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lovecases luxury crystal iphone 8 plus / 7 plus case - silver

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"The ability to put all of that on a device that you carry with you 24/7 and offers an added level of security is a big step forward," he said. "That is what consumers get excited about when we talk to them about mobile payments."Big opportunitiesJuniper Research estimates that the mobile market could be worth about $670 billion worldwide by 2015. Forrester Research's numbers are a bit more conservative, estimating that mobile payments in the U.S. by 2016 could be worth $31 billion. It's big numbers like these that have enticed Starbucks and other companies eying this market. Earlier this month, more than a dozen retailers including Target, Best Buy, and Wal-Mart announced that they are joining forces to create their own mobile payments app that can be used in all their stores. Google and eBay's PayPal are already in the market with their own versions of a digital wallet and mobile payment system. And the carrier joint venture Isis plans to launch its mobile payment system this month in its first two cities, Salt Lake City and Austin, Texas.

What's more, other players are also in the market, including the startup Square, which started out offering small merchants a way to process credit card transactions with its postage stamp-sized card reader, Now the company, which is backed by a $25 million investment from Starbucks, has the "Pay with Square" app that allows users to pay for things like a cup of coffee via the mobile app, Google Wallet Product Manager Robin Dua acknowledges that the crowded field of players is a bit confusing, "In the near lovecases luxury crystal iphone 8 plus / 7 plus case - silver term we're going to see quite a few companies out there in the mobile payments market," he said, "But there will be a shake-out, In the end, there won't be thousands of wallets like there are today."At this point, it's unclear who will win the day, The retailers teaming up to build their own mobile payment app haven't been clear about how they will build the app or what technology it will use, Partnerships could form between companies that today seem to be rivals, For example, if retailers use near-field communications, or NFC -- the technology that Google Wallet and Isis use, allowing people to tap their phones to a terminal to make payments -- there may be opportunities for the companies to work together, The big motivation in working together is that Google and Isis may provide the technology, while the retailers could provide the processing capability that sidesteps or minimizes the credit card processing fees they often complain about..

Currently, Google Wallet and Isis are not involved with the processing piece of the payment business. And it's not likely they will try to compete in that world anytime soon. "From our perspective, we leverage the existing processing and fee structures that are already in place," said Google's Dua. "Processing a Google Wallet transaction fits into the existing fee structure already negotiated. There is a reason that the four-party system for payments works well. Everyone brings something to the table."Slow startOne thing is clear, the market for mobile payments is off to a slow start. For years, everyone from handset makers like Nokia to credit card companies talked about the promise of paying with your phone. But so far the concept has not taken off. Google has been in the market for a year now with Google Wallet, but it's gotten very little traction. Part of the problem was the fact that the NFC technology necessary to complete the transactions was only on a handful of devices. And the company also had a hard time adding banks and credit card issuers to its network.

To help rectify the latter issue, Google has recently changed how the service works so that it can scale the number of credit cards it supports, Instead of adding individual cards to the virtual wallet on the phone, Google has put all the credit card information in the cloud, And users can utilize what used to be known as a Google Checkout account to make payments from any credit card stored in that wallet from their smartphones, The lovecases luxury crystal iphone 8 plus / 7 plus case - silver lack of NFC-enabled phones in the market continues to be a problem, For more than a year proponents of the technology have said that massive deployments of NFC-enabled devices were just around the corner, Last summer, Bill Gajda, head of Visa Mobile Global, said he expected dozens of Google Android devices to have NFC technology embedded by the end of 2011, Now it's the middle of 2012, and there are still few NFC devices on the market, And at least one wireless operator, Verizon Wireless, is still blocking the functionality on its network..

Isis's Johnson says that NFC devices are coming. And they will proliferate through the market quickly. "There will be a number of announcements in the coming weeks and months with devices that have NFC," he said. "And given that the average consumer buys a new phone every 18 months, the technology can diffuse through the market very quickly."Indeed, the new crop of Microsoft Window Phone 8 devices expected to be announced this fall will have NFC. Samsung announced the first such device in Berlin last week. And Nokia is expected to announce its first version of a Windows Phone 8 device with NFC embedded this week.