http://www.simplyintouch.co.uk/index.php/site/index/ en victoria@proxama.com Copyright 2010 2010-02-12T19:49:56+00:00 http://www.simplyintouch.co.uk/index.php/site/nfc_helping_mobile_phone_crime/ http://www.simplyintouch.co.uk/index.php/site/nfc_helping_mobile_phone_crime/#When:19:49:56Z We’re really pleased to announce the completion of our Design Council project, which was part of the Mobile Phone Security Challenge. Our NFC payment solution will be showcased at Mobile World Congress in Barcelona from 15th February. Come and see it on the UK Dti stand. If you can’t get to MWC, there’s an animation on vimeo and some images on flickr and you can read the full press release from the Design Council here. If you want to know more – drop us an email hello@proxama.com and we’ll get in touch. We'll be posting more about the project in the next few days and will share some of the benefits gained from testing on teenagers  - which provided important input to the design process. 2010-02-12T19:49:56+00:00 http://www.simplyintouch.co.uk/index.php/site/nfc_-_a_future_mobile_hero/ http://www.simplyintouch.co.uk/index.php/site/nfc_-_a_future_mobile_hero/#When:09:29:51Z I was one of many who seriously enjoyed Heroes of the Mobile Screen earlier this week. Staged predominantly by the Mobile Monday team, it was a great event and the BFI Southbank was the perfect venue choice; it put me in a frame of mind to be entertained, challenged and informed and that’s exactly what was in store.Naturally I was there with my Near Field Communication glasses on and was delighted that the day kicked off with a keynote from Kei Shimada of Infinita and included a quick look at how NFC is progressing in Japan. Anyone close to NFC will tell you that Japan, while interesting, doesn’t really have many practically useful lessons for other nations. Primarily, this is because of the relationship between the handset manufacturers and the mobile network operators. Dubbing them “ benevolent dictators”,  Kei Shimada described how the operators control the handset manufacturers with their un-walled gardens, preventing device fragmentation. On top of this, the operators paid nothing for their 3G spectrum licenses, so there’s a lot more spare cash to be spent on innovation. Specifically in terms of NFC, NTT DoCoMo embraced the technology in order to enter the financial services market. With around 60% market share at the time, they rolled out handsets with a payment application and financed the acceptance infrastructure too. Kei confirmed that 73% of handsets are NFC enabled but my heart sank when he followed this with the usage figure - just 18%. I spoke to Kei about this afterwards (another great thing about the day – the mobile heroes hung around and were very approachable) and was relieved to hear that he expects usage to more than double in the next year. He believes that the reason for the sluggish take up is that Japan has relatively low card usage and a preference for cash. But the popularity and success of NdFC for coupons and vouchers - there are 4 million active users - has certainly started to change payment habits too.NFC got another mention later on when Terence Eden asked the mobile marketing panel how successful QR codes were, what future they had and whether they would be superseded by NFC. Citing a negligible response rate (something like 0.0001) in the UK earlier this year, George Nimeh of iris Digital brushed over Pepsi’s campaign, laughing that it was way more than NFC had achieved. And of course he’s right. But given the steady increase in handset availability and viable NFC accelerators such as the iCarte for the iPhone, I’m quietly confident that he’ll be giving a different answer before too long.Then there was one final connection with mobile payment (and a mental link to NFC for me) in the excellent teenage dragons panel, where a handful of vendors pitched their mobile applications to 6 teenagers. The ideas pitched included voting, community photo sharing, music and mobile payment. Somehow the new mobile payment solution lost the value of “mobility” and was pitched as being available to use alongside other payment options – integrated in Facebook for example. One of the panel stated “I don’t think I’d want something more because I could pay for it with my mobile” and with humorous insight added “I wouldn’t see it and go  - Oh,  I feel like paying slightly differently today.”  I was left feeling somewhat relieved that working with teenagers and testing product and design ideas on them during the development process is a major part of the work we are doing on the Design Council NFC payment project. Hopefully we won’t end up with a product that leaves a group of articulate teens saying they “can’t see the point”. It was a truly excellent day and I recommend dipping into the detailed write up, blogged live by Mobile Entertainment with Twitter sound bites here. I hope there will be more days like these and if there are, I hope we’ll be able to count NFC among the heroes before too long. 2009-12-11T09:29:51+00:00 http://www.simplyintouch.co.uk/index.php/site/mobile_authentication/ http://www.simplyintouch.co.uk/index.php/site/mobile_authentication/#When:11:14:59Z Authentication for remote banking and online payments is becoming an increasingly hot topic within the finance sector. Banks are looking to decrease customer reliance on branches by improving the experience of internet, mobile and telephone banking, however fraud is becoming ever more sophisticated and targeted. This article explores how mobile is being seen as key to the future our personal banking security.    