The Periodic Table Of Payments Startups

120 payment listed by CB Insights. Click the table to see all.

Posted in Uncategorized | Leave a comment

European contactless adoption explodes – will lead mobile payment adoption

In this Finextra article Visa Europe reports that there are now 131 million Visa contactless cards that can be used at over 2.6 million terminals, and with over 1 billion tap-to-pay worth EUR 12.6 billion in the last 12 month. I believe Mastercard figures is as impressive (I’ve asked for it but not received yet).

UK leads the pack thanks to the success of paying for all transports in London using contactless payment cards, with more than 100 million contactless payments since launch.

As I commented before, this is very good news for mobile payment though contactless card payments will drive adoption for mobile payments using NFC. And rumors say that even Sweden will hop on the contactless card bandwagon “in mass” very soon (thanks ICA who’s takin’ the lead).

Mastercard has already mandated that all terminals must be ready for tap-and-pay by 2020 (incl the mandate that all new shipped from 2016 shall include NFC). Now Visa say the same stating that , by 2020 all Visa point-of-sale terminals in Europe will accept tap-and-pay payments.

The UK leads the way on adoption of Visa contactless cards, with 49.6 million cards that can be used at 410,000 terminals. France has 20.3 million cards and 405,000 terminals, Poland 14.5 million cards and 354,000 terminals, and Spain 11.5 million cards and 593,000 terminals.

Bildresultat för visa contactless payment

Posted in Mobile payment | Tagged , , , | Leave a comment

Apple Pay goes live in UK on July 14

Different sources, for example GSM Arena, say that Apple Pay UK premiere will be on July 14. At start payments up to £20 only will be accepted, support for larger amounts is said to come later.

It will be interesting to see which banks will be in from start..I believe all big one’s though it’s said that UK banks is “running over each other” to get Apple Pay.

My guess is that a few large retailers selling “everyday items” and some coffee chains will be in from start.

Posted in Mobile payment | Tagged , | Leave a comment

Consumer watch on mobile wallet – 2015 is the year it will happen

In a recent consumer watch report on mobile wallet by CMB in the US, the result is that mobile payment and wallet is here and 2015 is the “tipping point” for adoption and usage.


  • For those who used it security is still the main issue.
  • For those who haven’t used it main concerns are identity theft, fees and integrity.

Compelling for potential users are rewards and discounts features.

Click link below to see report.

Report_Consumer-Pulse_Mobile Wallet_June 2015

Posted in Uncategorized | Leave a comment

A complete guide to mobile wallets: Ten things you need to know

Here is a quick an overall guide to mobile wallets. Under major types of content I would like to add Loyalty cards and also gift- and punch cards.

Another important thing is development and operations like operate it as a service or diyo.

A complete guide to mobile wallets: Ten things you need to know.

Posted in Mobile payment | Leave a comment

Blog post on Apple Pay and why European launch is delayed

Attached post takes up one hinder why it’s not “as easy” to launch in Europe as in USA. It’s about the much lower interchange fee in Europe.

Read blog post here

I believe there is some more things that making it take time. Ok EU, but there is still country by country things to consider, like

  • domestic legislations
  • infrastructure like NFC enabled POS’s (differs a lot from country to country)
  • contactless cards in distribution (will also drive mobile payments)
  • issuer (banks) readiness and not to forget willingness (plastic cards works “perfect” in many countries)
  • iPhone market share (differs also a lot between countries)
  • local mobile payment schemes and successful alternatives like Swish in Sweden

Example, iPhone has a very high market share in the Nordic countries..but the in some countries the contactless cards are not in distribution and the POS’s are not enabled for NFC payments.

So, of course there are progressive banks that want to go with Apple Pay but they have to take the infrastructure into account and a small bank will not drive this.

So, I believe that after US and Canada (after this summer) Apple Pay will come Australia and then UK (could be that UK will be before Australia) and I don’t believe UK will happen this year. And Nordics will not happen before next summer..

Posted in Uncategorized | Leave a comment

Post explaining Samsung Pay

This post discuss if Samsung Pay and if it can be a real competitor to Apple Pay.

Read it here

I beleive the NFC part of Samsung Pay is ok. The MST part has to many downsides and will only work for a while and only in USA..but can be to mark a place and the first step of tech in the Samsung financial services roadmap.

Will Sony, LG and HTC jump on the bandwagon?

Posted in Mobile payment | Tagged , , , | Leave a comment