1727:
4802:
2143:. This system enables users to transfer money to other users and businesses in real-time directly from their bank accounts. Users download UPI supporting app from app stores on their Android or iOS device, link and verify their mobile number with the bank account by sending one outgoing SMS to app provider, create a virtual payment address (VPA) which auto generates a QR code and then set a banking PIN by generating OTP for secure transactions. VPA and QR codes are to ensure easy to use & privacy which can help in
317:
2147:(P2P) transactions without giving any user details. Fund transfer can then be initiated to other users or businesses. Settlement of funds happen in real-time, i.e. money is debited from payer's bank account and credited in recipient's bank account in real-time. UPI service works 24x7, including weekends and holidays. This is slowly becoming a very popular service in India and is processing monthly payments worth approximately $ 10 billion as in October 2018.
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1760:(NFC) is used mostly in paying for purchases made in physical stores or transportation services. A consumer using a special mobile phone equipped with a smartcard waves their phone near a reader module. Most transactions do not require authentication, but some require authentication using PIN, before transaction is completed. The payment could be deducted from a pre-paid account or charged to a mobile or bank account directly.
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1178:
1360:/operator is the central node of the model, manages the transactions and distributes the property rights. In collaborative model, the financial intermediaries and telephonic operators collaborate in the managing tasks and share cooperatively the proprietary rights. In ISP model, a third party of confidence operates as an independent and “neutral” intermediary between financial agents and operators.
37:
2155:
mobile application. The Blik code is used only to connect the parties to the transaction. It is an identifier that associates the user and a specific bank at a given moment. For two minutes, it points to a specific mobile application to which - through a string of numbers - a request to accept a transaction in a specific store or
2113:, issued by several Swedish banks, is used to verify the payment. Users with a simple phone or without the app can still receive money if the phone number is registered in the internet bank. Like many other mobile payment system, its main obstacle is getting people to register and download the app, but it has managed to reach a
2154:
mobile payment system was established in
February 2015 by the Polish Payment Standard (PSP) company. To pay with Blik, you need a smartphone, a personal account and a mobile application of one of the banks that cooperate with it. The principle of operation is to generate a 6-digit code in the bank's
2124:
also enables mobile bank transfers, but is used mainly for business-to-consumer transactions that occur solely online. If an e-tailer integrates with
Trustly, its customers can pay directly from their bank account. Unlike Swish, users don't need to register a Trustly account or download software to
1971:
transport network, after a 4 months testing from
November 2006 with Bouygues Telecom and 43 persons and finally with 8,000 users from July 2018, the contactless mobile payment and direct validation on the turnstile readers with a smartphone was adopted on 25 September 2019 in collaboration with the
1763:
Mobile payment method via NFC faces significant challenges for wide and fast adoption, due to lack of supporting infrastructure, complex ecosystem of stakeholders, and standards. Some phone manufacturers and banks, however, are enthusiastic. Ericsson and
Aconite are examples of businesses that make
2055:
In the T-Cash model, the mobile phone and the phone carrier is the front-end interface to the consumers. The consumer can purchase goods, transfer money to a peer, cash out, and cash in. A 'mini wallet' account can be opened as simply as entering *700# on the mobile phone, presumably by depositing
1651:
are initiated by the enterprise to establish a transaction specific context. Reply messages are linked to the proper session and authenticated either synchronously through a very short expiry period (every reply is assumed to be to the last message sent) or by tracking session according to varying
2029:
approach to in-store mobile payment. The cloud based approach places the mobile payment provider in the middle of the transaction, which involves two separate steps. First, a cloud-linked payment method is selected and payment is authorized via NFC or an alternative method. During this step, the
1997:
is a square two-dimensional bar code. QR codes have been in use since 1994. Originally used to track products in warehouses, QR codes were designed to replace the older one-dimensional bar codes. The older bar codes just represent numbers, which can be looked up in a database and translated into
1615:
Even as the volume of
Premium SMS transactions have flattened, many cloud-based payment systems continue to use SMS for presentment, authorization, and authentication, while the payment itself is processed through existing payment networks such as credit and debit card networks. These solutions
1704:
More recently, direct operator billing is being deployed in an in-app environment, where mobile application developers are taking advantage of the one-click payment option that direct operator billing provides for monetising mobile applications. This is a logical alternative to credit card and
1962:
Player One (with the same mobile phone operators than in Caen and
Strasbourg), as well as the validation aboard with them of the transport titles and the loading of these titles onto the smartphone, in addition to the season tickets contactless card. This service was as well experimented then
1712:
partnered to expand the direct operator billing market, making it possible for mobile operators to include
Western Union mobile money transfers as part of their mobile financial service offerings. Given the international reach of both companies, the partnership is meant to accelerate the
1908:(for the first time, thanks to "Fly Tag", the system allowed to receive as well audiovisual informations, like bus timetables or cinema trailers from the concerned services). From 19 November 2007 to 2009, this experimentation was extended in Caen to more services and three additional
2038:
The audio channel of the mobile phone is another wireless interface that is used to make payments. Several companies have created technology to use the acoustic features of cell phones to support mobile payments and other applications that are not chip-based. The technologies like
2030:
payment provider automatically covers the cost of the purchase with issuer linked funds. Second, in a separate transaction, the payment provider charges the purchaser's selected, cloud-linked account in a card-not-present environment to recoup its losses on the first transaction.
2104:
payments between private people, but is also used by churches, street vendors, and small businesses. A person's account is tied to his or her phone number and the connection between the phone number and the actual bank account number is registered in the internet bank. The
2012:
Mobile self-checkout allows for one to scan a QR code or barcode of a product inside a brick-and-mortar establishment in order to purchase the product on the spot. This theoretically eliminates or reduces the incidence of long checkout lines, even at self-checkout kiosks.
1273:
on a mobile device to pay for a wide range of services and digital or hard goods. Although the concept of using non-coin-based currency systems has a long history, it is only in the 21st century that the technology to support such systems has become widely available.
1542:
In addition, if the payment vendor can automatically and securely identify customers then card details can be recalled for future purchases turning credit card payments into simple single click-to-buy giving higher conversion rates for additional purchases.
1623:
Point-of-sales mobile payment solutions have not relied on SMS-based authentication as a payment mechanism, but remote payments such as bill payments, seat upgrades on flights, and membership or subscription renewals are commonplace.
2056:
money at a participating local merchant and the mobile phone number. Presumably, other transactions are similarly accomplished by entering special codes and the phone number of the other party on the consumer's mobile phone.
2692:
1538:
payment flow allowing a consumer to enter their card details to make purchases. This process is familiar but any entry of details on a mobile phone is known to reduce the success rate (conversion) of payments.
1620:, such solutions employ a higher-level security strategies known as 'tokenization' and 'target removal' whereby payment occurs without transmitting any sensitive account details, username, password, or PIN.
1546:
However, there are concerns regarding information and payment privacy when cards are used during online transactions. If a website is not secure, for example, then personal credit card info can leak online.
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1304:", which is estimated to be as much as 50 percent of the world's adult population, according to the Financial Access 2009 Report "Half the World is Unbanked". Such payment networks are often used for
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1331:(EPC). The EPC states that "new technology solutions provide a direct improvement to the operations efficiency, ultimately resulting in cost savings and in an increase in business volume".
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In Europe, the first experimentations of mobile payment took place in
Germany during 6 months, from May 2005, with a deferred payment at the end of each month on the tramways and bus of
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3191:
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4774:
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1567:), the consumer's mobile account is charged for the purchase. It is a true alternative payment method that does not require the use of credit/debit cards or pre-registration at an
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3603:
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2100:. It was established through a collaboration from major banks in 2012 and has been very successful, with 66 percent of the population as users in 2017. It is mainly used for
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that contains the user's debit and credit card information, letting the user pay for goods and services digitally with a mobile device. Notable mobile wallets include:
1850:
over mobile phones to pay for on- and off-street parking in specially demarcated areas. Parking wardens may enforce the parking by license plate, transponder tags, or
1975:
Other vendors use a combination of both NFC and a barcode on the mobile device for mobile payment, because many mobile devices in the market do not yet support NFC.
