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  • Comment Link Pay69 Saturday, 18 January 2025 02:18 posted by Pay69

    Cash AND cards to go the way of the cheque? Tech experts
    say payments by mobile will 'eliminate' both by 2020


    Phone chips will become main method of payment

    Users will pay via NFC ('near field') chips where they 'bump' mobiles on tills to pay

    65% of 1200 experts agreed with statement

    Poll includes experts from Google, Microsoft and Harvard

    By ROB WAUGH

    Published: 12:05 GMT, 18 April 2012 | Updated: 12:05 GMT, 18 April 2012











    24

    View
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    Payments via mobile systems such as NFC (near field communications) chips will overtake both cash AND cards by
    2020, claims a new report

    The pennies in our pockets could soon be
    consigned to the history books - along with debit and credit cards.


    A poll of technology experts by America's Pew Internet Research centre found that most predicted that mobile-phone payments would have overtaken both cash AND cards by 2020.


    Of the 1200 experts polled, 65% thought that cash and cards would be nearly wiped out by 2020.


    The poll included Harvard experts as well as engineers from companies such as Google and Microsoft.



    The need for either cash or cards will be 'eliminated' by chips
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    In shops, people will 'bump' their phones
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    The poll, which included experts from Harvard and Google,
    expected that 'near field communication' systems - where users 'bump'
    phones against tills to transfer funds, as well as online payments from phones,
    would have overtaken cash and cards in eight years time.





    Based on a technology known as near-field communication (NFC),
    Google Wallet allows users to store payment information in the cloud and pay for
    goods at participating retailers by tapping their phone at the
    point of purchase



    'Overall, a majority supported the scenario that by 2020 most people will
    have embraced and fully adopted the use of smart-device swiping for purchases they make,
    nearly eliminating the need for cash or credit cards,' says Pew, a respected technology
    think tank.

    'These experts feel that the explosive growth in the use
    of smartphones and other mobile devices, makes these systems
    an obvious choice to replace established modes of payment in day-to-day commerce.'

    The research found that the change is already happening - particularly in America,
    where phones using Google Wallet (a mobile payment system) and NFC payment chips are
    more common.

    A March 2012 Federal Reserve report found that 21% of mobile phone
    owners had used mobile banking services in the past year and that another 11% of mobile owners plan to use such
    services in the next 12 months.

    The study also found that some 12% of mobile phone owners have
    made payments—such as paying bills online or transferring money directly to another
    person's account—via their phones.

    In the developing world, the figures are even higher - 20% of
    Kenya's GDP is sent via text message every year using the country's
    M-Pesa system.

    In late 2011, Google launched Google Wallet in partnership with Citibank
    and MasterCard.

    Based on a technology known as near-field communication (NFC), Google Wallet allows users to store
    payment information in the cloud and pay for goods at
    participating retailers by tapping their phone at the point of
    purchase.

    Many analysts predict that Apple will announce its own virtual wallet service in the near future.









    Google

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