GlobalPlatform spoke to Marie
Costers, General Manager Test Solutions at Clear2Pay, to find out more about the
company's activities, the decision to upgrade to full membership, the evolution of the
payments landscape and Clear2Pay's GlobalPlatform implementations.
- What does Clear2Pay offer and what is your role?
Clear2Pay is a global technology provider of next generation (mobile)
payment solutions. We help our customers to reduce transaction processing
costs and bring new services to market. In addition - and this is where
our GlobalPlatform membership comes into the play - we offer a
comprehensive range of test solutions covering all kinds of digital
transactions. Since these test solutions are flexible and automated our
customers can assess quality in order to launch new products with
At Clear2Pay we are strong believers in the new mobile payments reality:
besides an indispensible pocket-sized do-it-all gizmo, the mobile device
will become the payment mechanism of choice. However, especially when
money is involved: the roll-out of mobile near field communication (NFC)
services must be guaranteed bulletproof. Trust, reliability and security
are key factors on the way to mass adoption.
Rigorous testing and compliance is the only way to ensure quality and
create a culture of confidence. Obviously, quality assurance can be a
complex, time-consuming and costly task. We are pleased to bring our 25
years of knowledge within the payments and mobile worlds to GlobalPlatform
and have been involved - since the very start - in innovative technologies
such as EMV and NFC to name just a few.
- What’s the role of Clear2Pay in GlobalPlatform and why
have you decided to upgrade to full membership?
Since the inception of GlobalPlatform, Clear2Pay joined forces with
FIME to propose test solutions to help the industry validate the
compliance of mobile products to align with GlobalPlatform Specifications.
For smartcard manufacturers, the GlobalPlatform Test Suite is the best way
to save time and costs when testing chip-based mobile
products. Mobile network operators will use this tool to effectively
evaluate conformance of new solutions before rollout and to improve
interoperability between the different providers.
We have been a GlobalPlatform member for several years now. We will see
mobile NFC services ignite within the next few years and expect NFC to be
the facilitating technology. According to Strategic Analytics, by the end
of 2013 there will be nearly 400 million NFC capable phones, which is
around 5% of the world’s total population - a large enough installed
base for solution providers to create viable mobile NFC services such as
contactless mobile payments. With NFC to jumpstart mobile contactless
payments, we are confident that in this ecosystem, GlobalPlatform is the
requisite norm that will advance interoperable, secure solutions and align
vendor agnostic applications...thus enabling the viable value-added mobile
solutions we are all looking for.
We are active in many industry standardization bodies and have aided the
industry with the provision of test solutions with the aim to test
conformance to governing standards and create reliable solutions. This
upgrade to full GlobalPlatform membership is another milestone for us
being a next generation solution facilitator. It underpins our conviction
that the future of mobile contactless payment heavily relies on the
GlobalPlatform Standards and the valuable contributions made by its growing
We are looking forward to committing resources to the GlobalPlatform
Compliance Program as we know that a stable procedure and guideline
program for installing applications on a secure environment will advance
the involvement of more developers and spark the new mobile dream we are
- In light of the EMV migration activity in the US and the
increased adoption of mobile payments worldwide, how do you see the
payments landscape evolving over the next 5 years?
The traditionally separated payment and mobile markets are converging,
creating the potential for new opportunities for all stakeholders.
Financial institutions (but also other service providers) see the mobile
platform as a well-estabished way to offer new, value-added services; the
consumer is increasingly enthusiastic to adopt the many benefits of mobile
NFC services. On the other hand, non-traditional payment market players
such as mobile network operators, cloud-based solution providers and
digital transaction players are interested in partaking in the promising
mobile payment playground.
Despite the slower-than-expected adoption by consumers, payments made via a mobile phone will boom in the following
years as predicted by several studies. Mobile payments – when they are
EMV based - are basically the same as card transactions at the point-of-
sale, so implementing EMV will lead to a faster adoption of mobile and
contactless payment initiatives. The U.S. market already boasts payment
devices with contactless features, only a small additional investment
would be needed to add mobile card acceptance. Markets currently migrating
to EMV could choose to skip ‘contact-only’ infrastructure and
go straight to dual interface card acceptance devices.
Taking advantage of the mobile device’s additional features like
connectivity to the cloud, geolocation,...value-added mobile payment
services (and even shopping) solutions can be offered. In this way it is
expected that the US will leapfrog the ‘traditional’ EMV
- What are Clear2Pay’s priorities for the coming year?
Our full GlobalPlatform membership will trigger Clear2Pay to play a
more dominant role in the organization and be instrumental for all actors
in the mobile sphere: from card/device manufacturers to mobile application
vendors, trusted service managers (TSMs) to complex back-office system
developers, with the ultimate aim to smooth the launch of innovative
Alongside that we are working on a new, flexible and faster test
development platform capable of implementing all levels and all types of
tests whether at technology level (EMV, NFC and single wire protocol
(SWP), for example) or business level and regardless of the type of
component under test (including card, device and host), for the broadest
test coverage ever. We are ready to support any EMV project or any
migration to mobile NFC service initiative. One of our key objectives is
to guide companies through their complex mobile payment projects including
end-to-end test support.
- What are you working on? Any implementations using
Clear2Pay is a strategic partner of FIME, whose GlobalPlatform Test
Suite allows companies to meet GlobalPlatform and EMVCo requirements. This
joint solution is built on our test platform and features Clear2Pay’s
SWP and host controller interface (HCI) test case libraries. We are
currently looking into our TSM test tool environment.
As a payment modernizer, Clear2Pay has an overall, innovative view on
how the payment technologies work now and how they are expected to work in
the future. We support companies during product development with benchmark
test tools and expertise, prepare them for official certification in EMV,
NFC Forum or GlobalPlatform test laboratories.