19 July 2018
Matt Scott

Matt Scott

Matt Scott - RenovITe Technologies Inc

13Posts 69,877Views 149Comments
Innovation in Financial Services

Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Have Device Will travel

23 September 2013  |  4697 views  |  2

Recently, inspired by the upcoming EBUG conference, I felt enthused to try and get a handset with NFC working for payments.

Previously i had been "marooned" on an NFC-less iPhone 4S - it had the Starbucks App which makes for a nice barcode-based demo - but so what?

The device I had in mind was the Samsung Galaxy S4 - so I checked the prerequisites: NFC radio interface - check; embedded Secure Element - check; support of USIM Secure Elements - check; support for microSD SE - check...

Okay so it would seem the device is ready! So I duly purchased a SIM-free (unlocked) Samsung Galaxy S4. So what are the options for this awesome device?

Visa Europe are not quite ready with their Embedded SE solution which is due in December 2013 (I am reliably informed).

Google Wallet? Well unless I am prepared to root the phone and hack it about a bit (and accept some pretty high Multicurrency charges) I am not going to be able to get this to work as Google have not rolled this out in the UK.

Ah - surely my prayers are answered in the EE Cash on Tap! But no, EE will only support Cash on Tap on a Locked (to the EE Network) Handset with a monthly contract. Their friendly tech support guy told me it had to do with crypto on the embedded SE - which was utter nonsense as their service uses special EE USIM's with SE's (indicated by a N on the SIM). Unfortunately their Branch colleagues are equally clueless.

So - Mobile NFC payments UK - where are you? Have device, will travel. If I can't get it working and: (a.) I'm a slightly obsessively enthusiastic geek; and (b.) I've worked in Cards and Payments for over 13 years - what hope has joe public of getting this working (or actually wanting to).

Convergence. Ease of use. Consistency.

Mobile wallet, where art thou?

TagsCardsMobile & online

Comments: (4)

Matt Scott
Matt Scott - RenovITe Technologies Inc - London 23 September, 2013, 07:43 Thanks Finextra, the formatting looks great!
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A Finextra member
A Finextra member 23 September, 2013, 16:40 Why not use the other "mobile" form factor (petrochemical derivative?.. (As for formatting, if you are doing cut & paste, you need to tweak paragraphs (doesn't work on iPhone, btw).
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Matt Scott
Matt Scott - RenovITe Technologies Inc - London 23 September, 2013, 22:04

@ap - Created the blog on my iOS 7 iPad using Pages - fixed the formatting now...

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Marc Poujol
Marc Poujol - Freelance - Paris 24 September, 2013, 14:28

I share your disappointment, thinking of all this technology sitting around iddle and useless ...

The only tangible experiences I managed to live, regarding my Android's NFC ability, have been :

1)the extraction of the data on my Passport's chip after keying in my Passport's serial number : great step forward, in the discovery of my personal details !

2)the reading of the ISO-whatever-structured data on the NFC partiction of my credit card, reminding me the issuer Scheme already displayed on the plastic


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job title Chief Technology Officer
location London
member since 2009
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Leading the development of new software platforms and services.

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