Digital payments go mobile: A market assessment of the evolving mobile payments landscape

Gemalto digital paymentsThis 24-page white paper produced by Gemalto provides an overview of the mobile payments landscape and aims to help banks, retailers and other issuers choose the best possible approach to deploying a mobile payments service.

The paper begins by identifying the various stakeholders in the digital payment ecosystem and their motivations for engagement before outlining a number of digital payment business models and their value propositions. It then goes on to describe the diverse range of mobile payment technologies and security frameworks currently in use, as well as the key architectural elements of a mobile payment solution.

The paper also examines different credential management technologies, including tokenization, secure elements, trusted execution environments (TEE), host card emulation (HCE) and closed-loop cloud payment systems. It continues by evaluating the strengths and suitability of different mobile payment methods and concludes by looking in detail at the deployment options available to players in the industry, including banks, mobile network operators, mobile device makers, payment brands and retailers.

This paper has been produced and sponsored by Gemalto and has been approved by the NFC World+ editorial team.

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This 24-page document is available free of charge to NFC World+ Knowledge Centre members (PDF format, 1.2MB).

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This item is part of the Mobile Payments Knowledge Centre.