With near field communication on the horizon and more handsets hitting the market that include the technology, what about the mobile wallet? The software the enables the chip on the phone to perform various tasks is necessary for anything to happen in the NFC ecosystem. The Mobey Forum released a white paper that examines the mobile wallet, what it is and what it does. Gerhard Romen, member of the board of directors at the Mobey Forum and director of Mobile Financial Services at Nokia, discusses the report and why the mobile wallet is more than just payments. Romen also gives his take on Verizon’s decision not to enable Google Wallet in the new Samsung handsets in favor of its soon-to-be-released ISIS.

Visa made waves in August when it unveiled a road map to move the U.S. to EMV and then again in January when the company said that the country’s deployment wouldn’t be chip and PIN. Stephanie Ericksen, head of Authentication Product Integration at Visa USA, talks to Regarding ID’s Gina Jordan about the move and why the U.S. will have a different solution than what other typically associate with EMV. “One thing that we’re trying to clarify is there are many countries around the world that have adopted EMV chip technology, but it’s not chip and PIN,” Ericksen says.