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Do HCE Mobile Payments Need Additional Security?

Since Google announced support for host card emulation (HCE) in Android KitKat 4.4 last year, the industry has been divided. Many recognize the value and opportunity that this brings to banks, mobile network operators (MNOs) and service providers for the deployment of mobile services – like payments, transit and loyalty – while others have sought to focus on security concerns that apparently limit the technology’s potential.

The balance of risk & reward

While some may consider the use of HCE less secure as there is no physical secure element (SE) involved, it is really a matter of perspective. Instead of storing the card data in the SE, ‘tokens’ are downlo ...

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