With a few notable exceptions (such as Apple) the fact is that technology doesn't really matter. What really matters, especially when you are targeting consumers, is application.

Sounds controversial? Let me explain what I mean. Look at the early days of movies - were you a Betamax or a VHS fan? What about the more recent Blu-Ray vs HD DVD war? And on the early PCs, there were many different companies trying to launch their own operating system to compete with many others on the market. Ditto for the early smart phones.

But look at where we are now - in each space it has come down to just one or two main players - very rarely are there three or more. And the reason is simple - it doesn't benefit consumers or the industry to be fighting about the technology. Instead the underlying technology needs to be agreed, so it is all interoperable and makes things easier for consumers, and then vendors can start to differentiate themselves with the service they actually offer to consumers. That is where the 'bells and whistles' come in, and where customers are won or lost.

Let's think about this in the payment card space. Imagine the headaches if we as an industry didn't all use one size credit card, or if Europay, MasterCard and Visa hadn't agreed on the EMV standard. We'd all have to spend so much time and money trying to work out how we work together when our products are so different, we couldn't afford to even think about new innovations or how best we serve the customer.

The same analogy must apply in the mobile world. At the moment it is a bit like a technology land grab, where everyone is trying to stake their claim, but we mustn't forget that what is delivered to consumers needs to be as interoperable, flexible and easy to use as possible. This means we must stop fighting over the technology and start delivering real benefits and convenience to consumers.