[Dave Birch] As is often discussed on this blog, there is a new ecosystem emerging around the combination of mobile and contactless technology. NFC is of limited use as a standalone: we need to be able to get applications into the phone and manage them when they’re there. There are a number of suppliers and service providers looking to support this over-the-air (OTA) market, and one of them is Vivotech. Peter Comben in this Business Development Director for Vivotech in the EMEA region. In this podcast, he talks about how he see the contactless payment market evolving and then how new proposition mights come together in the mobile Trusted Service Manager (TSM) space, where service providers use the OTA platform to intermediate banks and other organisations to mobile operators.