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are also popular in their countries. They use direct and instant bank transfers, but also for users not connected to a participating bank, credit card billing.
2781:
1575:, thus bypassing banks and credit card companies altogether. This type of mobile payment method, which is prevalent in Asia, provides the following benefits:
2628:
1947:
was the first public transport provider in Europe to add definitely to its own offer a contactless payment on its tramways and bus network either with a
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1313:
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is sent. Blik allows you to pay in online and stationary stores. By the Blik, we can also make transfers to the phone or withdraw money from ATMs.
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One of the drawbacks is that the payout rate will often be much lower than with other mobile payments options. Examples from a popular provider:
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The consumer uses the mobile billing option during checkout at an e-commerce site—such as an online gaming site—to make a payment. After
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1998:
something meaningful. QR, or "quick response", bar codes were designed to contain the meaningful information directly in the bar code.
1647:. Many of the problems inherent with premium SMS have been addressed by solution providers. Remembering keywords is not required since
3656:
3433:
2008:
The QR code is presented by the payee, in a static or one time generated fashion and it is scanned by the person executing the payment
4850:
4445:
3299:
3083:
3244:
3161:
2605:
2573:
2081:(MST), a smartphone emits a magnetic signal that resembles the one created by swiping a magnetic credit card through a traditional
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combine the ubiquity of the SMS channel, with the security and reliability of existing payment infrastructure. Since SMS lacks
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2005:
The QR code is presented on the mobile device of the person paying and scanned by a POS or another mobile device of the payee
808:
674:
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1308:. The use of mobile payments in developing countries has attracted public and private funding by organizations such as the
284:
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In France the immediate contactless payment was experimented during 6 months, from
October 2005, in some Cofinoga shops (
3897:
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2384:
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1309:
1940:. After a test conducted from October 2005 to November 2006 with 27 users, on 21 May 2010, the transport authority of
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Mobile network operators already have a billing relationship with consumers, the payment will be added to their bill.
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45 to 91.7 percent with operator billing in the US, UK and some smaller
European countries, but usually around 60%
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produce audio signatures that the microphone of the cell phone can pick up to enable electronic transactions.
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2415:
2114:
1664:, and carrier billing, requires integration with the mobile network operator. It provides certain benefits:
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it possible for banks to create consumer mobile payment applications that take advantage of NFC technology.
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17:
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1606:– 70% of all digital content purchased online in some parts of Asia uses the direct mobile billing method
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associated themselves for a 2 months experimentation on smartphones in the metro, bus and TER trains in
5096:
4716:
4592:
4366:
2218:
2140:
1772:
1399:
870:
798:
630:
356:
3811:
3430:"Ça y est, certains smartphones Samsung peuvent servir de titres de transport en Île-de-France !"
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1403:
1328:
1327:(PSPs) and other market participants, in order to achieve new growth opportunities, according to the
773:
608:
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in 2007, the NFC standard was implemented for the first time in a metro network, by China Unicom in
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2509:"Stamatis Karnouskos, IEEE Communications Surveys & Tutorials, Vol. 6, No. 4, pp. 44–66, 2004"
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respectively implemented for NFC smartphones on 18 and 25 June 2013 in the tramways and bus of
1905:
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843:
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3727:
3032:"KDDI, Softbank Mobile and SK Telecom to introduce NFC standard services in Japan and Korea"
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3983:
3842:"The Swedes and the Internet 2017 summary (See the Swedish version for correct statistics)"
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128:
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8:
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3058:"SK Telecom and Hana launch SIM-based mobile contactless payments and promotions service"
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Please help update this article to reflect recent events or newly available information.
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2751:"CURE Insurance COO Eric Poe Dishes on Text-to-Pay | Insurance & Technology"
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in March 2010 and it was tested then adopted or added to the existing systems in
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interconnection between the m-commerce market and the existing financial world.
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2685:"Gartner: Over $ 172B In Mobile Payments In 2012; SMS, Web Most Popular Routes"
2183:
2151:
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1507:
1292:, mobile payment solutions can be deployed as a means of extending services of
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in the country. NFC was used in transports for the first time in the world by
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In comparison to premium short code programs which often exist in isolation,
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341:
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3703:
3487:"Et si vous achetiez vos titres de transport depuis votre appli RATP ?"
1767:
NFC vendors in Japan are closely related to mass-transit networks, like the
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Alternative monetization option in countries where credit card usage is low
1447:
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935:
738:
603:
542:
499:
461:
446:
366:
346:
28:
4828:
3596:"Google Wallet moves to the cloud, opens up to all credit and debit cards"
3378:"A Strasbourg, on voyage en bus et en tram grâce à un mobile sans contact"
5222:
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2213:
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985:
955:
566:
451:
386:
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237:
227:
118:
3653:"GoPago's line-skipping mobile payment system launches in San Francisco"
1582:– two-factor authentication and a risk management engine prevents fraud.
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4939:
4894:
4889:
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4535:
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4239:
3565:"QR Code Mobile Payment System |Qrys | QR Code Payment – InfrasoftTech"
1955:
1925:
1921:
1897:
1835:
from May 2010 to end of 2012. After an experimentation in the metro of
1800:
1522:
1472:
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1429:
1281:
in the 2000s and later all over the world in different ways. The first
571:
54:
5006:
3326:"A Caen, avec un mobile sans contact, on valide dans les bus et trams"
2977:"Mobile and transit operators launch NFC payments system in Chongqing"
5110:
5066:
4949:
4899:
4280:
4042:
3219:"Les transports en commun niçois se mettent au paiement sans contact"
3110:"NTT Docomo partners with Korea's KT to switch to NFC at end of 2012"
2129:
1972:
societies Orange, Samsung, Wizway Solutions, Worldline and Conduent.
1951:
1816:
1610:
1361:
684:
506:
260:
232:
62:
40:
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4934:
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4423:
4030:
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4015:
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3599:
3006:"NFC city pilot to go live in Nice on 21 May under 'Cityzi' banner"
2865:"Ericsson, Western Union partner to push mobile financial services"
1885:
1881:
1828:
1779:
system, used since 2004 for Mobile Suica and many others including
1482:
1407:
1297:
728:
561:
82:
3898:"Why BLIK is so popular and how we deployed it in mobile banking?"
3188:"Caen, la ville oĂą l'on paye et s'informe en sortant son portable"
5315:
5305:
5217:
5202:
5165:
5140:
5051:
4550:
4328:
4005:
2947:"Ericsson and Aconite collaborate on mobile contactless payments"
2570:"Ericsson Money Services brings connected mobile money to Europe"
2139:
In India a new direct bank transfer system has emerged called as
2121:
1994:
1959:
1893:
1866:
1851:
1840:
1502:
1492:
1246:
1047:
818:
421:
3922:
3352:"NFC transit ticketing service goes live in French city of Caen"
1368:
are the providers the most frequently associated to this model.
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1937:
1933:
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1804:
1795:. Its core technology, Mobile FeliCa IC, is partially owned by
1784:
1660:
Direct operator billing, also known as mobile content billing,
1572:
1487:
1477:
1437:
1387:
1365:
1285:
exclusively defined "Mobile Payment System" was filed in 2000.
1282:
1262:
598:
2839:"Payout rates from one of the major billing aggregator, Bango"
2526:"Mobile payment apps – a fresh perspective on online finances"
2371:
Micro-payment systems and their application to mobile networks
36:
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5061:
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3274:"Télécoms - La révolution mobile sans contact arrive en 2008"
3084:"Gemalto provides KDDI with end-to-end NFC security solution"
2133:
2085:. No changes to the terminal or a new terminal are required.
2060:
1968:
1862:
1858:
1832:
1824:
1792:
1768:
1588:– no pre-registration and no new mobile software is required.
