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My favorite mobile payments app – and it’s not Apple Pay

013 - mobile payments 2Am I the only one who hasn’t fallen under Apple Pay’s spell? It’s not just that it’s not available to those who don’t own an iPhone nor that the tap and pay NFC (near field communication) technology can’t be used at most point-of-sale (POS) devices. While reports of consumers linking their debit and credit cards to Apple Pay are high, repeat usage figures are less impressive, with only about half of the numbers.
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Looking Ahead to 2012 – Top 5 Trends and Predictions in Payments

As 2011 comes to a close, we reflect on a year of turmoil, plagued by the tumultuous global economic landscape, an anemic US recovery, Occupy Wall Street illuminating the lingering signs of pain on Main Street, pervasive European debt crisis, supply chain disruptions triggered by the floods in Thailand and Japan’s tsunami, major web outages that rippled from Amazon web services, and a massive data breach at Sony PlayStation. However, 2011 also marked the biggest boom in smartphone penetration, notable mergers, acquisitions and strategic alliances, and the smallest of positive signs of US growth. So, we look ahead to 2012 with brighter prospects, especially as we focus on payments.

Some of the key trends that we will see in 2012 are:

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