In the United States, the penetration rate of smartphones is increasing year by year. According to statistics from market research agency comScore, smartphones already account for 57% of the US mobile phone market. However, the development of mobile payment has not kept up-this is no longer an industry secret. Some experts blame this problem on technical bottlenecks or security issues. Some people think that the market is not ready. According to the forecast of research institute Javelin, the total amount paid through mobile devices will rise from US $ 398 million last year to US $ 5.4 billion in 2018. If this trend is inevitable, then the question we face will be: What can make consumers' payment behaviors so huge? The answer is: wearable technology (device).
In the United States, the penetration rate of mobile payments (such as payments with smartphones) is slowly increasing. Opponents of NFC (Near Field Communication, also known as Near Field Communication) claimed that the key to the development of mobile payments is the development of alternative technologies, such as enhanced Bluetooth low energy solutions. However, we do not need to replace NFC with another technology. NFC technology is already very good, and its security performance is incredible. Instead, we need a new NFC-enabled device to make mobile payments more meaningful—we need wearable devices.
Many people predict that Apple will integrate NFC technology into the iPhone 5, but the company has only launched a new version of Passbook. Everyone believes that Apple does not believe that the market is ready for the mobile payment era. However, it is also possible that Apple has realized that they are not going to replace NFC and do not need a better technology. Rather, the smartphone itself does not have the nature to promote mobile payment on a large scale.
On the other hand, wearable devices are a good solution. Whether Apple will launch their smart watch iWatch tomorrow or next year, I hope it can support payment technology. If it launches iWatch tomorrow, then the payment technology may be NFC; if it launches next year, then perhaps Apple has mastered enhanced low energy Bluetooth technology. But from the present point of view, the popularity of mobile payment has nothing to do with technology, but with equipment.
The era of wearables
Google (Weibo), Samsung, Apple, Microsoft and other technology leaders have plans to develop their own wearable devices. This is why many people call 2013 "the year of wearable computing." In fact, the research institute IMS predicts that the market size of wearable technology will exceed 6 billion US dollars in 2016.
However, in order to make mobile payment services truly popular among the general public, technology giants need to add other new features to these devices to cope with the larger market-making men, women and children happy to use mobile payments in stores.
In 2007, the first iPhone truly revolutionized consumer behavior. Today, if you walk on the street or stand in a crowded subway car, you will see people around you holding their mobile phones to send text messages, read books, watch videos, search and consume. It is like a versatile device, so many people rely on it deeply.
The reason why smart phones can have such a big impact is mainly because of their design, function and convenience. iPhone has an intuitive user interface, easy to use, easy to browse, and more addictive. In order for wearable devices to have a similar charm, we should expand their functions and services, not just make it a notification receiver.
NFC is a good choice
A wearable device that is worn on the wrist is a safe device by nature, and it is also a good assistant for your home travel. You ca n’t even live without it when you go out-it may eventually replace smartphones. However, in order to popularize this device to the mainstream, it needs to use a new technology to expand its functions, and can change people's consumer behavior like the iPhone.
Nowadays, NFC is the best choice. Its technology is mature. Not only can it enable your wrist-worn device to realize mobile payment functions, it can also become your bus card, industrial card, garage key, home door key, etc. This technology can transform smart watches from "children's toys" into devices accepted by the mainstream. Furthermore, it makes mobile payment more popular
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