woman holding phone with fingerprint for online shopping

TUESDAY / SEPTEMBER 20, 2016 / 9:30 AM

Can an HCE Wallet Keep Your Customers ‘Within the Walls’?

With third-party mobile wallets become more popular, many bank executives believe they must introduce proprietary products in order to maintain customer loyalty and avoid disintermediation.

A mobile wallet using host card emulation is one way to achieve this on Android devices (iPhones use a different technology, the secure element). Earlier concerns about security seem to be resolved; today Visa and MasterCard both support HCE for cloud¬based mobile payments.

The question remains whether banks should add a payments feature to their existing mobile banking app or opt for a white-label standalone. This session will present the pros and cons of each approach.


Cherian Abraham | Senior Business Consultant | Experian

Cherian Abraham is a senior business consultant at Experian. He focuses on digital commerce, payments and fraud for Experian and its global clients in banking and retail. Cherian works to extend Experian’s global capabilities in fraud, identity and credit risk into the online and mobile channel. Outside of Experian, he serves on the board of advisors at SimplyTapp, creators of Host Card Emulation (HCE) in Android, and at ModoPayments, a retail platform for personalized and instant in-store gifts and offers. Prior to Experian, Cherian founded DROP LABS, a mobile commerce strategy and advisory practice that offered objective research and analysis on mobile payment technologies and initiatives.

Hutch Douglas | Senior Director of Mobile Payments | Capital One

The payments world is ripe for disruption, and Hutch’s mission is to navigate the change for Capital One, blending strategy with technical approach, and designing customer experiences to help Capital One win the hearts and minds of consumers. Hutch most recently led Capital One’s effort to build the Capital One Mobile Wallet, the launch of Apple Pay and other NFC payment solutions, services including card lock, instant card issuance, and big-data solutions to identify and avoid unwanted charges. Hutch earned his MBA from Cornell University, S.C. Johnson Graduate School of Management; and an MS and BS in Mechanical Engineering from Bucknell University.

Hans Reisgies | Founder and Chief Technology Officer | Sequent

Hans Reisgies is a Founder and Chief Technology Officer at Sequent. Hans is a widely known evangelist for mobile payments and an established thought leader and a trusted advisor to banks, merchants, carriers, and other mobile commerce players. Hans was instrumental in launching commercial mobile payments programs involving American Express, Bank of America, Blackberry, BART, Citi, CIBC, Cubic, Discover, MasterCard, Motorola, Nokia, Rogers Wireless, Samsung, Sberbank, Visa, amongst others. Previously, Hans led mobile business development at ViVOtech from 2005-2010 and has been active in the NFC Forum and Global Platform standards bodies. Hans’ specialization in mobile payments has yield more than a dozen patents filed and granted.


Will Hernandez | Editor | Mobile Payments Today

Will has 14 years of experience ranging from newspapers to wire services and trade publications. Before becoming Editor of Mobile Payments Today, he spent two years as the content manager for PaymentsJournal.com, a leading payments industry news aggregator and information hub published by Mercator Advisory Group. He spent four years covering the payments industry as an associate editor for multiple publications in SourceMedia’s Payments Group based in Chicago including ATM&Debit News, CardLine, PaymentsSource.com, ISO&Agent Weekly and American Banker. Will helped launched SourceMedia’s bi-weekly newsletter, Mobile Banker, and built and cultivated the Payments Group’s first Twitter presence.

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