Privredna Banka Zagreb (PBZ, Intesa Sanpaolo Group), Intesa Sanpaolo Card Ltd. and American Express have launched a pilot to test HCE (Host Card Emulation) for mobile NFC (Near-Field Communication) payments at POS (Point-of-Sale) terminals in Croatia. Link to external site : Website for Croatian Bank HCE pilot with American Express |  |
| Brand | |
| Launched in | |
| Status |
Active Register/Log In |
| Launch |
2014 Jul Register/Log In |
| Importance |
High Register/Log In |
| Traction |
In trial or pilot phase Upgrade to Bronze |
| Evaluation | |
| Account Type |
Card Register/Log In |
| Business Model | |
| Class |
| Send | Services | Receive | ||||
|---|---|---|---|---|---|---|
 Location  Mobile |
 Card  NFC |
 |
 LP  MP NFC |
|
Card NFC |
Location Mobile |
| Model |
bank based Upgrade to Bronze |
| Who Leads? |
bank led Upgrade to Bronze |
| Reach |
Trial Upgrade to Bronze |
| Active Users |
-- NA -- Upgrade to Bronze |
| Registered Users |
-- NA -- Upgrade to Bronze |
| Potential Mobile Market (m) |
6.794 Upgrade to Bronze |
| Regulations |
| Persona | |
| Purpose | |
| Active Services | |
| Card Type |
None Register/Log In |
| ServicesDescription | |
| Channels | |
| Payment Instruments | |
| Cash I/O Description | |
| Cash I/O No Of Locations | |
| Handsets | |
| Technologies | |
| Interoperability | |
| RegistrationProcess |
Cardholders register for the mobile NFC payment service with PBZ and download the application to the mobile phone handset. They then enroll their payment card using two separate verification codes that are provided by PBZ. Register/Log In |
| Main Segment | Mainstream |
| Segment Description | Pilot for banked, carded users to pay in-store using mobile phones |