One of the fastest moving and most exciting parts of the payment chain today is that of Mobile Point of Sale. What has been seen as a hardware-intensive and complex process – particularly with the EMV migration in the United States – is becoming in many ways a simpler but more fragmented market.

This poses opportunities and challenges in equal measure; opportunities for new players to come through and build a successful business and challenges to first- and second generation companies who have built their businesses on “traditional” models.

This paper focusses on the technologies, standards and security headaches that are arising as a result.