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<p><!-- Make sure you modify the 4Cast title in this section -->
<span style="font-size: 20px; font-weight: bold;
color: rgb(0, 0, 0); font-family: arial;
line-height: 110%;">OPLIN 4Cast #279: Mobile
money</span><br>
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<span style="font-size: 11px; font-weight: normal;
color: rgb(102, 102, 102); font-style: italic;
font-family: arial;">April 25th, 2012</span></p>
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<p style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://www.oplin.org/4cast/wp-content/uploads/2012/04/mobile-payments-sm.png"><img
class="alignleft wp-image-2684"
title="smartphone with money"
src="cid:part2.05040305.04030302@oplin.org"
alt="" height="94" width="86"></a>It's been
more than a year since we took a <a
href="http://www.oplin.org/4cast/index.php/?p=1627">look</a>
at the technologies behind making payments (such
as library fines?) from mobile phones. Meanwhile,
Near Field Communication (NFC), one of the
technologies we described, is becoming a standard
feature of many new smartphones, and mobile
payments look like they're poised to become very
common. The Pew Internet & American Life
Project just released a report on <a
href="http://pewinternet.org/Reports/2012/Future-of-Money/Overview.aspx">The
Future of Money in a Mobile Age</a>, which has
prompted a spate of recent articles and varying
opinions about mobile payments.
</p>
<div> </div>
<ul style="text-align: left;">
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://www.readwriteweb.com/archives/examining_the_future_of_mobile_money_part_1.php">What
is the future of mobile money?</a>
(ReadWriteWeb/Dan Rowinski) "...real, noticeable
change of user behavior is between two and three
years away. That is the time it will take to
separate all of the options that are emerging
for mobile payments and determine which dominant
systems will emerge."</li>
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://www.pcworld.com/businesscenter/article/253938/paying_with_smartphones_to_outpace_credit_cards_by_2020_experts_say.html">Paying
with smartphones to outpace credit cards by
2020, experts say</a> (IDG News/Cameron Scott)
"But there's little doubt, according to Chris
Silva, an analyst with Altimeter Group, that
'NFC is going to play a much more prominent
role, a major role in m-commerce,' or mobile
commerce. Google Wallet already employs NFC
technology."</li>
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://allthingsd.com/20120417/mobile-payments-wont-replace-cash-or-credit-for-another-decade/">Mobile
payments won't replace cash or credit for
another decade</a> (AllThingsD/Tricia Duryee)
"It's unclear whether the 2020 date is
optimistic or seems too far out given that so
many companies are investing aggressively today.
PayPal and Google are the two most notable
technology companies going after the
opportunity, but so are the incumbents,
including Visa, MasterCard and American
Express."</li>
<li style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;"><a
href="http://mashable.com/2012/04/17/mobile-payments-2020/">Mobile
payments may replace cash, credit cards by
2020</a> (Mashable/Samantha Murphy) "'The 2020
date might be a bit optimistic, but I'm sure
that this will happen,' said study participant
Hal Varian, chief economist at Google. 'What is
in your wallet now? Identification, payment and
personal items. All this will easily fit in your
mobile device and will inevitably do so.'"</li>
</ul>
<div style="text-align: left;"> </div>
<p style="text-align: left; font-size: 20px;
font-family: arial; line-height: 110%;"><small><strong><em>Contrary
fact:</em></strong></small><br>
</p>
<div style="text-align: justify; font-size: 16px;
font-family: arial; line-height: 110%;">Don't
switch your circulation desk to all mobile
payments just yet. Another <a
href="http://pewinternet.org/Reports/2012/Digital-differences.aspx">Pew
study</a> released just a few days ahead of the
mobile money survey found that since 2005, the
percentage of U.S. adults who do not use the
Internet has stayed stable at about 20-25%.
They'll probably be paying their fines in cash.
</div>
<div style="text-align: left;"> </div>
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