A New Era in Mobile Commerce Free Essay

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A New Era in Mobile Commerce

With an overall fraud rate increase reaching 50% a year and soaring to billions of dollars worldwide in 2001, the card industry is hard-pressed to phase in secure payment solutions. At the forefront of these initiatives is the use of chip-enabled cards with, in particular, the adoption of the EMV standard promoted by Europay, MasterCard, and Visa. But EMV has made little progress since its inception in 1996. Chip-based systems have proven expensive to deploy and their actual effectiveness seriously criticized. According to APACS, the U.K card association, the conversion to chip-enabled cards will cost over $1.6 billion for the U.K alone. And the problem is even worse when it comes to adopting chip-based solutions for securing onlin

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