Vantage Point Articles
  • Issue 7
    At the end of September, APSCA held the 5th Asian Payment Card Forum hosted in Bangkok by the Thai Bankers’ Association. One of the most important issues discussed was the recent introduction of tokenisation into the consumer payments business. This issue of Vantage Point looks at why tokenisation will change the consumer payments industry and the possible impact on the supply chain for secure silicon. more...
    Oct 31, 2014
  • Issue 6-B
    Another issue discussed in the above-mentioned meeting called by the Department of Electronics & Information Technology (DeitY) of the Government of India was the problem of “spurious/fake chips”. This is a recurring problem in India where some unscrupulous suppliers are shipping different products to those previously certified. Apparently some card manufacturers have been winning tenders with certified chips. more...
    Aug 8, 2014
  • Issue 6

    Last December in Phnom Penh, APSCA organised the 10th Government Forum on Electronic Identity1, hosted by the Ministry of Interior of the Royal Government of Cambodia. As usual the forum had some interesting presentations and discussions with contributions from both government agencies and leading industry suppliers.

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    Aug 6, 2014
  • Issue 5
    Since NFC technology was first launched in 2004, the first major obstacle to the development of NFC has been the dearth of NFC-capable devices. With shipments of NFC-capable mobile phones expected to exceed 400 million units1 or 500 million units2 in 2014 and 1.2 billion units1 in 2018, that first obstacle has been removed. There is general agreement that the focus is now on developing NFC applications and services that consumers want (while also driving consumer adoption). more...
    Mar 17, 2014
  • Issue 4
    In December I returned from Cambodia where APSCA organised the 10th Government Discussion Forum on Electronic Identity, which explored how government eID is evolving from 1st generation to 2nd generation schemes. A common characteristic of 2nd generation national eID card schemes is that governments are interested in enabling citizens to use their eID to identify and authenticate themselves in online transactions with both government and commercial service providers. more...
    December 31, 2013
  • Issue 3
    In the smart security industry we are always concerned with data. Organisations issuing smart cards and smart devices to consumers for payment and identity services need to ensure that data is stored securely in those devices. But the quantities of data that we are typically focused on securing in smart devices are relatively small. more...
    September 30, 2013
  • Issue 2
    In the first Vantage Point column we had fun looking at the business case for NFC mobile payments at the point-of-sale. Unfortunately, according to the 3 key criteria which we used, there didn't seem to be much of a business case for an existing payment card issuer to launch NFC mobile payments. Most of the banks that APSCA has met recently in China and Asia seem to have come to the same conclusion. But not all of them. more...
    June 28, 2013
  • Issue 1
    When the introduction of a new technology is successful, it’s often because the new technology enables significant improvements to existing business processes, thereby lowering costs. Sometimes a new technology becomes successful because it enables new revenue opportunities. If the new technology also provides significant convenience to customers then its take-up is usually rapid and further boosts the cost reductions and revenue opportunities which brought about the original introduction. more...
    March 29, 2013
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