1517:
1497:
1462:
1278:
706:
657:
77:
27:"Mobile money" redirects here. For the payment platform, see
1738:. The reason given is: missing contemporary adoption status.
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4025:
3819:
1964:
1941:
1929:
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and on 5 November 2007, Orange and the transport societies
1889:
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1815:
and Yucheng Transportation Card in the tramways and bus of
1796:
1452:
1357:
1258:
915:
753:
679:
308:
1600:– most transactions are completed in less than 10 seconds.
4736:
4161:
3750:"Commercial Launch Of Haiti's First Mobile Money Service"
3136:"China Unicom launches commercial NFC service in Beijing"
2117:
and it has become part of everyday life for many Swedes.
1917:
1827:
after its introduction in Korea by the discount retailer
1780:
3300:"Nice, première ville à passer au paiement sans contact"
3276:(in French). banquedesterritoires.fr. 21 December 2007.
3245:"Les transports rennais payés par mobile 'sans contact'"
1594:– It is just another option during the checkout process.
4134:
4129:
4119:
4102:
4097:
4086:
3162:"A Hanau, le portable-ticket de bus joue au juste prix"
2050:
1716:
2782:"High Technology Finland | Innovation in Finland"
1807:
technology, which itself is the de facto standard for
1534:
A simple mobile web payment system can also include a
3515:. Nearfieldcommunicationsworld.com. 15 October 2010.
3404:"Strasbourg NFC ticketing moves to commercial launch"
2352:. Financial Access Organization. 2009. Archived from
3593:
2243:"Pre-1900 Utopian Visions of the 'Cashless Society'"
1559:
involving the consumer's mobile number and a PIN or
1339:There are four primary models for mobile payments:
1611:Remote payment by SMS and credit card tokenization
1323:Mobile payments are becoming a key instrument for
1314:United States Agency for International Development
3681:. nilsonreport.com. December 2011. Archived from
2655:"FRB: Current Use of Mobile Banking and Payments"
2544:"Ericsson launches mobile phone banking services"
5416:
3465:"Le dernier (ticket de) métro, at 2:10 and 2:38"
2921:"VDC: NFC Adoption Will Be Slower Than Expected"
1386:companies as well as Internet companies such as
2066:
1978:
3726:. MercyCorps. 30 November 2010. Archived from
2033:
2016:
1674:Protects payment details and consumer identity
1631:and payment systems are often integrated with
1375:Operator/bank co-operation, emerging in Haiti.
1371:There can also be combinations of two models.
4844:
3938:
1356:In models connected to a bank or operator, a
1211:
278:
2923:. RFID Journal. 3 March 2008. Archived from
2715:"Tokenisation : What's next after PCI?"
2297:. Ericsson. 12 November 2010. Archived from
4858:
3000:
2998:
1414:have implemented mobile payment solutions.
43:is an example of mobile payment which uses
4851:
4837:
3945:
3931:
3834:
3679:"Audio Signal Mobile Payments and Loyalty"
1803:and JR East. Mobile FeliCa utilize Sony's
1655:
1218:
1204:
285:
271:
3247:(in French). 01net.com. 7 November 2007.
3190:(in French). 01net.com. 20 October 2005.
2779:
2423:
548:Transaction (checking / current)
3513:"Digimo Group NFC Dual two phase commit"
3268:
3266:
2995:
2088:
2001:QR codes can be of two main categories:
1402:such as w-HA from Orange and smartphone
1352:Independent service provider (ISP) model
35:
3467:(in French). YouTube. 24 September 2018
3213:
3211:
3209:
2271:. Wireless Intelligence. Archived from
2096:is the name of a system established in
1846:Other NFC vendors mostly in Europe use
1791:standard method for mobile payments in
14:
5417:
3380:(in French). 01net.com. 27 June 2013.
3328:(in French). 01net.com. 18 June 2013.
2409:
2295:"Japanese Drive Mobile Payment Market"
2269:"GSMA Mobile Money Deployment Tracker"
1652:reply addresses and/or reply options.
4832:
3926:
3878:from the original on 16 November 2018
3489:(in French). RATP. 12 November 2019.
3436:from the original on 6 September 2020
3410:from the original on 24 February 2021
3302:(in French). 01net.com. 21 May 2010.
3263:
3221:(in French). 01net.com. 24 May 2009.
2819:from the original on 11 November 2017
2813:"Method and system for managing spam"
3766:from the original on 18 January 2017
3545:from the original on 15 October 2015
3432:(in French). Twitter. 8 April 2019.
3206:
3180:
3164:(in French). 01net.com. 2 May 2005.
3090:from the original on 23 January 2021
3038:from the original on 25 October 2020
2731:from the original on 18 January 2017
2626:
2051:Direct carrier and bank co-operation
1720:
1717:Contactless near-field communication
1177:
33:Payment services via a mobile device
3908:from the original on 9 January 2021
3724:"Testing out mobile money in Haiti"
3358:from the original on 14 August 2020
3064:from the original on 1 October 2020
2895:"Ericsson Teams with Western Union"
2810:
2410:Chaix, Laetitia; Torre, Dominique.
2387:. European Payments Council. 2016.
1983:
1310:Bill & Melinda Gates Foundation
1249:processing services operated under
24:
4775:USA use restrictions while driving
4750:Legality of recording by civilians
3792:from the original on 17 April 2023
3606:from the original on 15 March 2017
3594:Terrence O'Brien (1 August 2012).
3519:from the original on 9 August 2011
3142:from the original on 9 August 2020
3116:from the original on 5 August 2020
2871:. 28 February 2012. Archived from
2761:from the original on 17 March 2014
2665:from the original on 17 March 2014
2576:from the original on 15 March 2017
2391:from the original on 5 August 2019
2327:from the original on 23 March 2019
1771:used since 28 January 2006 on the
1550:
1277:Mobile payments began adoption in
25:
5441:
3952:
3848:from the original on 28 June 2018
3628:. 5 November 2012. Archived from
3626:"Google has a Card up its Sleeve"
3493:from the original on 28 June 2020
3384:from the original on 26 June 2020
3332:from the original on 29 June 2020
3306:from the original on 28 July 2020
3280:from the original on 30 June 2020
3251:from the original on 29 June 2020
3225:from the original on 29 June 2020
3194:from the original on 27 June 2020
3168:from the original on 29 June 2020
3012:from the original on 19 July 2020
2983:from the original on 3 March 2021
2608:from the original on 6 March 2019
2550:from the original on 18 June 2022
2489:from the original on 2 March 2023
2412:"Four models for mobile payments"
1697:85 to 86 percent with credit card
1417:
1400:telecommunications infrastructure
5399:
5398:
4812:
4811:
4800:
4788:
2695:from the original on 5 July 2017
2629:"Mobile Payments: Look to Korea"
2385:"White Paper on Mobile Payments"
2249:from the original on 8 June 2019
1819:on 19 January 2009, in those of
1775:rail network. The mobile wallet
1725:
1186:
1176:
1167:
1166:
315:
61:
3890:
3860:
3804:
3778:
3742:
3716:
3697:
3671:
3650:
3644:
3618:
3587:
3557:
3531:
3505:
3479:
3448:
3422:
3396:
3370:
3344:
3318:
3292:
3237:
3154:
3128:
3102:
3076:
3050:
3024:
2969:
2939:
2913:
2887:
2857:
2831:
2804:
2773:
2743:
2707:
2677:
2647:
2620:
2588:
2562:
2536:
2528:. February 2014. Archived from
2518:
2501:
1865:3220 using the NFC standard of
1296:to the community known as the "
2631:. Banktech.com. Archived from
2465:
2403:
2377:
2363:
2339:
2313:
2287:
2261:
2235:
2021:Google, PayPal, GlobalPay and
1680:Reduced customer support costs
1671:Provides instantaneous payment
1641:marketing-automation platforms
1529:
966:Strategic financial management
13:
1:
3112:. nfcw.com. 9 February 2011.