The last 12-18 months project work has shown that there is growing interest in mobile from the banking sector, not only as a channel for banking and payments, but also as an authentication device.  Most banks now have at least three remote banking services; internet, mobile (e.g. Mobile Money) and telephony. Fuelled by the economic downturn, there is a high level strategic drive to make these more user friendly and secure, to drive down customer reliance on bank branches and human interaction.  E-banking is by far the most widely used of these, and is constantly under threat from fraudsters dreaming up ever more sophisticated attacks. One in particular, the so-called Man-in-the-Browser attack, involves a Trojan installed within the browser code – undetectable by anti-virus or spyware scanners – which records your credentials as you type them in, and can display back false information. For example, if you try to set up a new payee online, you may be asked for a special password, or to input an authentication token from your CAP reader; the Trojan can capture the token and your credentials, allowing the fraudsters to set up a fraudulent payee at a later date.   One way to combat this type of fraud is Out-of-Band Authentication; the customer is required to authenticate themselves over a different channel (or band) to the one they are using for access. For example, to complete the set up of a new payee on your pc, you may be asked to text a partial password from your registered mobile handset, to complete the transaction. Although there remains a risk that both your handset and laptop are compromised, the probability of your mobile being seized by the same fraudsters who hijacked your browser, is low. Also, handset theft is usually discovered and dealt with quickly, unlike an infected browser.  The mobile can also host more secure authentication applications on the SIM or MicroSD card, where the customer enters a PIN code to generate a token, much like the CAP readers that many banks have in circulation currently. SIM-based solutions require operator buy-in, and are therefore limited to customers from a particular operator that the bank has partnered with. MicroSD solutions enable the bank to issue applications on a branded memory card, and control the experience independently of the operator. This approach also avoids the potentially cumbersome download and installation process associated with  Java applications.  As mobile phones get smarter however, they are capable of accessing all remote banking services; browser based e-banking, m-banking, and of course telephony. New vulnerabilities will inevitably emerge in mobile browsers, but out-of-band solutions will be impractical if not impossible. NFC is a key enabler in the mobile payments and authentication space, allowing interaction between cards and phones. A swift tap of your debit card to your handset, followed by PIN entry, can prove to your bank that you are who you say you are, and your registered card and phone are in use. This can be strengthened to three-factor authentication with the addition of voice identification; a feature that is gaining traction in smart-phones, now forming the main focus of Apple’s iPhone 3GS adverts.  Whilst our phones can (and will) do all these wonderful things and more, there is still unease among the banking community about the insecurity of the handset as a whole. Typically, keystrokes on your mobile go through anything up to 7 API’s, which could be intercepted by malicious software relatively easily. In other words, it’s not a certified banking PIN pad, which could impede roll out. Although, adding a few extra digits to the PIN and renaming it to “pass-code” might just be ok. It remains to be seen who will take the first cautious steps into this business, and when.   2009-08-28T11:14:59+00:00 http://www.simplyintouch.co.uk/index.php/site/the_role_of_standards_in_nfc/ http://www.simplyintouch.co.uk/index.php/site/the_role_of_standards_in_nfc/#When:09:22:07Z How many standards bodies does it take to lay solid foundations for a new technology? In the process of researching content for a paper on Near Field Communication (NFC) – specifically, the role of Trusted Services Managers (TSMs) – for the Smart Mobility conference, I’ve been side tracked a little by this important issue.Standards and technology go hand in hand. As the recently retired Chairman of the Board of Intel Corporation, Dr Craig R. Barrett succinctly stated: "When we were all nation states, independent of each other, with our own borders and internal rules and regulations, each nation could have its own technology standards. But the world is getting smaller on a daily basis. By smaller, I mean that hardware, software and content move, and they move independent of, and irrespective of, international boundaries. As that trend continues, the need to have commonality and interoperability between devices grows." This couldn’t be truer for NFC.  