02-24-2015 01:13 PM
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  1. Jorge Holguin's Avatar
    Well is already too late... MS have to come up with its own payment system.
    02-23-2015 02:24 PM
  2. Jazmac's Avatar
    The SoftCard model is driven by greed and kickbacks. It's highly flawed. Carriers created this mess.

    Google, then Apple, each came up with separate workarounds to provide security for transactions. Microsoft needs to do the same and implement an in-house system and get it ratified by Banks.

    Cut out the carriers, we already know how they put ridiculous and wasteful exclusivity at the forefront of every deal they touch making it so much less than what it should be...
    Very true.
    02-23-2015 02:27 PM
  3. gMaesterUK's Avatar
    Well is already too late... MS have to come up with its own payment system.
    Or use/buy PayPal...

    G.
    Legoboyii, theefman and a5cent like this.
    02-23-2015 02:30 PM
  4. Jorge Holguin's Avatar
    02-23-2015 02:31 PM
  5. theefman's Avatar
    Never. On the flip-side, most European countries don't have any comparable service at all. If something similar comes to Europe it will go through the banks however. Not the carriers. Certainly not U.S. carriers.
    Which is how it should be, a payment system should be handled by the institutions who handle payments, not your wireless carrier. Only in the US are carriers treated like they are the kings of everything wireless and have to give permission for anything you do on your smartphone. I cant imagine having to get approval from my phone carrier to pay a bill in a store, its ridiculous. Yet they have got US consumers thinking this is an acceptable way to do things. Amazing example of mass mind control.
    02-23-2015 02:35 PM
  6. Jazmac's Avatar
    I wonder what kinds of political hoops MS will need to jump through to make this available? I also suspect it would also need to be a solution available on ALL platforms and not just Windows Phone.
    a5cent likes this.
    02-23-2015 02:57 PM
  7. Jorge Holguin's Avatar
    I also suspect it would also need to be a solution available on ALL platforms and not just Windows Phone.
    Agree, I believe this wont be an issue with MS, just look at the Office suit. But they have to come up with something fast or the news will spread that everybody is working on MPS except for MS. Then, like always they will rush to come up with something.
    02-23-2015 03:13 PM
  8. rory753's Avatar
    I don't often quote the verge, but there is this to think about:
    Bill Gates on The Verge: Can mobile banking revolutionize the lives of the poor? | The Verge
    basically, it talks about how developing countries will be setting the trend for mobile banking, due to the constraints set forth by developed banks and systems. This is an interesting article for anyone interested in mobile payment and what we might be thinking about for the future. I'd be curious to know of anyone with first hand knowledge of these systems(Kenya or others) could weigh in
    agentmikeyd99 likes this.
    02-23-2015 04:00 PM
  9. Jorge Holguin's Avatar
    02-23-2015 04:41 PM
  10. psudotechzealot's Avatar
    Lack of vision & bad timing is continuity hurting WP.
    02-24-2015 03:44 AM
  11. psudotechzealot's Avatar
    Keep up the good fight, Jorge Holguin.
    Jorge Holguin likes this.
    02-24-2015 03:45 AM
  12. mhc48's Avatar
    Chasing after Apple and Google in mobile payments sounds like a sucker's game for MS. And would be viewed as distant third place attempt to catch up which it can't do given the present low number of Windows phones compared to Android and Apple. The canny way Satya Nadella has been going lately, it seems more likely to me that MS would take the approach of letting them all beat themselves up with conflicting systems and if/when one emerges as dominant, having WP phones be able to work with or use it. If MS wasn't in the game of trying to compete directly with them in that battle, I don't think either Google or Apple would close access to their systems and forgo the additional revenue stream.
    HeyCori likes this.
    02-24-2015 08:22 AM
  13. ShinraCorp's Avatar
    This payment system war is ridiculous. I didn't know you guys wanted to pay stuff so badly :P I mean what ever happened to reaching your pocket, grabbing your wallet and pull out a credit card/debit card? I mean they both have NFC chips in it now (well the USA doesn't but meh) so it's still tap to pay with these cards. Heck if they were to bring this stuff in Canada I bet my shinny Loonie that not a lot of people will use it. I keep using my credit card's tap to pay since it takes 4 seconds to get it out instead of a phone that requires an app to open, a security check and then the payment to process.
    02-24-2015 08:37 AM
  14. TechFreak1's Avatar
    Okay, lets put this into prospective this is simply tap + pay which can be utitlised by either embedding the secure element in the sim or phone or using software. Apple's method was to implement it into their latest phones whereas Microsoft opted to "partner" with carriers and go for the secure element-in-sim option. Hence why it has never taken off (they only had one partner in one country - Orange in France at launch) and furthermore the adoption in the US has been marred by the additional requirement of Softcard, whereas outside the US that middle element is not needed.

    If Microsoft had the banks, stores, visa etc on board at launch then this would be a different story.

    My guess is that since Softcard was a joint venture of AT&T, Verizon and T-mobile, Microsoft really didn't have a choice in the matter. If they did then they have themselves to blame for this predicament.

    Right now MS can brush this off if they remove the dependency off softcard and just go down the route like they did with outside the US for the interim period. Going forward, it would be interesting to see what Microsoft does; whether they start implement the secure element in future phones (personally I believe they should as it removes their dependency on Carriers) or figure out a better approach.
    RumoredNow likes this.
    02-24-2015 09:25 AM
  15. Jorge Holguin's Avatar
    Look the only reason I would like to see MPS on WP is to add another functionality. Knowing how the U.S media works they'll push this as if "you have it or you are nobody." We can't deny Apple and Google popularity and users will just go where they have the functionality even if they don't use it. It's better have it and don't use it that need it and don't have it - heard if this before? That's the sad truth. It doesn't kill me a little keep using the plastic, but security who ever does it better will win big.
    Last edited by Jorge Holguin; 02-24-2015 at 01:23 PM.
    02-24-2015 01:13 PM
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