Comments on: Where is the next NFC breakthrough? http://tomorrowstransactions.com/2009/09/where-is-the-next-nfc-breakthrough-2/ Thought leadership from Consult Hyperion Tue, 09 Sep 2014 00:19:19 +0000 hourly 1 http://wordpress.org/?v=4.0 By: Dave Birch http://tomorrowstransactions.com/2009/09/where-is-the-next-nfc-breakthrough-2/#comment-1055 Fri, 18 Sep 2009 14:56:40 +0000 http://ec2-54-201-142-57.us-west-2.compute.amazonaws.com/2009/09/where-is-the-next-nfc-breakthrough-2/#comment-1055 Quick responses:
1. I cannot see any possibility of issuers sharing interchange income except for co-brands, so TSM income will have to come from provisioning and management
2. I’m of the general opinion that some secure infrastructure will be need to make the most of stickers in the mass market but there will be entry plays that can have user-entered data.

]]> By: Manju Murthy http://tomorrowstransactions.com/2009/09/where-is-the-next-nfc-breakthrough-2/#comment-1054 Fri, 18 Sep 2009 04:53:30 +0000 http://ec2-54-201-142-57.us-west-2.compute.amazonaws.com/2009/09/where-is-the-next-nfc-breakthrough-2/#comment-1054 Dave,
Good post. Liked your analysis of NFC stickers helping bridge to the sunny world where banks and telcos play nice with each other.
In the context of stickers and kick-starting NFC deployment, do you see a role for user-entered credentials? For e.g., Consumer Ann get a sticker from FirstData or Blaze, and can enter the loyalty cards in their wallet without having a merchant (or a TSM as a proxy) provision them in? Alternatively, do you envision the only way credentials getting into NFC stickers/chips is thru’ secure provisioning?
Thanks,
Manju

]]> By: Brad Greene http://tomorrowstransactions.com/2009/09/where-is-the-next-nfc-breakthrough-2/#comment-1053 Thu, 17 Sep 2009 21:22:35 +0000 http://ec2-54-201-142-57.us-west-2.compute.amazonaws.com/2009/09/where-is-the-next-nfc-breakthrough-2/#comment-1053 Many good points in your article. What is the solution? Is there an appropriate business model that incents and rewards all parties in the ecosystem? Is the TSM the silver bullet here? If so, what is the revenue model? Will card issuers pay a TSM $5-10 per card account downloaded into the SIM card? If so, is that enough to cover the TSM’s cost and share a signficant portion with the mobile operator? Or will the TSM and/or mobile operator demand a share of the interchange? Interested in people’s thoughts.

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