Covershot: What is card-on-file EMV tokenization?

What is card-on-file EMV tokenization?

Card-on-file EMV tokenization enables merchants to store payment tokens in their databases rather than a customer’s actual card number, Rambus explains in this 14-page ebook.

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Covershot: The Mobile Payments Market in Japan

The mobile payments market in Japan

NFC mobile payments have been a reality in Japan since the launch in 2004 of FeliCa Networks, a joint venture between Sony and mobile network operator NTT Docomo — and long before the introduction of global standards for NFC technology or the rise of the smartphone. In this eight-page paper, Sony’s Masayuki Takezawa and Katsuyuki Teruyama explain the drivers behind Japan’s early adoption of NFC payments.

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Cover: "From MagicBand to Ocean Medallion: Using interactive devices to unlock next-generation guest experiences"

From MagicBand to Ocean Medallion: Using interactive devices to unlock next-generation guest experiences

The world’s largest leisure travel company is introducing a new cruise experience that makes use of the Ocean Medallion, a small, in-house designed device that supports both NFC and Bluetooth Low Energy and acts as a guest’s key to a wide range of personalized, next generation services on board the company’s cruise ships.

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Payments disrupted — How the tech giants are changing the future of payments in China

Payments disrupted — How the tech giants are changing the future of payments in China

The initial impact of digital finance and mobile payments in China is difficult to over-exaggerate, says Zennon Kapron, founder and director of Asian financial services and research firm Kapronasia. The launch of services such as Alipay and WeChat Pay brought with them a dramatic change in the way the average Chinese consumer spends — especially when one considers how cash-focused the country has been historically, he explains in this paper.

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10 years of M-Pesa — The expanding role of mobile money in emerging markets

10 years of M-Pesa — The expanding role of mobile money in emerging markets

In a market where it was previously unheard of for people to trust a mobile network operator with their money, Vodafone’s M-Pesa has carefully built confidence with consumers and grown over the last ten years into a financial service that is relied upon by millions of customers every day, mobile money pioneer Michael Joseph explains in this Q&A with What’s New in Payments editor Rian Boden.

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Mobile-only banks: A new frontier for mobile networks

Mobile-only banks: A new frontier for mobile networks

The mobile banking and payments market has grown exponentially in the past few years, says Orange’s Marc Rennard, and the opportunity “has not been ignored by the mobile operators, with many taking an active role since the beginning of the millennium, often targeting very specific use-cases as a means of carving a niche for themselves,” he explains.

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