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Why Distinctions Within Mobile Wallets and Tokenization Matter
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Book Chapter
Why Distinctions Within Mobile Wallets and Tokenization Matter
2019
Overview
To comprehend the basic differences in wallet technologies, first to be discussed is secure element (SE) tokenization. Host‐card emulation (HCE) is the core basis for most wallets outside of the Apple ecosystem. The onboarding process with issuers may be similar to what is done with SE wallets, but the overall security and NFC functionality behaves differently in the background. HCE was created to remove the dependency on SE hardware mainly due to the politics of mobile network operator fragmentation. HCE requires downloading of tokens, which could be very problematic when in low Internet connectivity areas or travelling abroad. While the differences between HCE and SE tokenization seem finite, there are some viewpoints to consider from a payment perspective. Wallets always need to be accessible when users need them most, and while network tokenization has offered a strong security aspect, there are more improvements needed in wallet infrastructure to transition into a stronger adoption growth phase.
Publisher
John Wiley & Sons, Inc
Subject
ISBN
9781119551911, 1119551919
