Visa’s digital wallet plan – almost a winner

Visa’s plan to launch a digital wallet system in the U.S. and Canada this fall is a step forward in mobile payment and will help us a lot in our marketing of our secure mobile financial services platform. More on Visa plan here.

What I don’t understand is why the hurdles to get great customer adoption is still in the discussion.

  • Why “must” the secure element be a microSD card (this NFC solution) or the SIM-card (MNO initiated NFC solutions)? There is other non-dependant ways to do this.
  • Why can’t I use the mobile payment solution for all payment situations (I miss online, P2P and man-2-machine in this initiative)?
  • And adding an extra fee for using mobile instead of the very well working credit card will not gain the customer adoption..
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