Un tres bon article sur netbanker
Apple Just Put a Mobile Wallet In 100+ Million iPhones: But Is This Passbook the Friend or Foe of Banks?
By Jim Bruene on June 12, 2012
If it wasn't obvious already, Apple is becoming the operating system of your life. And since money touches much of what we do, it's no surprise that the company is moving into the payments side.
Actually, Apple is already there. The most valuable company on the planet is already the biggest payments issuer, with 400 million payment-enable iTunes accounts.
Now, when iOS6 becomes available this fall, Apple will be the biggest mobile wallet provider as well, when 100+ million iPhones automatically getting one with the new OS upgrade.
The new baked-in wallet app is called Passbook, I presume because iWallet was taken, or Apple is saving it for something even bigger.
But regardless of the name, Passbook has broad implications in payments and commerce in general. One look at the UI (inset) shows what banks are up against. An app loaded with store cards! Just what a gazillion big-spending early adopters have been hoping for (congrats to Target and Starbucks for leading the way again).
The main reason iWallet Passbook is such a big deal, besides the Apple halo effect, is that it automatically opens your "virtual card" when you walk in the store. Yes, you read it correctly. Automatically. Opening. Mobile. Payment card.
For example, when you walk into Starbucks its virtual store card, rendered in 2D bar code, will be triggered on your phone. You just swipe the lock-screen notification, enter a PIN (if necessary), scan your phone at the POS, drink your coffee and enjoy the perks (see below).
Is the POS experience dramatically better than using your Visa/MasterCard plastic? Not really during those 15 seconds of your life, but it's not worse either. Shaving 2 seconds off transaction time is not what this is about. It's the retailer value-adds that make it a huge winner.
Smart merchants will tack loyalty points/rewards/amenities (how about a free shot of vanilla in that latte?) on to Passbook-enabled purchases and you will soon be conditioned to pay with your phone. Really, just having your receipt stored safely away in the Passbook app could make the difference between using the store card vs. MC/Visa.
Because Apple wants to be platform, not a bank, they are making the tools available to developers to create apps that play nice with Passbook along with all the other iPhone utilities. So I see this as bank/issuer friendly, so far anyway, though not everyone will benefit.
While this is only speculation, I see a couple things likely to happen:
la suite sur netbanker: http://www.netbanker.com/2012/06/apple_just_put_a_mobile_wallet_in_100_million_iphones_but_is_passbook_banks_friend_or_foe.html
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