So while I was discussing the adoption of this technology with Andras Vilmos of StoLPan – a pan-European consortium supported by the European Commission's IST program – I was interested when he told me that a lack of standards has played a role in slowing down the adoption of NFC in Europe and that a specific goal for StoLPan is to help close the gap in the current specifications. I found it interesting because I am aware of several initiatives that have NFC and interoperability as their goal. Not least the AFSCM - a French association for contactless mobile that recently announced that it  "has published its specifications to facilitate the quick launch of mobile contactless services and enable the development of interoperable mobile contactless products and services". It is specifically French – which would disappoint Barrett. As would a similar UK initiative, which doesn’t have the formal public profile that the AFSCM has, but is an organised group of companies setting some specific ground rules – for national adoption. Then of course there’s the NFC Forum itself, with targeted working groups that cover everything from technical specifications to brand marks and acceptance logos. Andras said that "the Forum should play an important role, however competitive issues may slow progress". And I can’t help but agree with him. After 15 years (mainly on the supplier side) in the cards world, I find it hard to believe that organisations that compete fiercely with one another, vying to have their technology adopted as the de facto standard while filing patents,  will openly share approaches and ideas. Andras believes that this challenge will only be overcome when stakeholders realise that without real interoperability NFC will not be able not support large scale commercial services. Serendipitously the NFC Forum announced the formation of a new working group earlier this week – the Ecosystem Development Working Group to "develop and foster the NFC community". It followed this yesterday with an announcement of a new Implementer membership level, for organisations developing NFC based solutions.  This new group "complements existing NFC Forum membership levels that are primarily targeted at technical specification development".  This statement turned my interest to confusion; existing national and pan European initiatives, comprised largely of implementers and service providers are focussed specifically on developing specifications. While I’m sure it’s true that there’s a slight difference in focus – the NFC Forum is looking at core infrastructure and the other groups have applications front of mind – there is most definitely a cross over that will need to be resolved one way or another. Near Field Communication 2009-08-07T09:22:07+00:00 http://www.simplyintouch.co.uk/index.php/site/chrome_os/ http://www.simplyintouch.co.uk/index.php/site/chrome_os/#When:08:48:18Z Thought I’d go a bit off-topic with this post in light of the news that Google is releasing an operating system, which I thought was a fairly predictable move.  Victoria has pointed me at a funny article with some criticism of the move:http://fakesteve.blogspot.com/2009/07/lets-all-take-deep-breath-and-get-some.htmlAnd I basically wanted to take it apart, because I think it’s wrong in so many places!Writing an operating system is hard, of course I agree Windows has taken years to refine, and Linux sucks for end-users when it comes down to it.  However anyone who knows large-scale software development knows that software decay is inevitable, and as a project gets larger the tasks become more difficult (The Mythical Man Month anyone?), I believe a fresh modern approach to the problem may be surprisingly productive.  There’s a similar parallel with mobile phone operating systems (also huge, complex and under-estimated) – iPhone to Symbian.  I imagine though that this is exactly why netbooks are being targeted first: They’re slow.   It’s easier to up-scale than down-scale, if the target of “quick” is met on netbooks, it will only run quicker on a desktop. Hardware is new and supported.  The big fall-point from Linux is lack of proper hardware support, I shouldn’t think Google will have too much problem getting cooperation from these limited hardware manufacturers. They’re positioned well with the Google “always connected” mentality.  I don’t think many people can deny it’s changed how the internet is used, cloud computing and all that. It’s an excellent stepping stone to target initially.  Microsoft may not lose profit if they’ve lost the netbook market, but they may be threatened because Google can now easily attack the desktop. Google has always pushed a “loads of experimental projects, kill them if they don’t work” mentality – that’s why they’re so innovative with things like gmail and google-docs.  So plenty of platforms helps this environment and I don’t agree there is overlap internally at Google.  I would only say what I’ve always said – Android on netbooks is a waste of time, it’s designed for phones & the architecture reflects that – maybe try more than one average handset first.  Further the key difference between Android and Chrome OS will be the presence of a GSM stack, there isn’t really any functional overlap.So I think Chrome OS will be successful, I think the plan is solid and Google will drive it to work.  Long-term I think there are security and privacy issues with cloud-computing, that may cause a privacy backlash in future.  