ROME - In the span of four years in the U.S. credit card payment will stand as the vinyl is the music to say this is the CNN, in an investigation that begins with data from a U.S. firm, Aite Group. The year 2011 will be the year of the great development of NFC technology, says Aite Group, and woe to those who remain outside.
Why pay over the smartphone will have in the coming years an exponential growth: from $ 16 billion in 2010 to 46 this year will go up quickly to get to 214 in 2015. The data published by CNN unique to the United States, but Europe has launched some time in this new market in Italy between projects in the pipeline is that of the Italian Post Office, PosteTouch.
In France, whole cities are gearing up: with the smartphone you can buy tickets and passes, read the information signs that make use of new technologies. France is among the countries below, now well beyond the trial. Advanced projects are being implemented in Britain, Germany, Spain, Poland and Holland.
However, as at the time payments are disseminated via smartphones, remain very pioneering. With the iPhone and Blackberry sure you can pay a coffee at Starbucks, go shopping online where there are electronic stores equipped. But for the generalized payments there is currently no substitute for a credit card.
Well, a few years the role of credit cards will be fully borne by the smartphone, at least in the United States, provide analysts Aite Group, which provide an average annual growth of 68% as early as 2011, no matter whether the U.S. can appear at the time, as a country a bit 'late in the trial of NFC.
But within the next 12-18 months, according to the survey, there will be an increasing prevalence of smartphones that use the new technology and an equally rapid development of mobile banking: "In practice, no segment will be out of it," says Aite Group , because "companies do not realize that the market is now rapidly changing, will suffer a serious disadvantage in the coming years." "The year 2011 will be a very interesting year, very dynamic, it will be like when the pioneers went to the discovery of the Wild West, will redefine the whole landscape of digital payments, and this will lead to a repositioning of the various players," assures Michael Upton, senior vice president Mobile banking sector of the Bank of America.
Although the United States many people are finding a rapidly evolving, widespread adoption of NFC, Aite Group forecasts seem a bit 'too futuristic. "I think certainly the mobile wallet will take the place of plastic cards - CNN says Jane Cloninger, director of Edgar Dunn & Co, a consulting firm specializing in financial services and payments - but it will take time, because consumer habits do not change quickly.
" Let alone in Italy, the country boasts the largest use of cash in Europe, where a good percentage of consumers still shows a certain distrust of plastic cards. "Now we have plastic cards are well established, there have been around for more than 30 million - replica Pierfrancesco Gaggi, general secretary of the Consortium ATM Abi and responsible for international relations - and people are finally learning how to use them.
Payment by smartphone are definitely the future, although I do not think we'll get there within four or five years. But once that possibility will become real in Italy, I think that will be developed more easily than with credit cards, with shorter times: it is a more advanced tool, closer to the younger generations.
" The Italian Banking Association is currently in the preparatory stage, study and experimentation: "We are experimenting with a debit card contactless micro-payments, which one day could become a sim for your smartphone. - Explains Gaggi - The question mark that Italian banks arise, however, which is on track to launch and develop this project.
The household wiring, which would have the advantage of knowledge of customer profiles? That European start-ups (SEPA for the uniform payment systems, ed)? Or the international Visa and Mastercard. But even there, when there is such a wide spread of NFC. "That is why, concludes Gaggi," definitely the similarity between the credit cards and vinyl, referring to 2015, it seems really risky ...
" . 2015.
Why pay over the smartphone will have in the coming years an exponential growth: from $ 16 billion in 2010 to 46 this year will go up quickly to get to 214 in 2015. The data published by CNN unique to the United States, but Europe has launched some time in this new market in Italy between projects in the pipeline is that of the Italian Post Office, PosteTouch.
In France, whole cities are gearing up: with the smartphone you can buy tickets and passes, read the information signs that make use of new technologies. France is among the countries below, now well beyond the trial. Advanced projects are being implemented in Britain, Germany, Spain, Poland and Holland.
However, as at the time payments are disseminated via smartphones, remain very pioneering. With the iPhone and Blackberry sure you can pay a coffee at Starbucks, go shopping online where there are electronic stores equipped. But for the generalized payments there is currently no substitute for a credit card.
Well, a few years the role of credit cards will be fully borne by the smartphone, at least in the United States, provide analysts Aite Group, which provide an average annual growth of 68% as early as 2011, no matter whether the U.S. can appear at the time, as a country a bit 'late in the trial of NFC.
But within the next 12-18 months, according to the survey, there will be an increasing prevalence of smartphones that use the new technology and an equally rapid development of mobile banking: "In practice, no segment will be out of it," says Aite Group , because "companies do not realize that the market is now rapidly changing, will suffer a serious disadvantage in the coming years." "The year 2011 will be a very interesting year, very dynamic, it will be like when the pioneers went to the discovery of the Wild West, will redefine the whole landscape of digital payments, and this will lead to a repositioning of the various players," assures Michael Upton, senior vice president Mobile banking sector of the Bank of America.
Although the United States many people are finding a rapidly evolving, widespread adoption of NFC, Aite Group forecasts seem a bit 'too futuristic. "I think certainly the mobile wallet will take the place of plastic cards - CNN says Jane Cloninger, director of Edgar Dunn & Co, a consulting firm specializing in financial services and payments - but it will take time, because consumer habits do not change quickly.
" Let alone in Italy, the country boasts the largest use of cash in Europe, where a good percentage of consumers still shows a certain distrust of plastic cards. "Now we have plastic cards are well established, there have been around for more than 30 million - replica Pierfrancesco Gaggi, general secretary of the Consortium ATM Abi and responsible for international relations - and people are finally learning how to use them.
Payment by smartphone are definitely the future, although I do not think we'll get there within four or five years. But once that possibility will become real in Italy, I think that will be developed more easily than with credit cards, with shorter times: it is a more advanced tool, closer to the younger generations.
" The Italian Banking Association is currently in the preparatory stage, study and experimentation: "We are experimenting with a debit card contactless micro-payments, which one day could become a sim for your smartphone. - Explains Gaggi - The question mark that Italian banks arise, however, which is on track to launch and develop this project.
The household wiring, which would have the advantage of knowledge of customer profiles? That European start-ups (SEPA for the uniform payment systems, ed)? Or the international Visa and Mastercard. But even there, when there is such a wide spread of NFC. "That is why, concludes Gaggi," definitely the similarity between the credit cards and vinyl, referring to 2015, it seems really risky ...
" . 2015.
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