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6 Considerations
When Launching
Near Field Communication
Services
6 Considerations when launching near field
communication services

A valuable insight into the key considerations that should
be acknowledged by issuers looking at launching near field
communication (NFC) based products.
1. 				 Scheme roll outs

          Roll outs are different to pilots – scalability and security
          are key. Fifty phones and one app in a coffee shop is a
          good test of customer experience but mass deployment
          requires real management of people, applications and
          tokens.

          Start simple and add applications, integrate additional
          partners and support more technologies over time.
2. 					 Choose the right TSM

           Not all TSMs are the same and different TSMs satisfy
           different needs:

           - Root TSMs manage the secure element (SE) in the 		
             phone.
           - Service provider (SP) TSMs manage applications.

           You may even wish to integrate over-the-air (OTA)
           application delivery and personalisation, so that as an
           issuer you won’t need an SP TSM.
3. 				 Cooperation

         Your company will need to co-operate with other
         stakeholders in the NFC ecosystem. Banks, mobile
         network operators and SPs are speaking with each other
         for the first time.

         Your company will still issue an application but one
         of the other players may issue the token, device or
         phone. Furthermore, TSMs themselves will need to
         communicate. Therefore, each root will be connected to
         multiple service providers or their TSMs.
4. 				 Legacy systems

          Integration with existing processes and systems is
          essential. You’ll need to manage multiple applications
          and their keys in addition to integrating the new
          infrastructure with your existing card management.
          There will also be other issues to think about, such
          as whether mobile applications will require different
          risk parameters to existing EMV payment cards, for
          example.
5. 				 Keep your options open

          Don’t get locked in to a single provider. You may need
          to support SIM, SD card and embedded SEs, support
          multiple SIMs from multiple vendors and want to
          personalise NFC and plastic chip cards with different
          SPs. Sourcing your TSM solution or services from an
          independent vendor is a good way to maintain your
          flexibility. Don’t restrict your options, the marketplace is
          evolving at a rapid pace.
6.					 It’s a lands grab - get involved!

            Issuers will be able to attract new customers from
            partnerships with carriers/mobile network operators.
            Consumers will look for issuers, handset manufacturers
            and mobile network operators that can offer these
            solutions and bring their business with them. Gaining
            early market share is key to future success for service
            providers and issuers.
Martin Cox
                   Global Head of Sales




With over 20 years of expertise, Bell ID is considered the world’s leading provider of
lifecycle management solutions for tokens (e.g. smart cards, mobile NFC phones)
deployed in single and multi-application programmes.

www.bellid.com