There were some early signs of this with documents hacked then leaked from Twitter this week. Also as Google anticipates providing the backend services for Chrome OS (gmail, chat, docs, calendar), the effect and damage of downtime will be exacerbated. Google can't be naive about the responsibility they're taking on by producing this “connected” OS.  Plus finally there’s research to suggest that high-bandwidth applications are pushing the limits of internet infrastructure, and that will cause reliability issues in future.  Oh and Chrome getting 1.5% market in less than 1 year, occupied by users who couldn’t tell you what a browser is – less than 8%.  I think that’s pretty good. 2009-07-15T08:48:18+00:00 http://www.simplyintouch.co.uk/index.php/site/high_risk_authentication/ http://www.simplyintouch.co.uk/index.php/site/high_risk_authentication/#When:15:35:02Z High risk authentication (banking, VPN), has always demanded separate hardware dedicated to authenticating users.  There’s good reason for having this additional security layer. Called two-factor authentication, the logic is simple - if one device is compromised, overall security isn’t breached.  Two common examples are: Card + reader.  Your bank issues you with a card reader, which you use in conjunction with your bank card Multi-purpose token generators Unsurprisingly, with mobile phone subscriptions now outstripping the number of TV, personal PC and credit card owners, there’s strong interest in using them for authentication.It’s not just their popularity that makes mobile phones interesting here.  SIM cards can run secure applications, capable of generating the same data as the card-reader and token generators.  As is often the case, the challenges are of the business kind - not technical.  The card is locked down and operators are on the whole un-willing to open the SIM card to third-parties.  The most obvious alternatives are either not secure (Java applications can be decompiled easily), unreliable (SMS gets lost and can take a long time) or cumbersome (typing lots of data on a handset is prone to error).Fortunately though, there are some more recent and less obvious developments which could put the mobile phone back in the authentication picture again: Applications on the iPhone cannot be decompiled easily; any algorithm to generate tokens is much harder to reproduce. What’s emerging as the preferred model for NFC sees the SIM card opening up for third party applications.  With banks already in partnership with NWOs to load payment applications, they could simply add authentication tools. Companies like ARM have recognised this need with TrustZone. It goes further than existing secure elements (like SIMs) in that a mobile-handset can be certified as a PIN-entry device.  It can set up a secure channel to the phones handset and screen, temporarily transforming it into a secure PIN-entry device.  Implementations are set to be delivered in handsets late 2009. As you’d expect, market leaders like Verisign have already launched an iPhone app with some success.  And we’re being asked about mobile authentication a lot more. The security challenge isn’t over though, if mobile authentication follows the same pattern as most security attacks, with breaches consistently outside of threat models.  Authentication presents some interesting challenges because every part of the system needs to be risk assessed. EMV, Identity solutions, Mobile, Mobile payments, Wallets 2009-07-06T15:35:02+00:00 http://www.simplyintouch.co.uk/index.php/site/safer_mobile_payments/ http://www.simplyintouch.co.uk/index.php/site/safer_mobile_payments/#When:10:47:37Z We don't ususally post project wins. But we're making an exception because this one has a very public profile and it really is about innovation - design innovation to be precise. We teamed up with Minima Design and have been selected to deliver part of the Mobile Phone Security Challenge set by the Design Council.Funded by the UK government, the Design Council was set up to "demonstrate that design can play a vital role in strengthening our economy and improving our society". There's loads of information on their website about current projects with great aims - such as reducing healthcare associated infections with better designed furniture. This particular challenge is part of the Design & Technology Alliance Against Crime which is "leading a programme of work to develop innovative design solutions to help prevent robbery, to crime-proof hot new gadgets and to embed public safety in the design of new public spaces". The challenge briefing notes set out the problem neatly. "Four billion people worldwide have mobile phones – twice as many as have credit cards – and 80% of us carry information on our handsets that could be used by criminals to commit fraud. 16% of us already keep our bank details on our phones." Anticipating the success of mobile payments "when credit on our phones will replace the cash in our wallets" the challenge is to mitigate risk by:— Making mobile phone handsets harder or less desirable to steal— Making the data stored on mobile phones harder or less desirable to steal— Making future m-commerce transactions secure and fraud proof. Of course it would be spoiling things to reveal what our plans are at this stage. Look out for some prototypes of market-ready solutions early next year. Mobile payments 2009-07-01T10:47:37+00:00 http://www.simplyintouch.co.uk/index.php/site/momo_london_june_2009/ http://www.simplyintouch.co.uk/index.php/site/momo_london_june_2009/#When:10:51:54Z I had an excellent evening at Mobile Monday this week.  