Contactless innovation at CHYP Towers

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Over at CHYP Towers in New York, my colleague Simon Laker has created a new personal payment mechanism: his do-it-yourelf contactless credit card. Here is his unexpurgated report from the USA today.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

No need for Oyster in London any more

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A big story to finish the week. You can now travel around London on the buses, tubes, trams and docklands light railway without having to queue for tickets or reload your Oyster. You can now use your contactless payment cards, stickers, wristbands and goodness knows what else instead.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

NFC isn’t a game in Japan. No, wait…

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I was in a meeting earlier in the week where someone said that even with ApplePay, the US is far behind Japan in mobile payments, so I thought I’d do a quick update on Japan which, as for the US, we label a “special case” in our analysis of the market: we can learn from it, but it doesn’t tell us anything about how other markets might develop. As it happens, the Japanese market has just taken an odd turn.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Apple speculation

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Even if Apple does put NFC in the iPhone 6, I do not see why they will use it to implement the existing industry model for contactless mobile payments.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Contactless control

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In the UK, contactless transactions are growing at around 20% per month, so clearly customers like it. But should some customers be allowed to turn it off if they don’t?

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

HCE BLE EMV is a new way to pay

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There has been a lot of discussion about using Host Card Emulation (HCE) to support EMV payments over Near-Field Communication (NFC) interfaces. But HCE can be used to support EMV payments over, essentially, any interface. As part of Consult Hyperion’s prototyping programme, we developed a working (ie, using EMV data) proof-of-concept demonstrator (running on Android and iPhone) for paying with HCE over Bluetooth Low Energy (BLE) and showed it at the UK Cards Association last week. The demonstrator is so cool it superconducts.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Crime and contactless

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Just because there isn’t any contactless crime does not mean that we should ignore the fears of consumers (or, for that matter, the police). Time for some mass market education on cuddle cards, as I now call them.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Contactless sentiment

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Social media sentiment provides a useful perspective on the evolution of contactless payments in the UK.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Japan and the US are special cases for mobile payments

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The US shouldn’t look at Japan as a model for mobile payments, and Europe shouldn’t look at the US.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Contactless innovation in wearables (nothing new!)

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I’m a big believer in wearables (not watches). But then I have been for a while.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.