there\'s a big world out there for mobile payments

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As of 2017, one of the best performing stocks in the stock portfolio below $10 was US technology (USAT -Get Report).
So far, the share price has risen by more than 45%, and consumers continue to accept general and more specific digital payments for US technology in unattended situations --of-
Vending machines and kiosks are available for sale.
This week, we received some holiday shopping forecasts for 2017, and on average, holiday sales will climb by 3. 5% to 4% vs. 2016.
However, under the hood, e-
Business holiday sales are expected to climb 11%
16%, part of the reason is mobile shopping.
In general, mobile shopping will account for more than one
The third day of the 2017 holiday
Business sales this year.
This is also the year, if we keep going
From the upper limit of thinking, there are many reasons why mobile payment will continue to share and share.
Cash and checks as well as debit and credit cards.
From ease of use when more retailers accept mobile payments to security --
Related concerns, as well as the desire to fight corruption and control costs associated with paper money, have several forces at work.
For example, the government of Indian Prime Minister Narendra Modi took action last year to withdraw 86% of the currency from circulation to curb corruption and expand the achievable tax base.
Of course, the lack of banking infrastructure compared to the Indian population is another factor driving the adoption of mobile payments.
Recent data show that the number of bank branches per 1,000 Indian adults is around 18.
7 City Market. 7.
8 in rural areas, while for the population of more than one person, there are 222,000 ATMs nationwide. 3 billion.
By contrast, the United StatesS.
425,000 people have 0. 323 billion ATMs.
How about this from some point of view? -
For India, have the same AMT saturation level as in the USS.
More than 0. 2 billion ATMs are needed in this country!
Why would India install technologies that might require traditional infrastructure yesterday when deploying 4g wireless networks? We digress . . .
Mobile payments have now surpassed debit and credit cards. . . .
Online, mobile and digital currency payment systems will replace credit and debit cards as the most popular payment method for electronic payments, according to a new United Nations study
Global business by 2019.
Keep in mind that we are close to the end of 2017, which means that the schedule will not be too far away.
According to the report, by 2019, the share of credit and debit cards in global payments is expected to decline from 46% in 2014 to 51%.
It is fascinating to us, at least, where this adoption really exploded, and this UN report clearly states: \"in developed regions, digital payments are dominated by credit and debit cards, the second is electronic payment. wallets.
But in some developing countries where credit cards rarely become the most important payment method, new online and mobile payment methods are becoming popular. . . .
In China, the preferred payment method for consumer e-commerce
E-commerce is Alipay (BABA -Get Report)
In Kenya, 68% of online shoppers use mobile money, or access financial services via mobile phones, which is more common than credit cards in e-commerce
Although cash on delivery is still the main way of business.
\"There are two mobile platforms in China ---
According to data released by iResearch, Alipay of Alibaba and Tenpay of Tencent account for about 90% of mobile payments. While Apple (AAPL -Get Report)and Alphabet (GOOGL -Get Report)
They must overcome the shortcomings of the Chinese market to break through the shortcomings of the Chinese market. of-
Processing Sales machines for Apple Pay and Android Pay.
Maybe it could be an opportunity for companies like VeriFone Systems (PAY)or Square (SQ -Get Report)
But we will most likely see Chinese banks like Wells Fargo (WFC -Get Report)
Do and introduce points-of-
Sales of smartphones, apps and other products, card readers can hinder VeriFone and other companies that want to take advantage of potential Chinese opportunities. As an ever-
More and more Chinese consumers are keen on overseas consumption, and more businesses are using China mobile payment to cater to Chinese tourists, thus discovering huge business opportunities.
However, mobile payments are not so popular in the US. S.
Like in China, Americans are still used to paying with plastic.
Differences in payment habits may pose a challenge to China Mobile\'s payment services and set obstacles to their expansion.
Often, we tend to connect the technological developments that start in the US. S.
And send out. Radio. TV. VCR. Compact disc. The internet. IPod. IPhone. IPad and so on.
In the case of mobile payments, however, the opposite is true.
According to Forrester Research, mobile payments in the United StatesS.
It has reached $112 billion, a drop compared to China Mobile\'s payment of $5.
According to iResearch, 5 trillion in 2016.
This huge difference helps to explain why Alipay recently compared with the first data (FDC -Get Report)
Expand business in the overseas mobile payment market.
This is the latest collaboration to expand Alipay coverage and follow a similar partnership
Ups works with Emtek in Indonesia, Kakao Pay in Korea, Mynt in financial technology services in the Philippines and Ascend Money, a payment company in Thailand. (
Apple, Alphabet and First Data are part of the street action alert and product portfolio. )
I\'m afraid you think Alipay\'s rival WeChat is still standing still.
WeChat payment has also entered an expansion model through cooperation with Silicon Valley --
CITCON, a mobile payment startup (
Alipay can also)
, Allowing its WeChat users in the United States
Enjoy the same cashless payment experience as in China.
This brings the total number of countries where WeChat payments can be used in 12 currencies to 15.
Put on our investment hat and it all means something.
First of all, in assessing Alphabet and Apple\'s potential payment opportunities, their strategy is likely to attract shoppers to buy smartphones and other devices by getting them hooked on their mobile payment services.
In other words, mobile payments themselves are unlikely to stimulate their operating profits, a key determinant of EPS.
In the developed market where consumers move from debit and credit cards to mobile payments, this may not mean the growth of MasterCard (MA -Get Report), Visa (V -Get Report)
There are others as they have switched from cash and check to card.
Emerging markets are another matter, however, and investors continue to wait for China to open its borders and allow foreign payment processing networks.
One of our investment strategies is to \"buy bullets, not guns,\" which, in general, means finding key technology vendors.
In this case, this means putting companies like this on the track of innovation (OTIV -Get Report)
Under a microscope
So far, it is a cashless payment solution company focused on retail, public transport, parking and other applications.
In terms of stocks below $10, we move on when it is below our market cap and trading volume limit, but for investors whose risk appetite is larger than the $10 or less stock we allow, this is a question that may be of interest.
Another strategy is to look for emerging markets.
It is positioned as a mobile payment market company in China, India and other markets.
A company like this is PayTM in India, which allows people to accept payments, buy and sell goods, and track food allowances, similar to our digital food vouchers now in the USS.
The problem with PayTM is that its parent company One97 Communications is not publicly traded in the United States. S.
This brings us money from another player, mobile (MOMT)
We talked a few weeks ago.
Good Dynamics are still very complete and at the end of June, the company had more than 335,000 participating agents where consumers could get cash
Services in more than 700 cities across all Indian states-
This is more than the number of banks and ATMs. country.
Over the past year, this presence has enabled funds on mobile devices to serve between 3 million and 5 million customers per month.
Given the status of microcap, MOMT stocks are essentially speculative, and given the dynamics of trading volume, a portfolio of stocks below $10 will have to focus on development.
As we said, we will notice that the company\'s footprint and metrics may make it a take-away candidate, let any company that wants to find something bigger than a foothold in the payment field have a place in India.
For investors to buy baskets from Alipay (PYPL -Get Report)
For Visa and world pay groups that are exposed to global mobile payment growth, one answer is the ETFMG Prime mobile payment ETF (IPAY)
Hold positions in 32 such companies.
In the stock portfolio below $10, we continue to hold our USAT stock because we want to find other stocks that meet our investment standards and wind after years of mobile payment adoption
More popular things on the streets: a selection of editors: originally published in October. 7.