Could PayPal be a SWIFT for low value payments, First Data pilote stat, Anti banking virus on mobile, 9% of US customer have a contactless card : zap

Billet intéressant de Thefinanser sur SWIFT versus Paypal, avec un parallèle entre banque et operateur telecom. Extrait :
“And everytime I talk to PayPal at SIBOS, the question comes up: "could PayPal be a SWIFT for low value payments" or "could SWIFT be a PayPal for low value payments".
I think I finally answered this question today, as PayPal is more like the telecoms model of transactions, whereas SWIFT is more like the telecoms network.
What I mean by this is that if I'm BT or AT&T, I don't care who is on my network as long as they drive up volume and minutes on the network. Therefore, the fact that PayPal partner with many of the largest Global Transaction Services business globally is great. For these bank partners, they drive up huge volumes of transactions on the network, and this is great business. However, SWIFT do not do this.
SWIFT create services for and upon the network. Therefore, SWIFT's aim is much more to make the network more functional for the operators, rather than focusing on volume on the network ... although the more volume on the network, the better it is for pricing and rebates of course. But the pricing and rebates is a result of the users of the network offering that functionality to their clients, such as PayPal.”

Europe, PayPal and SWIFT
http://www.thefinanser.co.uk/2008/09/europe-paypal-a.html

Enfin les données sur le pilote First Data GO Tag de Denver
“statistics from First Data’s GO-Tag introduction at the Democratic National Convention :
. Approximately 5,000 GO-Tag pins distributed
. Nearly 50% of the pins were used
. 3,103 transactions over three days (8/25-8/27)
. Average transaction value: $6.57 “

Retour d’experience sur un des pilotes hollandais
NFC Mobile Payments - Beautiful Says Dutch Retailer!
http://www.paymentsnews.com/2008/09/nfc-mobile-paym.html

Paymentsnews et finextra (parmi d'autres) relaient la dernière up date de Juniper qui annonce que 9% des américains sont détenteurs d'une carte bancaire (= open network) plastique sans contact :
"New U.S. consumer research commissioned by the Smart Card Alliance showed nine percent of the U.S. population now has a contactless credit or debit card. Last year the number of open network contactless cards in circulation reached 35 million in 2007, nearly doubling from 19 million in 2006, according to another study from JupiterResearch. "

An Update on Contactless Payments in the US
http://www.paymentsnews.com/2008/09/an-update-on-co.html

Brandon McGee identifie un Antivirus ciblant le mobile banking (Price - $29.99 )

SMobile Systems launches first ever Mobile Banking and Trading Endpoint Security Solution to protect the most vulnerable aspect of mobile financial transactions: the mobile device.