2979:. nfcw.com. 19 January 2019.
2416:Pennsylvania State University
2229:
1120:Sustainable development goals
4795:Telecommunication portal
3138:. nfcw.com. 5 January 2011.
2627:Feig, Nancy (25 June 2007).
2347:"Half the World is Unbanked"
2079:magnetic secure transmission
2073:Magnetic secure transmission
2067:Magnetic secure transmission
2043:(NSDT), data over voice and
1979:Other mobile payment methods
1253:and performed from or via a
7:
3060:. nfcw.com. 25 March 2010.
2841:. Bango.com. Archived from
2162:
2034:Audio signal-based payments
2017:Cloud-based mobile payments
10:
5446:
4717:Phantom vibration syndrome
4712:Mental health from overuse
3710:February 26, 2011, at the
3354:. nfcw.com. 18 June 2013.
3086:. nfcw.com. 14 June 2010.
3034:. nfcw.com. 15 July 2010.
2219:Unified Payments Interface
2141:Unified Payments Interface
2070:
2063:offers the same function.
1987:
1421:
871:Fractional-reserve banking
799:Enterprise risk management
26:
5394:
5321:Google Wallet (2011-2018)
5293:
4867:
4783:
4735:
4682:
4612:
4521:
4464:
4431:
4418:
4396:Open-source mobile phones
4357:
4309:
4259:
4248:
4147:
4066:
3974:
3960:
3706:from VoilĂ Foundation.com
3406:. nfcw.com. 5 July 2013.
3008:. nfcw.com. 14 May 2010.
2120:Swedish payments company
2107:electronic identification
1734:This section needs to be
1557:two-factor authentication
1334:
1329:European Payments Council
1325:payment service providers
1257:. Instead of paying with
774:Diversification (finance)
96:Retail goods and services
3868:"UPI Product Statistics"
3655:. Gigaom. Archived from
2245:. MPRA. 20 August 2012.
2041:near sound data transfer
1823:on 21 May 2010, then in
1758:Near-field communication
1396:mobile network operators
724:Automated teller machine
4760:Photography and the law
4755:Mobile phones in prison
2321:"Mobile payment system"
2179:Diem (digital currency)
1958:application notably on
1809:contactless smart cards
1677:Better conversion rates
1656:Direct operator billing
1269:, a consumer can use a
971:Stress test (financial)
2453:Cite journal requires
2194:Financial cryptography
1910:mobile phone operators
1906:Philips Semiconductors
1904:in collaboration with
1694:92 percent with PayPal
1629:relationship marketing
1563:(often abbreviated as
1428:A mobile wallet is an
1380:Financial institutions
1346:Operator-centric model
1294:financial institutions
1233:, also referred to as
48:
4807:Telephones portal
4770:Texting while driving
4707:External power supply
4406:Windows Phone devices
3757:indiamicrofinance.com
3569:www.infrasofttech.com
2951:Mobile Payments Today
2869:Mobile Payments Today
2722:indiamicrofinance.com
2224:Universal credit card
2209:Point-of-sale malware
2174:Cryptocurrency wallet
2089:Bank transfer systems
1843:on 31 December 2010.
1708:In 2012 Ericsson and
1705:Premium SMS billing.
1618:end-to-end encryption
1251:financial regulations
1239:mobile money transfer
1145:Too connected to fail
906:Investment management
804:Environmental finance
663:Correspondent account
357:Community development
238:Live support software
39:
5430:Financial technology
4722:Radiation and health
4038:Standards comparison
3539:"History of QR Code"
2845:on 17 September 2010
2532:on 28 February 2014.
2473:"HAITI MOBILE MONEY"
2359:on 22 December 2014.
2323:. 11 December 2000.
2083:credit card terminal
1392:mobile communication
1245:, is any of various
1043:Exchange traded fund
921:Mathematical finance
881:Fundamental analysis
876:Full-reserve banking
482:Bank holding company
392:Export credit agency
300:Part of a series on
5245:Touch 'n Go eWallet
3904:. 31 January 2020.
3632:on 15 November 2012
2957:on 16 February 2013
2875:on 16 February 2013
2786:Hightechfinland.com
2635:on 17 November 2017
2275:on 23 November 2011
2169:Contactless payment
1967:and Strasbourg. In
1945:RĂ©gie Lignes d'Azur
1848:contactless payment
1645:reservation systems
1513:Touch 'n Go eWallet
1394:companies, such as
1349:Collaborative model
1135:Time value of money
961:Statistical finance
951:Sustainable finance
901:Investment advisory
543:Time deposit (Bond)
182:Trading communities
172:Comparison shopping
5017:Interac e-Transfer
3786:"Website of Twint"
3730:on 8 December 2010
2927:on 15 October 2012
2901:. 27 February 2012
2659:Federalreserve.gov
1878:Galeries Lafayette
1343:Bank-centric model
1290:developing country
1110:Security (finance)
1085:History of banking
981:Structured product
976:Structured finance
789:Economic expansion
302:financial services
49:
5412:
5411:
4905:Atom Technologies
4826:
4825:
4765:Telephone tapping
4608:
4607:
4556:Instant messaging
4414:
4413:
4143:
4142:
3874:. 31 March 2017.
3822:on 28 August 2019
2755:Insurancetech.com
2661:. 2 August 2013.
1787:, has become the
1755:
1754:
1571:solution such as
1561:one-time password
1228:
1227:
1023:Corporate finance
1018:Capital structure
993:
992:
764:Corporate finance
584:
583:
295:
294:
16:(Redirected from
5437:
5402:
5401:
4853:
4846:
4839:
4830:
4829:
4815:
4814:
4805:
4804:
4803:
4793:
4792:
4791:
4702:Electronic waste
4692:BlackBerry thumb
4642:Japanese culture
4429:
4428:
4389:iOS jailbreaking
4257:
4256:
4179:Operating system
3994:Network operator
3979:Channel capacity
3972:
3971:
3947:
3940:
3933:
3924:
3923:
3918:
3917:
3915:
3913:
3894:
3888:
3887:
3885:
3883:
3864:
3858:
3857:
3855:
3853:
3838:
3832:
3831:
3829:
3827:
3818:. Archived from
3808:
3802:
3801:
3799:
3797:
3782:
3776:
3775:
3773:
3771:
3765:
3754:
3746:
3740:
3739:
3737:
3735:
3720:
3714:
3701:
3695:
3694:
3692:
3690:
3685:on 25 March 2012
3675:
3669:
3668:
3666:
3664:
3659:on 23 April 2021
3648:
3642:
3641:
3639:
3637:
3622:
3616:
3615:
3613:
3611:
3591:
3585:
3584:
3582:
3580:
3575:on 9 August 2018
3571:. Archived from
3561:
3555:
3554:
3552:
3550:
3535:
3529:
3528:
3526:
3524:
3509:
3503:
3502:
3500:
3498:
3483:
3477:
3476:
3474:
3472:
3452:
3446:
3445:
3443:
3441:
3426:
3420:
3419:
3417:
3415:
3400:
3394:
3393:
3391:
3389:
3374:
3368:
3367:
3365:
3363:
3348:
3342:
3341:
3339:
3337:
3322:
3316:
3315:
3313:
3311:
3296:
3290:
3289:
3287:
3285:
3270:
3261:
3260:
3258:
3256:
3241:
3235:
3234:
3232:
3230:
3215:
3204:
3203:
3201:
3199:
3184:
3178:
3177:
3175:
3173:
3158:
3152:
3151:
3149:
3147:
3132:
3126:
3125:
3123:
3121:
3106:
3100:
3099:
3097:
3095:
3080:
3074:
3073:
3071:
3069:
3054:
3048:
3047:
3045:
3043:
3028:
3022:
3021:
3019:
3017:
3002:
2993:
2992:
2990:
2988:
2973:
2967:
2966:
2964:
2962:
2953:. Archived from
2943:
2937:
2936:
2934:
2932:
2917:
2911:
2910:
2908:
2906:
2891:
2885:
2884:
2882:
2880:
2861:
2855:
2854:
2852:
2850:
2835:
2829:
2828:
2826:
2824:
2808:
2802:
2801:
2799:
2797:
2792:on 17 March 2014
2788:. Archived from
2777:
2771:
2770:
2768:
2766:
2747:
2741:
2740:
2738:
2736:
2730:
2719:
2711:
2705:
2704:
2702:
2700:
2681:
2675:
2674:
2672:
2670:
2651:
2645:
2644:
2642:
2640:
2624:
2618:
2617:
2615:
2613:
2592:
2586:
2585:
2583:
2581:
2572:. Ericsson.com.
