This paper answers the questions being asked by payment card issuing banks considering a mobile payment strategy, allowing a sensible business strategy to be put in place. It analyses Visa and MasterCard HCE (Host Card Emulation) Payments against "the Pays", discusses the ecosystem (including Tokenisation and Cloud Based Payments), looks at where the mobile payment industry is going and the steps banks need take to ensure they gain from this emerging and fast changing market.
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