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TheMobileBuzz

OEM-Pay gains ground Samsung Pay 3 2016 2017
2015
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Android Pay 2 12 24
uniper Research Ltd. projected the number of consumers using OEM-
Pay – the moniker used to describe mobile payments delivered by Based on Juniper's projected num-
original equipment manufacturers, such as Apple Inc. and Samsung bers, Apple Pay will take a command-
J Corp. – will for the first time exceed 100 million by midyear and ing lead in user base, but alternative
surpass 150 million by the end of 2017. Juniper estimates total combined con- wallet options will also fare well as
tactless payment user market share for Apple Pay, Samsung Pay and Google’s each establishes a position among
Android Pay reached 41 percent in 2016, up from 20 percent the year before. consumers.To offer some perspective,
It projected future contacless payment market share for this dominant OEM payment services delivered through
trio will hit 56 percent by 2021, when the total user base could top 500 million. Apple, Samsung and Google expand-
ed significantly in 2016, reaching 13,
"We believe that as contactless usage gains traction and consumers/merchants 12 and 9 global markets apiece, re-
recognize the speed and convenience it offers, then, as in European markets, spectively, and an active user base
there will be a further and significant increase in availability at the point of nearing 74 million worldwide. Ju-
sale," stated Juniper researcher Nitin Bhas. According to Apple, the proportion niper said it believes the real chal-
of U.S. retailers supporting Apple Pay rose from 4 percent directly after its lenge facing Apple and its rivals will
2014 rollout to 35 percent in late 2016. For comparison, following are Juniper's be to ensure the infrastructure is in
estimates on how the major three are stacking up in terms of number of users place for consumers to make in-store
over the three years spanning from 2015 through 2017, to date. payments on a broader scale than is
available today.
Number of Apple Pay, Samsung Pay and Android Pay contactless users
(millions) HCE, loyalty, charity benefits
2015 2016 2017
Apple Pay 15 45 86 On the commercial side of payments,
Juniper analysts found 2015 and 2016
to be watershed years for host card
emulation (HCE), which is designed
Let Be Your EMV Expert! to enable safe contactlass payments.
With HCE, payment credentials are
stored in a secure shared repository
Your EMV Eco-System Made Affordable! rather than on the device itself. Re-

eProcessing Network has the secure, payment solutions to help you stay current with the searchers estimated that at least 194
technologies that keep your merchants connected. And with real-time EMV capabilities, banks had rolled out HCE-based ser-
retailers can not only process contact and contactless payments, Apple Pay and Android Pay, vices through the end of 20l6. Other
they’re able to manage their inventory as well as balance their books via QuickBooks Online. beneficiaries of contacless payments
include loyalty and charitable orga-
nization programs. "Juniper expects
PayPal, already near ubiquitous in
the online space, to rapidly deploy a
portfolio of contactless payment and
is EMV-Certified loyalty solutions that will allow it to
compete effectively for market share,"
analysts noted.

Juniper anticipates such markets as
the United Kingdom to drive contact-
less payments in the charity sector.
"In the UK and Ireland, for example,
Visa is working with organizations
to trial charity donation boxes fit-
ted with contactless readers," Juniper
wrote. "According to Barclaycard, 11
charities began a four-month trial
in September 2016 using 100 of the
contactless boxes." The initial results
1(800) 296-4810 were impressive; donations more
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