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#appandpay vs. #tapandpay
Dave Birch
Global Ambassador,
Consult Hyperion
Mobile World Congress
Barcelona, March 2015
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Why in-app payments will be an industry focus in the coming year

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Consult Hyperion
Practical and independent expertise

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Mobile payments are old news
So what’s new?
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But the environment has changed
ApplePay legitimised the entire sector
■ Mindshare not marketshare
US EMV migration began
■ Now contactless makes sense
Proximity and vicinity interfaces
• HCE and BLE are friends
Tokenisation
Google, Samsung…
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So our “live five” trends for 2015
Consult Hyperion’s “hot five”
■ In-app payments
• “App and pay” not “tap and pay”
■ The three-party party
• Think global, act local
■ Privacy
• Part of the proposition
■ Blockchain
• The real revolution
■ IDIoT
• Identity for the Internet of Things
The next big battle
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Wait, we already have in-app, don’t we?
The payments are vanishing inside the apps (as I’ve said at MWC before)
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In-app payments
Right now, in-app payments are card-not-present in a silo
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Amazonisation (APIs and integration)
But now it’s about chip-and-PIN security baked in to apps
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Mobile + Anything = Mobile ( © Tomi!)
The real impact of Apple Pay will be in “app and pay” not “tap and pay”
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Retailers want in-app
It’s not just about payments, it’s about integration
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Tomorrow’s Transactions:
thought leadership from Consult Hyperion
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Thank You
Consult Hyperion has helped some of the world’s leading organisations to make the right
technical and commercial choices within and around smart, mobile, contactless
transactions, including retail payments, identity management and transit ticketing. We are a
trusted advisor adding product strategy, technical, regulatory, compliance and information
security expertise into project teams within organisations considering deploying innovative
new payment or identity services.
Wired listed David Birch of Consult Hyperion one of their global top 15 favourite sources
of finance and business information. He was ranked Europe’s most influential
commentator on emerging payments by Total Payments magazine. He is a NextBank
FinTech Titan and one of the European “Power 50” in digital financial services.
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