2566:
2560:
2559:
2557:
2555:
2540:
2534:
2533:
2522:
2516:
2515:
2513:
2505:
2499:
2498:
2496:
2494:
2488:
2477:
2469:
2463:
2462:
2456:
2451:
2449:
2441:
2439:
2437:
2432:on 19 March 2022
2428:. Archived from
2427:
2407:
2401:
2400:
2398:
2396:
2381:
2375:
2373:, InfoDev report
2367:
2361:
2360:
2358:
2351:
2343:
2337:
2336:
2334:
2332:
2317:
2311:
2310:
2308:
2306:
2301:on 15 March 2006
2291:
2285:
2284:
2282:
2280:
2265:
2259:
2258:
2256:
2254:
2239:
2199:Mobile ticketing
2189:Digital currency
2059:In Switzerland,
1984:QR code payments
1914:Bouygues Telecom
1750:
1747:
1741:
1729:
1728:
1721:
1390:and a number of
1220:
1213:
1206:
1190:
1180:
1179:
1170:
1169:
1100:Personal finance
1033:Equity (finance)
896:Impact investing
886:Growth investing
794:Enterprise value
701:
700:
512:
511:
467:Savings and loan
319:
297:
296:
287:
280:
273:
219:Customer service
65:
51:
50:
21:
5445:
5444:
5440:
5439:
5438:
5436:
5435:
5434:
5425:Mobile payments
5415:
5414:
5413:
5408:
5390:
5289:
5131:Oxigen Services
4930:Carta Worldwide
4863:
4857:
4827:
4822:
4801:
4799:
4789:
4787:
4779:
4731:
4684:
4678:
4604:
4517:
4460:
4456:Cloud computing
4422:
4420:
4410:
4401:Symbian devices
4367:Android devices
4353:
4305:
4296:Satellite phone
4291:Projector phone
4251:
4244:
4149:
4139:
4062:
3967:
3963:
3956:
3951:
3921:
3911:
3909:
3896:
3895:
3891:
3881:
3879:
3866:
3865:
3861:
3851:
3849:
3840:
3839:
3835:
3825:
3823:
3810:
3809:
3805:
3795:
3793:
3784:
3783:
3779:
3769:
3767:
3763:
3752:
3748:
3747:
3743:
3733:
3731:
3722:
3721:
3717:
3712:Wayback Machine
3702:
3698:
3688:
3686:
3677:
3676:
3672:
3662:
3660:
3649:
3645:
3635:
3633:
3624:
3623:
3619:
3609:
3607:
3592:
3588:
3578:
3576:
3563:
3562:
3558:
3548:
3546:
3537:
3536:
3532:
3522:
3520:
3511:
3510:
3506:
3496:
3494:
3485:
3484:
3480:
3470:
3468:
3463:
3460:Wayback Machine
3453:
3449:
3439:
3437:
3428:
3427:
3423:
3413:
3411:
3402:
3401:
3397:
3387:
3385:
3376:
3375:
3371:
3361:
3359:
3350:
3349:
3345:
3335:
3333:
3324:
3323:
3319:
3309:
3307:
3298:
3297:
3293:
3283:
3281:
3272:
3271:
3264:
3254:
3252:
3243:
3242:
3238:
3228:
3226:
3217:
3216:
3207:
3197:
3195:
3186:
3185:
3181:
3171:
3169:
3160:
3159:
3155:
3145:
3143:
3134:
3133:
3129:
3119:
3117:
3108:
3107:
3103:
3093:
3091:
3082:
3081:
3077:
3067:
3065:
3056:
3055:
3051:
3041:
3039:
3030:
3029:
3025:
3015:
3013:
3004:
3003:
2996:
2986:
2984:
2975:
2974:
2970:
2960:
2958:
2945:
2944:
2940:
2930:
2928:
2919:
2918:
2914:
2904:
2902:
2893:
2892:
2888:
2878:
2876:
2863:
2862:
2858:
2848:
2846:
2837:
2836:
2832:
2822:
2820:
2811:Hussain, Atif.
2809:
2805:
2795:
2793:
2780:Jukka Salonen.
2778:
2774:
2764:
2762:
2749:
2748:
2744:
2734:
2732:
2728:
2717:
2713:
2712:
2708:
2698:
2696:
2691:. 29 May 2012.
2683:
2682:
2678:
2668:
2666:
2653:
2652:
2648:
2638:
2636:
2625:
2621:
2611:
2609:
2596:"Mobile Wallet"
2594:
2593:
2589:
2579:
2577:
2568:
2567:
2563:
2553:
2551:
2546:. Reuters.com.
2542:
2541:
2537:
2524:
2523:
2519:
2511:
2507:
2506:
2502:
2492:
2490:
2486:
2475:
2471:
2470:
2466:
2454:
2452:
2443:
2442:
2435:
2433:
2408:
2404:
2394:
2392:
2383:
2382:
2378:
2368:
2364:
2356:
2349:
2345:
2344:
2340:
2330:
2328:
2319:
2318:
2314:
2304:
2302:
2293:
2292:
2288:
2278:
2276:
2267:
2266:
2262:
2252:
2250:
2241:
2240:
2236:
2232:
2165:
2091:
2075:
2069:
2053:
2036:
2019:
1992:
1990:QR code payment
1986:
1981:
1751:
1745:
1742:
1739:
1730:
1726:
1719:
1658:
1613:
1553:
1551:Carrier billing
1532:
1527:
1458:Cloud QuickPass
1426:
1420:
1337:
1224:
1159:
1158:
1140:Too big to fail
1125:Systematic risk
1038:Ethical banking
1028:Cost of capital
1003:
995:
994:
941:Private banking
911:Islamic banking
891:Hedge (finance)
814:Ethical banking
784:Economic bubble
759:Climate finance
734:Bank regulation
698:
690:
689:
648:Instant payment
594:
586:
585:
509:
492:
491:
327:
291:
254:Purchase-to-pay
196:Mobile commerce
177:Social commerce
163:Online shopping
88:Streaming media
70:Digital content
34:
31:
23:
22:
15:
12:
11:
5:
5443:
5433:
5432:
5427:
5410:
5409:
5407:
5406:
5395:
5392:
5391:
5389:
5388:
5383:
5378:
5373:
5368:
5363:
5358:
5353:
5348:
5343:
5338:
5333:
5328:
5323:
5318:
5313:
5308:
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5272:
5267:
5262:
5257:
5252:
5247:
5242:
5237:
5232:
5231:
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5228:Samsung Wallet
5220:
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5019:
5014:
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4995:Google Pay app
4987:
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4860:Mobile payment
4856:
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4709:
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4697:Driving safety
4694:
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4208:Text messaging
4205:
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3617:
3586:
3556:
3541:. qrcode.com.
