SEPA goes mobile

SEPA goes mobile

EPC enables SEPA payments across 32 countries via a cell phone

26 September 11

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and mobile network operators join forces

In June 2008, the and GSMA, the global trade association representing the Mobile Network Operator (MNO) community, launched a mutual project to support the further development of mobile banking services leveraging both the existing infrastructure and the infrastructure set up by mobile network operators. A key feature needed to allow banks and mobile operators to provide payments services via a cell phone is the "Trusted Service Manager" (TSM). More specifically, the TSM facilitates the distribution, configuration and activation of the bank's payment application on the UICC within bank customers' NFC handsets (their mobile phone). UICC stands for the Universal Integrated Circuit Card, also known as a SIM card. NFC refers to Near Field Communications - a contact-less technology that enables data to be transmitted wirelessly over very short distances, for example between a mobile phone and a card payments terminal at the check-out of a retailer. The GSMA, through its Pay-Buy-Mobile initiative, and the incidentally focus on defining requirements and specifications regarding the role of a Trusted Service Manager interfacing with banks and mobile operators.

and GSMA are convinced that this cross-industry cooperation represents the best way forward to efficiently avail the mobile as a means of initiating payments. The approach chosen by and GSMA might eventually serve as a model regarding the development of mobile payment services in other parts of the world, e.g the goal is to approach standardisation in the area of mobile payments based on a global perspective at an early stage.

Defining the M-Channel Roadmap

Going forward, the will further detail the m-payments strategy with a view to design an M-Channel Roadmap spelling out priorities and milestones. At the same time, seeks to collaborate with key organisations in the mobile payments market including MobeyForum, GlobalPlatform, EMVCo and the NFC Forum. The newsletter will deliver regular updates on the progress of creating mobile channels for payments.

Dag-Inge Flatraaker is the Chair of the M-Channel Expert Group. If you wish to obtain further information, please contact the Secretariat (e-mail to

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