Although the prospects are still remote today, in-store and virtual top-up methods have the potential to lead wireless phone carriers or related players into merchant acquiring, threatening banks' and card networks' market positions.

251

Banks need to wake up to a hard and cold fact: the emergence of kiosks is one more sign that fringe banking services are a developing value proposition, not a declining one.

219

There are different components to the problem [of low-value payments]. First, you have to make a business case for all parties involved -- issuers and merchants. Second, you have to give consumers a value proposition to make it attractive for them.

102