Value chain Many consumers will ask: "brush cell phone and bank card brush there is any real difference?" The answer is no difference. This will be one of the biggest obstacle to universal mobile payment and to change the monetary nature. The concept of mobile payment - a device to electronic payments - is still a relatively unknown concept. No matter how many payment processors and financial institutions want consumers to bring a new form of money, consumers will still easy to use, reliable, convenient, and bring them to the maximum value of payment. Harvard University's digital communications and communication services director Perry Hewitt (Perry Hewitt) said: "brush smartphone subway, buy a latte and bagels, and the phone as the ID card to enter the building, it may be a field of privacy nightmare, but also a busy city a small white-collar dream. " The best: smart phones is not only your wallet can also be used to access multiple accounts, to provide you with added value, not just from one entry to another entrance of the pipe. The Electronic Frontier Foundation (the Electronic Frontier Foundation) the Xiqiao En Loeb Rawski (Jon out of every four) said: "Maybe after the bank card will contain the password of multiple accounts, people have done some serious discussion on the alternative form of currency When the economy becomes increasingly unstable, this discussion will be more. I think this innovation - evolution is not only a medium of exchange, the value it represents. " Trust is a big problem. Research institutions Opus Research data show that 35% of consumers in mind the phone to the cashier. In addition, security is also an important concern. Banks, payment processors, and digital wallet developers need to ensure the feasibility of the transaction, so that consumers can be reassured embedded into the credit card processing gateway smart phone on the money. Security monetary evolution of a less dazzling, but it might be a link in the value chain. The Pew report an anonymous critic wrote: "This is a very difficult thing, but for most people, both convenience and privacy and security guarantee is sufficient. We were first custody money, and then began to trust the banks, then trust credit card companies, more convenient methods of payment will be welcomed by everyone. "