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@Matt - tell us more. What's your set up, where do you use?

I read recently that the next NFC spec covers this eventuality so that payments can still be made when phone is flat. Can't for the life of me find the article. It was in nfcworld.com I think

The consumer proposition for mobile wallets is "leave you physical wallet at home". These sorts of teething issues I would expect, and battery power is improving and consumer behaviours to keeping it charged also improving. Of course Apple could lower the entry point price for chargers like in the days of the old adapter!! The fingerprint thing is really annoying however. Seems it doesn't like it if you're a bit sweaty, clearly a challenge if you come out of the London Underground nearly half of the year...

Nick - PayM also uses LINK. The owners of PayM are separate to the owners of Zapp (the latter is VocaLink). I can see the logic, but the owners are different.... well ultimately the owners are the banks I suppose! I wonder if the PSR would go that way with the same logic, or approve of the split and want even more of a split?

Great news for Zapp. Having s partner as mighty in this space as Barclays further supports a bank enabled wallet ecosystem. Will be interesting to watch the rollout of Apple and Zapp to see how fast adoption takes them both

It's an interesting view Tom. If I were to crystal ball a bit, I'd say that assuming Zapp get the physical channel sorted quickly (say 2, max 3 quarters from now), and assuming Android Pay comes to market in a similar timeframe and is callable from within a bank's own app (like Zapp) then I think the market would then have 2 customer experiences for the 2 different phone OS (my crystal ball has a blind spot on Apples lock down on the NFC loop ;-). Customers choose phones for a variety of reasons. How they pay might sway some, but I don't see it as a deal clincher yet. I therefore think the pressure will be on Zapp to make their revenue / ROI projections with the pot of consumers that use the service, which arguably I'd expect a fair proportion to do, IF the bank's deliver their end. Commercial pressure on switching payments alone will be quite a challenge in a single market. If you compare this to Apple and Android Pay, their pockets are deep as they make MASSIVE profits from other verticals so payments to them is just another product investment opportunity. My crystal ball guess then is that Zapp will have to innovate and drive additional revenue streams. The certified identity of the consumer is quite useful at Zapp and could have a number of commercial use cases. Plus there's a whole plethora of opportunity on the horizon with PSD2 and the opening of the banking system. I wonder if that's an area of opportunity...

So good it was worth saying twice ;-) You're right about zapp being online. Interesting to see what they come up with for POS given the Apple lock down on the NFC loop and the existing card rails over contactless Interesting question Alexander on Android. Don't you feel Android Pay is meant to address that?

Interesting take on the interchange challenge. The reality is that the banks will have to find the extra cost from their P&L. This will put extra squeeze on their costs at a time they are already being pinched due to regulatory pressure on interchange caps. Ultimately, maybe their branch lay offs will save the coin needed? Or maybe, heaven forbid, they are going start charging consumers! I compared Apple Pay to Zapp briefly in my blog, check it out.

As a payments geek, there's nothing more juicy than 2 big announcements like this. I can't wait to see how things play out. Who will win out? I think both will play a role going forward, check out why here.

Great write up Martin. @ Paul - I don't think I agree with your versus view. Why is Apple more stylish? Cos it has an Apple logo? The experience will be widely differing on Android I'll give you that. And although I seem to be Appled to the max in my house, an OCP world like in Robocop doesn't inspire me :-) I'm glad Google have come to the market like this. Bring it on, it's only going to get more interesting.