Russia's Sberbank is preparing to introduce both Secure Element- and Host Card Emulation-based mobile NFC payment wallets in a decision that reflects the different "risk profiles" of the two technologies.
It's not about "side-by-side". There are only two or three smartphones with embedded SE. Hence, the rest have to rely on HCE.
If eSE were available in every phone (and mobile operators did not stand in the way), it's a no-brainer for banks.
There are many strong reasons why SE beats HCE hands down. Mass transit is one of them. Wearables is another.
Alexander - good point. Do you think its worth the investment for banks to toggle between technologies(HCE/SE) based on whats available on the handset?
Interesting, but how does the consumer choose. As a consumer, I would hate to be faced by two alternatives with different "risk profiles" - I would want someone to choose the safest and give me just that. Reminds me of the multiple mobile payment standards
launched in China, before they decided to go for NFC.
CHF 120k-140k (GBP 80-90k) base, double OTE, benef...Zurich, Switzerland
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