I was assigned the task of presenting my work for the past year – the Proxama NFC Wallet - in just 5 minutes.  Making a video proved to be a great way of getting lots of information across within the time-slot, still leaving me loads of time to talk!  A total of 15 people showcased demos but as we stuck within the same groups I only managed to see four other demos - all of which were very impressive! Full details on the MoMo site.There were plenty of interesting questions from each session.  The audience is technically literate, well versed in mobile and pretty good at asking awkward questions. So - I thought it might be interesting to post some of the questions raised. I hope my answers were clear enough on the day to those who asked.Recently I saw a demonstration which included peer-to-peer payments, why doesn’t your product include this? This particular demo shows what's possible using existing payment applications that are specified and certified by schemes such as Visa and MasterCard. And P2P payments are not part of the specification for these products - yet. The industry view - which we share - is that eventually P2P payments will be standard for NFC applications - but it's not there yet. It would be simple to add P2P payment to this demo  - and we have a conceptual demo that does this already - but it doesn't fall under the payment scheme application banner How would this application be issued to me? Our demo is made up of two bits of software - (1) the payment application (i.e your debit or credit card) which sits on the SIM and (2) the wallet - which is the user interface software that sits on the handset. There are 3 basic approaches to issuance: 1. Everything is pre-personalised by the operator. Your payment card details are on the SIM and the wallet is on the handset when you get your phone. 2. OTA personalisation. First you load the wallet which lets you add your card applications onto the SIM 3. Phone docking. There's been a lot of talk recently about PC based updating - encouraged by the iPhone model. Why haven’t we seen this technology already, it exists in Japan today! The Japanese model was made simple because NTT DoCoMo was the dominant player and had more than 50% market share. They subsidised the new handsets and rolled out NFC. The situation in Europer is more complex, with a more fragmented market. What handsets does the Wallet operate on today, what handsets will it work on in future? At the moment there are a couple of handsets the Wallet runs on, the Nokia 6131 and Nokia 6212, these are the two main NFC enabled handsets in production.  In future we know that Nokia have another handset due for Q3 2009 – the 6216, this handset is key because it has the secure element as part of the SIM card, which is what Operators want because they own the SIM space.  We also know that LG and Samsung are releasing handsets due this year, which both also contain UICC based secure elements.   I expected a lot more questioning about the security – usually this is a point of concern whenever credit-cards and payment are mentioned.  I didn’t really get asked much on that, only once did I point out that it’s more secure than your physical wallet.Big thanks to Daniel Appelquist (twitter @torgo), Helen Keegan (twitter @technokitten) and Alex Craxton (twitter @AlexCraxton) for organising.  You run a very tight ship! Mobile, Mobile payments, Near Field Communication, PayPass, Wallets 2009-06-19T10:51:54+00:00 http://www.simplyintouch.co.uk/index.php/site/n_is_for_nfc._the_n_mark/ http://www.simplyintouch.co.uk/index.php/site/n_is_for_nfc._the_n_mark/#When:11:29:24Z The NFC forum unveiled its logo last week. I'm a big fan of NFC and I really don't want to knock the N mark. I am sure it will grow on me. The sticking point for me is that the logo - cleverly incorporating the letters NFC - promotes a technology I thought it was generally agreed that this is not the way to go – and I do think there's good reason for this. Would we all have been clamouring for frequency-hopping spread spectrum headsets if we'd been trying to remember to ask for F-HSS rather than Bluetooth? Tenth century King Harald Blátönn (trans: Bluetooth) of Denmark was a well chosen namesake – he united warring Scandinavian tribes (i.e communication protocols) into a single kingdom. The logo itself sticks with this theme and is a combination of two "letters" from the runic alphabet, chosen for their visual appeal rather than inherent meaning. Bluetooth sounds cool and it has a neat back story. Again on the mobile side, one of the reasons often cited for WAP’s failure was that the mobile industry tried to market a technology, rather than focussing on how it could deliver value-added services to the phone. The story goes that the developers working on the wireless Application Protocol standards were horrified when they saw WAP appear in marketing literature. On a more positive note, it’s not a million miles away from the Bluetooth logo... ... and on the face of it, this