A list of NFC contactless mobile pa

A list of NFC contactless mobile payment systems have emerged in Singapore. We now see international giants like Samsung, Apple, Android offering their “Pay, Pay and Pay” apps (could someone create a ‘Don’t Pay’ app instead?) Local banks and telcos are also cashing in on the trend, and we can now use apps like UOB’s Mighty and Singtel’s Dash to pay, instead of using the traditional plastic credit/ debit cards or stored value cards.

As a tech geek whose faithful companion is his Samsung S7 Galaxy Edge, I would like to trim the fat off my wallet, chucking out unnecessary credit and stored valued cards, and instead e-carrying them on my smartphone. Heck, I would ditch my wallet if I could.

So when Samsung Pay appeared, could it finally be the day I say adios to my plastic cards and downsize to carrying my phone and a money clip?

I am a bank’s typical customer profile
Singapore has a total of 8m primary-holder credit cards in circulation, and 1.48m people earning above a monthly $2,500 wage eligible to be a primary card holder. This translates to an average of 5.4 credit cards that a primary card holder has.

As a Singaporean reaching his 40s, I fall under the “family” category, who has a household and uses credit cards to pay for necessities like groceries, petrol, education and medical expenses for the family. We also use credit cards to pay for shopping, online shopping, dining and travel.

Sounds like a prime candidate for banks and mobile payment systems? They love when people like me use a credit card to pay a puny $2 for a bunch of bananas at the supermarket.

In reality, the banks hate me.

Why? Because I also fall under the “uncle and auntie” category, where I religiously read in detail about which credit cards award me with the largest rebates. I proudly calculate and see myself earning back the 2-3 percent, where banks earn an average of 1.8 percent transaction fee on traditional retail POS systems. I also ensure I have loyalty cards to earn further rebates to get the most bang for my buck.

Consumers are getting smarter, and are more selective in the way they spend. Like me, they will likely have multiple credit cards from various banks to achieve the best yield of rebates and cashbacks.

It ain’t easy integrating banks and card associations
This means that any mobile payment system should have as many card-issuers on board their platform. I have consolidated my spending into three credit cards from three different banks.
For simplicity’s sake, the OCBC 365 card is used for petrol, groceries, dining and medical expenses. The Citi Rewards card is for clothes and shopping at departmental stores, and the UOB Prvimiles is for everything else to collect air miles. The Passion and Plus! Cards are the membership cards of two major local supermarket chains in Singapore, and offer rebates when used at the respective chains. The Passion card also acts as a stored value card for public transport.

So it was to my dismay that Samsung Pay or Android Pay were unable to integrate all my credit cards. The bugbear usually comes from one bank, UOB, which seems to struggle to integrate with Samsung Pay and Android Pay. (At the time of publication, UOB credit cards cannot be linked to Samsung Pay and UOB Mastercards cannot be linked to Android Pay.)

So I have to rely on two systems for now, Samsung Pay to handle my OCBC and Citibank card, and UOB’s own UOB Mighty App for contactless payments with my UOB card.

It sounds cumbersome, but I was excited to try out the futuristic way of using a smartphone to pay! It was relatively easy to add the three credit cards to Samsung Pay and UOB Mighty respectively. I even simulated the process of how to activate the smartphone to get ready for payment, thinking that if I practiced it enough, it would become second nature and I will be able to do it quickly. So off we went shopping.

結果 (英文) 3:

一个列表的NFC非接触式移动支付系统已经出现在新加坡。我们现在看到的国际巨头，如三星，苹果，安卓提供他们的“支付，支付和支付”应用程序（可以有人创建一个"不支付"的应用程序，而不是吗？）当地的银行和电信运营商也在利用这种趋势，我们现在可以使用应用程序像大华的强大和新加坡电信的短跑的支付，而不是使用传统的塑料信用卡/借记卡或储值卡。作为一个科技狂人的忠实伴侣是他的三星S7银河的边缘，我想减肥了我的钱包，抛弃不必要的信用卡和储值卡，而他们在我的智能手机e-carrying。见鬼，如果我能的话，我会把我的钱包扔掉。所以当三星一如既往的出现，可能最终会有一天我说再见我的塑料卡和缩小到拿着我的手机和钱夹子？我是一家银行的典型的客户简介新加坡共有8原持有人信用卡流通，148万人，收入超过每月2500美元的工资可以主卡持有人。这意味着一个主卡持有人有5.4信用卡的平均水平。作为一个新加坡达到了40多岁的时候，我落下的“家庭”的范畴下，谁拥有一个家庭并使用信用卡支付的汽油、食品等必需品，为家庭教育和医疗支出。我们还使用信用卡支付购物，网上购物，餐饮和旅游。听起来像是银行和移动支付系统的主要候选？他们的爱，像我这样的人使用信用卡支付微不足道的2美元在超市一串香蕉。在现实中，银行恨我。为什么？因为我也属于“叔叔阿姨”类别下，我虔诚地阅读了关于信用卡奖我最大的折扣。我自豪地计算和看到自己赚回的2-3个百分点，银行赚取百分之1.8的交易费平均在传统零售POS系统。我也确保我有忠诚卡，以赚取更多的回扣，以获得最爆炸的我的责任。消费者变得越来越聪明，他们花钱的方式更有选择性。像我这样的人，他们可能会有多张信用卡不同银行实现退税和cashbacks最佳产量。整合银行卡和信用卡协会是不容易的这意味着任何移动支付系统都应该有多个发卡机构在他们的平台上。我已将我的支出从三家银行合并成三张信用卡。为了简单起见，华侨银行365卡用于汽油、食品、餐饮、医疗费用。花旗的奖励卡是衣服，在百货公司购物，和大华prvimiles是一切收集的空气里。激情和加！卡是在新加坡的两个主要的当地连锁超市的会员卡，并提供回扣时，在各自的连锁店。激情卡也作为公共交通的存储价值卡。因此，让我沮丧的是，三星支付或安卓的支付无法整合我所有的信用卡。怪物通常来自银行、大华银行，这似乎难以整合三星和Android支付支付。（在发表的时间，大华银行信用卡无法联系到三星和大华银行万事达卡支付无法与Android支付。）所以我必须依靠两系统现在，三星支付处理我的华侨银行和花旗银行卡，和大华的大华强大的应用程序的非接触式支付我的银行卡。这听起来很麻烦，但我很高兴尝试使用一个智能手机支付未来的方式！这是比较容易添加三张信用卡付给三星和大华强大的分别。我甚至模拟了如何激活智能手机，以支付准备的过程中，我认为，如果我实践了足够的，它将成为第二天性，我将能够迅速做它。所以，我们去购物。