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MobilePayments&NearFieldCommunications(NFC)U.S.mobilepaymentswilltotal$214billionby2015,ballooningfrom$16billionthisyear.That’sanaverageannualgrowthrateof68%.*http://www.digitaltransactions.net/news/story/2808*Paypal:MobileShoppingGrew310%OnBlackFriday,27%IncreaseInMobilePayments*http://www.businesswire.com/news/home/20101127005008/en/PayPal-Black-Friday-Data-Reveals-Increase-Online*5typesofMobilePaymentsMobilecommerce(orm-commerce)usesthemobilehandsetasthegatewaytoonlineshopping.Insteadofbuyingitemsfromyourdesktoporlaptopcomputer,youwouldopenanapporthemobilebrowser.MobilepaymentsacceptanceMobilePeer-to-Peer(P2P)Peer-to-peer(P2P)payments,aswithotherpeer-to-peerserviceslikemusic-sharing,areinformaltransactionsmadebetweentwopeople.MobilePointofSale(POS)UnlikemobileP2Ptechnology,whichmayusetextorasoftwareapplicationtotransferfunds,mobilepoint-of-sale(POS)isallabouthardware.WhatisNearFieldCommunications?NFC,ornear-fieldcommunications,isashort-waveradiocommunicationstechnologythatprovidesawayfortwodevicestocommunicatesmallamountsofdatawhenthey'replacedaboutfourinchesapart.http://www.youtube.com/watch?v=2KTyFE3sfSoMobilePaymentNFCDemo(YouTube)Whatarewewaitingfor?•Merchantsreluctanttoinvestinsmartterminals•LackofmobiledevicesthatsupportNFC•Toomanyplayersinvolved•Potential“leapfrog”technologyalternativesAT&TInc.,T-MobileUSAInc.andVerizonCommunicationsInc.formallyannouncedtheirlong-rumoredmobilepaymentsnetworkIsis,whichisworkingwithBarclaycardUSandDiscoverFinancialServicestobringpayment-enabledmobilephonestoconsumers.Theventurewillbelookingtooperateanopennetwork,addingthatitwillfocusonmobilecouponingandothercommerceservicesinadditiontopayments.AppleiTuneshaswellover125millionactivecreditcardstiedtoaccountsandtheycantieittoapaymentmethodoftheirchoice.•NFCwillbeincludedin“GingerbreadRelease”•ExtendingNFCCapabilities:•ReplacingHotelKeys•LocationTracking(incentives,couponing)•AirlineTicketProcessingGoogleAndroidhttp://www.youtube.com/watch?v=AKOWK2dR4DgWeb2.0Summit2010:EricSchmidt(YouTube)REFERENCESEichenbaum,Peter.DiscoverGetsHistoricOpportunitywithMobileDeal.Bloomberg.November17,2010.http://www.bloomberg.com/news/201011-17/discover-gets-historic-opportunity-with-mobilepaymentsdeal.html?cmpid=yhooMcAfee,Seamus.MobilePaymentsPredictedtoSkyrocket.http://www.creditcards.com/credit-card-news/mobile-payments-predicted-to-skyrocket-1276.phpRay,Bill.WhatwillGoogledowithNFC?TheRegister.November17,2010.http://www.theregister.co.uk/2010/11/17/google_nfc/Johnson,Andrew.MobilePaymentsSetforSurge,ButWho’llSetthePace?AmericanBanker.November17,2010.http://www.americanbanker.com/issues/175_221/mobile-payment-venture-must-make-pitch-1028786-1.htmlSegan,Sascha.WhatisNFC,andWhyShouldYouCare?PCMagazine.November17,2010.http://www.pcmag.com/article2/0,2817,2372849,00.aspFrommer,Dan.MobileCarriersLaunchaPaymentsVenture:WillAppleandGooglePlayAlong?BusinessInsider.November16,2010.http://www.businessinsider.com/mobile-carriers-launch-a-payments-rocket-will-apple-and-google-play-along-2010-11VanGrove,Jennifer.GoogleWillSoonPowerMobilePayments.Mashable.November16,2010.http://mashable.com/2010/11/15/google-mobile-payments/Dolcourt,Jessica.MakingSenseofMobilePayment.Cnet.http://www.cnet.com/8301-17918_1-20013480-85.htmlPhotographyUsagehttp://www.flickr.com/photos/28568131@N06/4945175443/http://www.gettyimages.com/Search/Search.aspx?contractUrl=2&language=en-US&family=creative&assetType=image&p=sb10065623c-001www.toveri.com