could be a good thing, promoting awareness of mobile interaction more generally. As the two technologies work quite differently, this could cause some confusion however. How do I know whether to touch my phone to the poster or hit the Bluetooth switch on my phone? The current NFC guidelines do not include instructions for adding directive words like "Tap here" but you can see why it might be a good idea. I asked our design specialist in the office, Ross Harvey, to help me out - to think purely about the design elements and he said that it ticks all the boxes. "As a logo, it's great - a contrast of smooth curves and hard angles that suggests movement and connectivity." He agreed that there's nothing that invites you to interact with it though – which is the whole point of NFC - isn't it? So I can't help feeling that NFC hasn't been given the best start in life. I'd like to think that someone in the NFC forum considered promoting "Forkbeard" before discarding it as ridiculous, despite offering the great back story that Forkbeard - son of Bluetooth (aka Sweyn I of Denmark) - forcibly deposed his father and having founded Swansea finally became the King of England. My feelings aside – this is what it looks like on a smart poster... ... and here's where you can down load the N mark with a simple click through license. Usage guidelines are here. Near Field Communication 2009-06-09T11:29:24+00:00 http://www.simplyintouch.co.uk/index.php/site/groundhog_day_at_nfc_world_forum_europe/ http://www.simplyintouch.co.uk/index.php/site/groundhog_day_at_nfc_world_forum_europe/#When:08:39:40Z I was at the second day of the Near Field Communications World Europe conference last week and thought it was worth capturing some of the discussion. Because despite several humorous references to Groundhog Day, there were a few interesting points that came out of the presentations and banter, proving that it's not quite same old same old and that progress has been made.There are no real barriers Facilitated and cajoled by Dave Birch, a panel of experts (Dominic Peachey - FSA, Saadi Hussain - BT Global Services, David Brendl - Telefonica O2 Czech Republic) agreed that in Europe at least,  there are no regulatory, structural or operational barriers preventing the roll out of NFC services. The age old culture clash between network operators and banks was discussed but most agreed that commercial collaboration and the establishment of common goals is possible. This we probably all knew anyway, but what was interesting was that Dominic Peachy said that although there are no regulatory barriers, the FSA has no objectives for driving payment innovation. I was left thinking that if there were such objectives in place, then NFC would be higher up on the financial services agenda. Shouldn't payment innovation, with the potential savings that it brings, be something of a priority for all countries? What's in it for the banks? Whereas network operators can see the benefits of offering new services to their customers, which can help to reduce churn, it was widely agreed that churn isn't really an issue for banks. It seems that it's just too much hassle for us to change our bank accounts. So - it has to be about something else. Telefonica O2, based on a project they ran in the Czech Republic, proposed 3 benefits for banks transaction uplift, fraud reduction and improved CRM. Interestingly, giving anecdotal evidence from the same project, David Brendl mentioned the importance of balance check functionality for mobile NFC applications. People would rather draw cash from an ATM than pay with a card or phone and risk the embarrassment of not having sufficient funds in their account. It's about cash replacement The ideal environment for NFC to flourish is one with few ATMs  - which is why Citibank is focusing on India for its next big project. The poor results of the contactless payment initiative in London (cited a "marketing disaster" by Vivotech's Mick Mullagh) was used to illustrate another requirement for success - you need a tight metro community with lots of acceptance terminals in place. Bringing a note of realism, StoLPaN's Andras Vilmos pointed out that retailers are likely to need some kind of financial incentive to get them on board, having just shelled out for chip and PIN in Europe. And where would the financial incentive come from? Singapore seems to have the lead here. They do see the benefits of payment innovation and the cost saving of taking cash out of the equation. Dave Birch, a consultant on this project stated that subsidising contactless and NFC is part of the Singapore government's cash replacement strategy. Really making it work Dion Lisle of Citibank Growth Ventures and Innovation made an interesting point about really making NFC happen - beyond trials. Referencing the success of Apple's App Store he pointed out the importance a "complete ecosystem". I read something recently about NFC and loyalty and how it could all work really well if we viewed mobile phone apps a bit more like ring tones and made them as easy to obtain and dispose of  - and I'm sure he's right. I left the conference feeling very hopeful for NFC, sure that there's an unstoppable momentum now and that next year we won't be talking about Groundhog Day. Mobile, Near Field Communication 2009-05-19T08:39:40+00:00