3530:
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2772:
2742:
2706:
2689:TechCrunch.com
2676:
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2561:
2535:
2517:
2500:
2464:
2455:|journal=
2402:
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2201:
2196:
2191:
2186:
2184:Digital wallet
2181:
2176:
2171:
2164:
2161:
2150:In Poland the
2132:and Norwegian
2090:
2087:
2071:Main article:
2068:
2065:
2052:
2049:
2035:
2032:
2018:
2015:
2010:
2009:
2006:
1988:Main article:
1985:
1982:
1980:
1977:
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1595:
1589:
1583:
1569:online payment
1552:
1549:
1531:
1528:
1526:
1525:
1520:
1515:
1510:
1508:Samsung Wallet
1505:
1500:
1495:
1490:
1485:
1480:
1475:
1470:
1465:
1460:
1455:
1450:
1445:
1440:
1434:
1422:Main article:
1419:
1418:Mobile wallets
1416:
1404:multinationals
1377:
1376:
1354:
1353:
1350:
1347:
1344:
1336:
1333:
1231:Mobile payment
1226:
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1208:
1200:
1197:
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1184:
1174:
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1105:Public finance
1102:
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1050:
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1013:Bond (finance)
1010:
1004:
1002:Related topics
1001:
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997:
996:
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989:
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983:
978:
973:
968:
963:
958:
953:
948:
946:Sustainability
943:
938:
933:
931:Money creation
928:
926:Mobile banking
923:
918:
913:
908:
903:
898:
893:
888:
883:
878:
873:
868:
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866:
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593:Funds transfer
592:
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569:
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546:
545:
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535:
530:
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523:Christmas club
517:
516:
510:
498:
497:
494:
493:
488:Lists of banks
485:
484:
479:
474:
469:
464:
459:
454:
449:
444:
442:Postal savings
439:
434:
429:
424:
419:
417:Mutual savings
414:
409:
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399:
394:
389:
384:
379:
374:
369:
364:
359:
354:
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344:
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328:
326:Types of banks
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57:
45:NFC technology
32:
9:
6:
4:
3:
2:
5442:
5431:
5428:
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5405:
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5367:
5364:
5362:
5359:
5357:
5354:
5352:
5349:
5347:
5344:
5342:
5341:Microsoft Pay
5339:
5337:
5334:
5332:
5329:
5327:
5324:
5322:
5319:
5317:
5314:
5312:
5309:
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5299:
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5236:
5235:Spice Digital
5233:
5229:
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5224:
5221:
5219:
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5214:
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5137:
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5132:
5129:
5127:
5126:Osaifu-Keitai
5124:
5122:
5119:
5117:
5114:
5112:
5109:
5103:
5100:
5099:
5098:
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5040:
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5035:
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5028:
5025:
5023:
5020:
5018:
5015:
5013:
5010:
5008:
5005:
5003:
5002:Google Wallet
5000:
4996:
4993:
4992:
4991:
4988:
4986:
4983:
4981:
4978:
4976:
4973:
4971:
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4911:
4908:
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4878:
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4771:
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4708:
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4703:
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4427:
4425:
4417:
4407:
4404:
4402:
4399:
4397:
4394:
4390:
4387:
4386:
4385:
4382:
4380:
4379:BlackBerry 10
4377:
4373:
4370:
4369:
4368:
4365:
4364:
4362:
4360:
4356:
4350:
4347:
4345:
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4335:
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4327:
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4317:
4316:
4314:
4312:
4308:
4302:
4299:
4297:
4294:
4292:
4289:
4287:
4286:Feature phone
4284:
4282:
4279:
4277:
4274:
4272:
4269:
4267:
4266:
4265:Manufacturers
4262:
4261:
4258:
4255:
4253:
4247:
4241:
4238:
4236:
4233:
4231:
4228:
4224:
4221:
4219:
4216:
4214:
4211:
4210:
4209:
4206:
4202:
4201:airplane mode
4199:
4198:
4197:
4194:
4190:
4189:phone cloning
4187:
4186:
4185:
4182:
4180:
4177:
4175:
4172:
4168:
4165:
4164:
4163:
4160:
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4146:
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4128:
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4113:
4109:
4106:
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4036:
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4029:
4027:
4024:
4022:
4019:
4018:
4017:
4014:
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4009:
4007:
4004:
4000:
3997:
3996:
3995:
3992:
3990:
3987:
3985:
3982:
3980:
3977:
3976:
3973:
3970:
3965:
3959:
3955:
3954:Mobile phones
3948:
3943:
3941:
3936:
3934:
3929:
3928:
3925:
3907:
3903:
3899:
3893:
3877:
3873:
3869:
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3847:
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3837:
3821:
3817:
3813:
3807:
3791:
3787:
3781:
3762:
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3729:
3725:
3719:
3713:
3709:
3705:
3700:
3684:
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3674:
3658:
3654:
3647:
3631:
3627:
3621:
3605:
3601:
3597:
3590:
3574:
3570:
3566:
3560:
3544:
3540:
3534:
3518:
3514:
3508:
3492:
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3461:
3457:
3451:
3435:
3431:
3425:
3409:
3405:
3399:
3383:
3379:
3373:
3357:
3353:
3347:
3331:
3327:
3321:
3305:
3301:
3295:
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3269:
3267:
3250:
3246:
3240:
3224:
3220:
3214:
3212:
3210:
3193:
3189:
3183:
3167:
3163:
3157:
3141:
3137:
3131:
3115:
3111:
3105:
3089:
3085:
3079:
3063:
3059:
3053:
3037:
3033:
3027:
3011:
3007:
3001:
2999:
2982:
2978:
2972:
2956:
2952:
2948:
2942:
2926:
2922:
2916:
2900:
2899:Light Reading
2896:
2890:
2874:
2870:
2866:
2860:
2844:
2840:
2834:
2818:
2814:
2807:
2791:
2787:
2783:
2776:
2760:
2756:
2752:
2746:
2727:
2723:
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2686:
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2656:
2650:
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2623:
2607:
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2602:
2597:
2591:
2575:
2571:
2565:
2549:
2545:
2539:
2531:
2527:
2521:
2510:
2504:
2485:
2481:
2474:
2468:
2460:
2447:
2431:
2426:
2425:10.1.1.460.10
2421:
2417:
2413:
2406:
2390:
2386:
2380:
2374:
2372:
2366:
2355:
2348:
2342:
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2316:
2300:
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2274:
2270:
2264:
2248:
2244:
2238:
2234:
2225:
2222:
2220:
2217:
2215:
2212:
2210:
2207:
2205:
2204:Point of sale
2202:
2200:
2197:
2195:
2192:
2190:
2187:
2185:
2182:
2180:
2177:
2175:
2172:
2170:
2167:
2166:
2160:
2158:
2153:
2148:
2146:
2142:
2137:
2135:
2131:
2126:
2125:pay with it.
