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The Long Leap to Clear Mobile Payment Hurdles

That intertwining of businesses is augmented by the near-monopolies major wireless carriers in Japan and South Korea have. "NTT DoCoMo owns more than 80 percent of the Japanese market, so they can dictate requirements to phone manufacturers and dictate a single standard," Conrad Sheehan, CEO and founder of mPayy, told TechNewsWorld. "In South Korea, which has three carriers, SK Telecom owns 50.5 percent of the market."

Teaching Mature Markets New M-Commerce Tricks

How is it these countries went ahead with m-commerce and m-payment systems a decade ago, whereas the U.S. is still limping toward those goals? "Japan is structured very differently from the U.S., with a single dominant carrier, NTT," Conrad Sheehan, founder and CEO of mobile payments specialist mPayy, told the E-Commerce Times. "Developing nations, on the other hand, have the key advantage of having little to no legacy infrastructure, be it wireline phones, robust ubiquitous ATM networks; or POS terminals." Sheehan should know -- he was a senior vice president at JP Morgan Chase, where he headed its consumer payments business.


Making Micro-Payment Models Work Online

Forecasts for the magnitude of online micro-payments can whet the appetite of any profit-minded businessperson. However, cracking that code is more complicated than one thinks. There is little question as to whether sub-US$5 products can be sold in mass volume, but the lynchpin to opening the floodgates of micro-payments may very well be payment method...

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