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• Comment Link 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
  comments
  
  
  
  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
  in mobile phones.
  
  In shops, people will 'bump' their phones
  against tills to pay - or simply pay online via apps.
  
  
  Many tech experts also believe that the new systems will be MORE secure.
  
  
  Google chief economist Hal Varian said, 'Two-factor authentication (secret number + physical device) is better than one-factor
  authentication, and smart phones seem to have a
  natural role here.'
  
  Microsoft  engineer Christian Huitema says, 'We have
  already witnessed the transition from cash to debit/credit cards.
  The electronic wallet is not much more than a ‘virtual
  card,' in which near-field wireless communication replaces the reading
  of a magnetic stripe.'
  
  
  
  
  
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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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