2123:
2118:
2116:
2115:critical mass
2112:
2111:mobile BankID
2108:
2103:
2099:
2095:
2086:
2084:
2080:
2074:
2064:
2062:
2057:
2048:
2046:
2042:
2031:
2028:
2024:
2014:
2007:
2004:
2003:
2002:
1999:
1996:
1991:
1976:
1973:
1970:
1966:
1961:
1957:
1953:
1950:
1946:
1943:
1939:
1935:
1931:
1927:
1923:
1919:
1915:
1911:
1907:
1903:
1899:
1895:
1891:
1887:
1883:
1879:
1874:
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1818:
1814:
1810:
1806:
1802:
1798:
1794:
1790:
1786:
1782:
1778:
1777:Osaifu-Keitai
1774:
1770:
1765:
1761:
1759:
1749:
1737:
1732:
1723:
1722:
1714:
1711:
1710:Western Union
1706:
1699:
1696:
1693:
1692:
1691:
1685:
1683:
1682:for merchants
1679:
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1491:
1489:
1486:
1484:
1481:
1479:
1476:
1474:
1471:
1469:
1468:Google Wallet
1466:
1464:
1461:
1459:
1456:
1454:
1451:
1449:
1446:
1444:
1441:
1439:
1436:
1435:
1433:
1431:
1425:
1424:Online wallet
1415:
1413:
1409:
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1401:
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1315:
1311:
1307:
1306:micropayments
1303:
1299:
1295:
1291:
1286:
1284:
1280:
1275:
1272:
1268:
1264:
1260:
1256:
1255:mobile device
1252:
1248:
1244:
1243:mobile wallet
1240:
1236:
1232:
1221:
1216:
1214:
1209:
1207:
1202:
1201:
1199:
1198:
1193:
1189:
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1175:
1173:
1165:
1164:
1163:
1162:
1155:
1154:
1151:
1150:Watered stock
1148:
1146:
1143:
1141:
1138:
1136:
1133:
1131:
1130:Systemic risk
1128:
1126:
1123:
1121:
1118:
1116:
1113:
1111:
1108:
1106:
1103:
1101:
1098:
1096:
1093:
1091:
1090:List of banks
1088:
1086:
1083:
1079:
1076:
1074:
1071:
1069:
1066:
1064:
1061:
1059:
1056:
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1036:
1034:
1031:
1029:
1026:
1024:
1021:
1019:
1016:
1014:
1011:
1009:
1008:Asset pricing
1006:
1005:
999:
998:
987:
984:
982:
979:
977:
974:
972:
969:
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964:
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904:
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837:
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832:
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827:
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815:
812:
810:
807:
805:
802:
800:
797:
795:
792:
790:
787:
785:
782:
780:
779:Eco-investing
777:
775:
772:
770:
769:Disinvestment
767:
765:
762:
760:
757:
755:
752:
750:
749:Capital asset
747:
745:
742:
740:
737:
735:
732:
730:
727:
725:
722:
718:
715:
713:
710:
709:
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694:
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664:
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629:
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541:
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531:
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443:
440:
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435:
433:
432:Participation
430:
428:
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420:
418:
415:
413:
412:Middle market
410:
408:
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375:
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348:
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343:
342:Bulge bracket
340:
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323:
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314:
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307:
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281:
276:
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269:
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251:
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247:E-procurement
245:
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130:
129:Food ordering
127:
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107:
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73:
69:
68:
64:
60:
59:
56:
53:
52:
46:
42:
38:
30:
19:
5331:Lemon Wallet
5255:UnionPay app
5121:Orange Money
5062:Mobile Suica
5047:Mercado Pago
4910:Bancomat Pay
4859:
4622:Box breaking
4593:address book
4495:
4446:Distribution
4311:Form factors
4276:Camera phone
4263:
4240:Web browsing
4091:
4075:
3910:. Retrieved
3901:
3892:
3880:. Retrieved
3871:
3862:
3850:. Retrieved
3836:
3824:. Retrieved
3820:the original
3815:
3806:
3794:. Retrieved
3780:
3768:. Retrieved
3756:
3744:
3734:19 September
3732:. Retrieved
3728:the original
3718:
3699:
3687:. Retrieved
3683:the original
3673:
3661:. Retrieved
3657:the original
3646:
3634:. Retrieved
3630:the original
3620:
3608:. Retrieved
3589:
3577:. Retrieved
3573:the original
3568:
3559:
3547:. Retrieved
3533:
3523:19 September
3521:. Retrieved
3507:
3495:. Retrieved
3481:
3469:. Retrieved
3456:Ghostarchive
3454:Archived at
3450:
3438:. Retrieved
3424:
3412:. Retrieved
3398:
3386:. Retrieved
3372:
3360:. Retrieved
3346:
3334:. Retrieved
3320:
3308:. Retrieved
3294:
3282:. Retrieved
3253:. Retrieved
3239:
3227:. Retrieved
3196:. Retrieved
3182:
3170:. Retrieved
3156:
3144:. Retrieved
3130:
3118:. Retrieved
3104:
3092:. Retrieved
3078:
3066:. Retrieved
3052:
3040:. Retrieved
3026:
3014:. Retrieved
2985:. Retrieved
2971:
2959:. Retrieved
2955:the original
2950:
2941:
2931:19 September
2929:. Retrieved
2925:the original
2915:
2903:. Retrieved
2898:
2889:
2877:. Retrieved
2873:the original
2868:
2859:
2849:19 September
2847:. Retrieved
2843:the original
2833:
2821:. Retrieved
2806:
2794:. Retrieved
2790:the original
2785:
2775:
2763:. Retrieved
2754:
2745:
2733:. Retrieved
2721:
2709:
2697:. Retrieved
2688:
2679:
2667:. Retrieved
2658:
2649:
2639:19 September
2637:. Retrieved
2633:the original
2622:
2610:. Retrieved
2601:Investopedia
2599:
2590:
2578:. Retrieved
2564:
2552:. Retrieved
2538:
2530:the original
2520:
2503:
2491:. Retrieved
2479:
2467:
2446:cite journal
2434:. Retrieved
2430:the original
2405:
2393:. Retrieved
2379:
2370:
2365:
2354:the original
2341:
2329:. Retrieved
2315:
2305:19 September
2303:. Retrieved
2299:the original
2289:
2277:. Retrieved
2273:the original
2263:
2253:22 September
2251:. Retrieved
2237:
2149:
2145:peer-to-peer
2138:
2127:
2119:
2110:
2102:peer-to-peer
2092:
2076:
2058:
2054:
2037:
2020:
2011:
2000:
1993:
1974:
1944:
1900:provided by
1888:parkings of
1875:
1856:
1845:
1813:China Unicom
1788:
1769:Mobile Suica
1766:
1762:
1756:
1743:
1735:
1707:
1703:
1689:
1681:
1659:
1626:
1622:
1614:
1603:
1597:
1591:
1585:
1579:
1564:
1554:
1545:
1541:
1533:
1448:Apple Wallet
1427:
1378:
1370:
1355:
1338:
1322:
1287:
1276:
1270:
1242:
1238:
1235:mobile money
1234:
1230:
1229:
1063:participants
936:Pension fund
744:Asset growth
739:Bank secrecy
618:
614:Bill payment
533:Money-market
503:
486:
367:Credit union
204:
149:Ride-hailing
124:Distribution
29:Mobile Money
18:Mobile money
5223:Samsung Pay
5136:PayAnywhere
4965:EServGlobal
4683:Environment
4657:silent mode
4501:contactless
4484:advertising
4441:Development
4359:Smartphones
4068:Generations
3984:Frequencies
3882:16 November
3816:Getswish.se
3651:Kim, Ryan.
2823:10 November
2580:16 December
2554:16 December
2214:SMS banking
2128:The Danish
2027:cloud-based
1662:WAP billing
1586:Convenience
1536:credit card
1530:Credit card
1384:credit card
1318:Mercy Corps
1302:underbanked
1271:payment app
1267:credit card
1095:Market risk
986:Toxic asset
956:Speculation
844:engineering
382:Development
362:Cooperative
228:Call centre
139:Marketplace
119:DVD-by-mail
104:Advertising
5419:Categories
5270:WeChat Pay
5265:Wave Money
4990:Google Pay
4980:Garmin Pay
4975:FreeCharge
4970:Fitbit Pay
4940:CDS Global
4895:Apple Cash
4890:Amazon Pay
4745:Carrier IQ
4685:and health
4600:Television
4451:Management
4344:Smartwatch
4301:Smartphone
3989:Multi-band
3770:12 January
3663:9 November
3636:5 November
3610:5 November
3549:16 October
2961:25 January
2905:25 January
2879:25 January
2436:11 January
2395:2 February
2230:References
1956:smartphone
1926:Strasbourg
1922:NRJ Mobile
1898:smartphone
1854:stickers.
