EU offers issuers extra time to implement strong customer authentication

Opinion of the European Banking Authority on the elements of strong customer authentication under PSD2 — European Banking Authority — “In order to avoid unintended negative consequences for some payment service users after 14 September 2019, CAs [national competent authorities] may decide to work with PSPs [payment service providers] and relevant stakeholders, including consumers and merchants, to provide limited additional time to allow issuers to migrate to authentication approaches that are compliant with SCA [strong customer authentication].”


Apple Card pilot expands to ‘thousands of retail workers’

Apple expands Goldman credit card test to thousands of retail workers — Bloomberg — “The Cupertino, California-based company this week launched an internal beta program for the Apple Card with its retail workers, according to people familiar with the initiative. The move marks the first major trial for the card, which has been used for several weeks by a far smaller set of Apple corporate and Goldman Sachs employees.”


PayByPhone integrates with Alexa to let drivers pay by voice from their cars

PayByPhone is now available through Amazon Echo Auto — PayByPhone — “To use the PayByPhone skill for Alexa, users must enable the skill and connect their existing PayByPhone account through account linking. After this, users can simply say, ‘Alexa, ask PayByPhone to start parking’ to begin a new parking session at the user’s desired spot for their desired duration.”


Queensland to roll out state-wide open loop ticketing for trains, buses and ferries

Train and bus ticketing via phones and plastic to be tested in regional Queensland — ABC News — “The new system allows train, bus and ferry rides to be paid for with the swipe of a credit or debit card, smartphone wallet or smartwatch… The project in Queensland comes with a A$371m (US$257m) price tag, but unlike systems interstate and overseas, it will take in regional cities including Cairns, Townsville, Mackay and the Gold Coast.”


China’s national transit card system to cover 260 cities this year

One metro card to cover 260 cities in China — ECNS — “China’s nationwide public transit card, usable on both bus and subway routes, will cover 260 cities at prefecture level and above this year, according to the Ministry of Transport. That means a passenger holding one card can take buses or subways in any of the designated cities and enjoy local preferential policies, ensuring travel convenience.”



Crédit Agricole pilots biometric bank cards

Mastercard collaborates with Crédit Agricole on biometric card trial in France — Mastercard — “Mastercard is working with Crédit Agricole Payment Services on a biometric card pilot for 200 customers in Touraine and Poitou, who will trial the card which features an integrated fingerprint sensor. Cardholders will place their finger on the sensor to make secure and prompt contactless payments without the ceiling limit of 30 euros.”



Android Q to let users log into Wi-Fi networks via NFC, QR or Bluetooth LE

Android Q supports ‘Wi-Fi Easy Connect’ for NFC, Bluetooth, QR credential sharing — 9to5Google — “Android Q enables you to use Easy Connect to provision Wi-Fi credentials to a peer device… The calling app can retrieve the URI through various methods, including scanning a QR code from a sticker or display, or through scanning Bluetooth LE or NFC advertisements.”



Visa rolls out ‘sensory branding’ to a million points of sale in 25 countries

Animation, sound and vibration – How Visa is reinforcing consumer trust in a changing payments world — Visa — “Visa today announced that its sensory branding suite is live at more than one million points of sale in 25 countries. The suite is comprised of sound, animation and haptic vibration brand cues that occur with a Visa payment transaction.”


Visa, Mastercard and PayPal back Facebook’s Libra cryptocurrency launch

The Libra Association — Libra — “Libra is a global, digitally native, reserve-backed cryptocurrency built on the foundation of blockchain technology. People will be able to send, receive, spend, and secure their money, enabling a more inclusive global financial system… The Libra Association is made up of a group of diverse organizations from around the world… This initial group of organizations will work together to finalize the Libra Association’s charter and will become the association’s Founding Members upon its completion.”


Facebook unveils its blockchain digital wallet plan

Coming in 2020: Calibra — Facebook — “Today we’re sharing plans for Calibra, a newly formed Facebook subsidiary whose goal is to provide financial services that will let people access and participate in the Libra network. The first product Calibra will introduce is a digital wallet for Libra, a new global currency powered by blockchain technology. The wallet will be available in Messenger, WhatsApp and as a standalone app — and we expect to launch in 2020.”



Survey finds consumers ‘reluctant to swap passwords for biometrics’

Consumers reluctant to swap passwords for biometrics for fear of identity fraud — Paysafe Group — “Over half of consumers (56%) are worried that the shift to biometrics to authenticate online payments will dramatically increase the amount of identity fraud, according to new research conducted by Paysafe… The research found that four fifths (81%) of consumers still favour passwords for making payments online due to concerns about the security of new biometric options.”


NFC Forum releases bidirectional IoT communication standard

NFC Forum enhances connectivity of IoT devices with new and updated specifications — NFC Forum — “Bidirectional communication with IoT devices means NFC-enabled smartphones can read the actual state from the IoT device (eg, the actual title of music played) and can change the configuration of the IoT device by write access (eg, to adjust the volume or to switch to the next audio file). It can be used, for example, to configure an audio system, digital camera, lightning system, smart meter or radiator valve. This protocol can also be used where P2P is not implemented, for example, on existing NFC readers that do not support P2P mode.”


ETA issues US mobile payments market status report

The state of mobile payments in 2019 — Electronic Transactions Association — “In 2018, 55 million people in the US used their smartphone to make a payment at a physical point of sale, whether by loading money into a closed-loop mobile app (like the Starbucks app) or by loading a credit or debit card into an open-loop mobile wallet (like Apple Pay, Google Pay, or Samsung Pay) and using it to pay at the point of sale. These 55 million users account for about 20% of the U.S. population aged 15 and over, and just over 25% of US smartphone users.”


TNS reports on consumer attitudes to wearable payments

TNS report shows alternative and cashless payments adoption at an inflection point with security a concern to wider usage — TNS — “44% of respondents are willing to make a payment using a wearable device like a ring or a bracelet; just under two-thirds (65%) expressed that security concerns would stop them from using a wearable device to make a payment; Australians are most concerned about security (68%) versus Americans (64%) and Britons (63%); more than half of male smartwatch owners have used it to make a payment.”


Japanese government to adopt iPhone NFC chip reading for citizen ID

iOS 13 NFC for Japanese Individual Number Cards — Ata Distance — “Individual Number Cards are supported by card readers that require a personal computer and additional software. NFC tag reading with a smartphone is much easier because it can work out of the box and an app. Android phones are supported but limited to select Aquos, Galaxy and Xperia smartphone models. iPhone NFC tag support in iOS 13 will considerably widen the user footprint.”