Wandering around #MWC15 in Barcelona this year I got involved in a bunch of conversations about Apple Pay, Loop, NFC and so on. But I thought that focus on the physical, in-store interface, could be diverting people away from the central strategic shift to in-app payments.
HCE and BLE are going to make Barcelona fun this year, and they are opening up an important new role for mobile operators.
As the recent Apple patent application shows, NFC and BLE are not rivals, but a potentially powerful combination of interfaces that might transform retail payments.
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