1801:NTT DoCoMo
1523:WeChat Pay
1443:Amazon Pay
1412:BlackBerry
1398:and major
1068:regulation
717:management
712:allocation
609:Electronic
402:Industrial
397:Investment
377:Depository
352:Commercial
261:Super-apps
55:E-commerce
5161:Braintree
5111:Naver Pay
5067:MobilePay
4950:Easypaisa
4900:Apple Pay
4727:Recycling
4674:Wallpaper
4652:Ringtones
4513:Ticketing
4489:campaigns
4479:Marketing
4281:Car phone
4196:Telephony
4150:operation
4043:Tethering
3968:protocols
3826:7 January
2796:7 January
2765:7 January
2735:7 January
2699:7 January
2669:7 January
2420:CiteSeerX
2130:MobilePay
1952:bank card
1924:) and in
1861:with the
1817:Chongqing
1362:Apple Pay
1048:Financial
839:economics
819:Financial
685:BRICS PAY
477:Wholesale
472:Universal
372:Custodian
233:Help desk
210:Ticketing
41:Apple Pay
5404:Category
5361:Softcard
5311:CurrentC
5280:YooMoney
5193:Payworld
5171:Paydiant
5057:MobiKwik
5037:Line Pay
5032:KakaoPay
5022:JazzCash
4960:Ensygnia
4955:EnStream
4935:Cash App
4862:software
4818:Category
4561:Learning
4541:Gambling
4531:Blogging
4506:donating
4496:Payments
4466:Commerce
4424:software
4421:specific
4271:3D phone
4235:Tracking
4184:Security
4167:services
4157:Features
4108:adoption
4076:Analogue
4058:XHTML-MP
4031:SIM lock
4021:dual SIM
4016:SIM card
3964:networks
3912:25 March
3906:Archived
3902:Finanteq
3876:Archived
3846:Archived
3796:17 April
3790:Archived
3761:Archived
3708:Archived
3604:Archived
3600:Engadget
3579:22 March
3543:Archived
3517:Archived
3491:Archived
3458:and the
3434:Archived
3414:3 August
3408:Archived
3382:Archived
3362:3 August
3356:Archived
3330:Archived
3304:Archived
3278:Archived
3249:Archived
3223:Archived
3192:Archived
3166:Archived
3146:2 August
3140:Archived
3120:2 August
3114:Archived
3094:2 August
3088:Archived
3068:2 August
3062:Archived
3042:2 August
3036:Archived
3016:2 August
3010:Archived
2987:2 August
2981:Archived
2817:Archived
2759:Archived
2726:Archived
2693:Archived
2663:Archived
2606:Archived
2574:Archived
2548:Archived
2484:Archived
2482:. 2012.
2389:Archived
2325:Archived
2247:Archived
2163:See also
1882:Monoprix
1829:Homeplus
1789:de facto
1746:May 2024
1649:sessions
1580:Security
1483:Line Pay
1408:Ericsson
1406:such as
1298:unbanked
1172:Category
864:services
849:forecast
824:analysis
729:Bad debt
515:Accounts
500:Accounts
437:Payments
427:Offshore
407:Merchant
332:Advising
144:Pharmacy
109:Auctions
83:Software
5316:Fortumo
5306:Bell ID
5294:Defunct
5218:Revolut
5203:PhonePe
5166:iZettle
5141:PayMate
5052:Mir Pay
4669:Txt-spk
4614:Culture
4523:Content
4474:Banking
4372:rooting
4329:Phablet
4252:devices
4174:History
4148:General
4092:Digital
4006:Roaming
3812:"Swish"
3497:28 June
3471:21 June
3440:26 June
3388:27 June
3336:27 June
3310:26 June
3284:27 June
3255:28 June
3229:27 June
3198:28 June
3172:28 June
2612:6 March
2493:15 June
2279:23 June
2122:Trustly
2109:system
2045:NFC 2.0
1995:QR code
1960:Samsung
1894:Samsung
1892:with a
1867:Philips
1852:barcode
1841:Beijing
1773:JR East
1736:updated
1503:PhonePe
1493:Mir Pay
1247:payment
1182:Commons
859:planner
829:analyst
577:Prepaid
538:Savings
528:Deposit
462:Savings
447:Private
422:Neobank
347:Central
309:Banking
205:Payment
134:Grocery
114:Banking
5366:Tagpay
5356:Simpay
5351:Pingit
5336:LG Pay
5326:Kuapay
5301:AirTag
5275:Wizzit
5183:PayPay
5156:PayPal
5151:PayNow
5077:M-Pesa
4945:Circle
4885:Alipay
4868:Active
4816:
4664:Selfie
4647:Novels
4637:Dating
4632:Comics
4627:Charms
4588:Social
4576:Search
4551:Health
4546:Gaming
4419:Mobile
4384:iPhone
4334:Slider
4250:Mobile
4011:Signal
3962:Mobile
3852:2 June
3704:T-Cash
3689:9 July
2422:
2331:8 June
2098:Sweden
2025:use a
2023:GoPago
1938:Rennes
1934:Keolis
1902:Orange
1884:) and
1837:Rennes
1805:FeliCa
1785:nanaco
1643:, and
1604:Proven
1573:PayPal
1488:Mi Pay
1478:LG Pay
1438:Alipay
1388:Google
1366:PayPal
1335:Models
1316:, and
1312:, the
1300:" or "
1283:patent
1263:cheque
1192:Portal
1115:Shares
1078:system
1058:market
619:Mobile
599:Cheque
567:Credit
502:
457:Retail
452:Public
387:Direct
187:Wallet
154:Travel
5376:vcash
5285:Zelle
5260:Vipps
5250:TWINT
5240:Swish
5188:Paytm
5176:Venmo
5146:PayMe
5082:Nagad
5072:Mopay
5027:Jumio
5012:iDEAL
5007:Gopay
4985:GCash
4915:bKash
4880:Adyen
4581:local
4566:Music
4536:Email
4339:Slate
3764:(PDF)
3753:(PDF)
2729:(PDF)
2718:(PDF)
2512:(PDF)
2487:(PDF)
2476:(PDF)
2357:(PDF)
2350:(PDF)
2134:Vipps
2094:Swish
2061:TWINT
1969:Paris
1886:Vinci
1863:Nokia
1859:Hanau
1833:Tokyo
1825:Seoul
1793:Japan
1518:Venmo
1498:Paytm
1463:GCash
1288:In a
1279:Japan
1265:, or
834:asset
707:Asset
697:Terms
658:SWIFT
572:Debit
554:Cards
507:Cards
78:Ebook
5386:Znap
5381:Zapp
5346:Paym
5213:Qiwi
5198:Paze
5116:NEFT
5102:BHIM
5092:IMPS
5087:NPCI
5042:Maya
4925:Boku
4920:Blik
4875:2C2P
4571:News
4433:Apps
4349:Fold
4324:Flip
4230:Spam
4125:4.5G
4115:3.5G
4048:VoIP
4026:eSIM
3999:list
3914:2021
3884:2018
3872:NPCI
3854:2018
3828:2017
3798:2023
3772:2017
3736:2011
3691:2012
3665:2012
3638:2012
3612:2012
3581:2017
3551:2015
3525:2011
3499:2020
3473:2020
3442:2020
3416:2020
3390:2020
3364:2020
3338:2020
3312:2020
3286:2020
3257:2020
3231:2020
3200:2020
3174:2020
3148:2020
3122:2020
3096:2020
3070:2020
3044:2020
3018:2020
2989:2020
2963:2013
2933:2011
2907:2013
2881:2013
2851:2011
2825:2017
2798:2017
2767:2017
2737:2017
2701:2017
2671:2017
2641:2011
2614:2019
2582:2012
2556:2012
2495:2023
2480:GSMA
2459:help
2438:2011
2397:2017
2333:2018
2307:2011
2281:2012
2255:2012
2152:Blik
1965:Caen
1942:Nice
1932:and
1930:SNCF
1920:and
1896:NFC
1890:Caen
1871:Sony
1869:and
1821:Nice
1797:Sony
1783:and
1598:Fast
1592:Easy
1473:Gyft
1453:BHIM
1410:and
1382:and
1358:bank
1259:cash
1241:and
1073:risk
916:Loan
854:plan
754:Cash
680:SPFS
675:CIPS
653:Giro
631:RTGS
626:Wire
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