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Mobile And Alternative Payments In The U.S., 3rd Edition

Dynamic authentication

 

Password-protect phone and payment app

 

Facial recognition

 

 

Am I protected? It depends on the funding

 

If protection level is not tied to phone, then what's the problem?

 

Security in the Cloud

Pros

 

Cons

 

Reducing fraud

 

 

Google Wallet vulnerability: fire flared up, then put out

 

Reaching the unbanked

 

Mobile phones can help them connect more deeply to financial services

 

It's more a question of data plan and internet usage, not access

Table 3-6: All Consumers vs. Unbanked Consumers: Cell Phone Usage, Cell Phone Text Messaging, Web Browsing, Data Plan, App and Operating System Usage/Population, Tablet

 

Ownership/Population, and Online Banking Usage/Population, 2012

 

 

And the underbanked

Convenience a mobile banking driver

 

 

 

Chapter 4: Mobile Phone Usage Trends

 

Summary analysis

 

Mobile phone ownership nears saturation point

Graph 4-1: Mobile Phone Ownership and Ownership Penetration, 2004-2012

 

 

Increasing variety of features making their way onto mobile phones

 

Texting usage nears 60%

 

Camera/picture phone use bodes well for remote check deposit

Table 4-1: Mobile Phone Features and Services Penetration, 2007-2012

 

 

Feature engagement

Downloading apps, GPS and camcorder phone engagement above 50%

 

Graph 4-2: Mobile Phone Feature Usage and Engagement: By Feature, 2012

 

 

Data plans attached to a third of mobile phones

Graph 4-3: Share of Mobile Phone Owners with Limited and Unlimited Voice, Data and Text Plans, 2012

 

 

Mobile phone usage and smartphone usage share

 

Smartphone share passes 50%

Youth, higher income consumers and racial/ethnic minorities lead the way

 

Table 4-2: Consumer Mobile Phone Ownership, Smartphone Ownership and Ownership Share, 2012

 

 

Smartphone users vs. non-smartphone users: feature usage, bill and downloads

Texting carries across smartphones and non-smartphones

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