Using mobile devices to complete payment transactions in stores is on the brink of mass adoption in North America. What’s not clear yet is what technology will be the most popular and how these methods of payment will be secured. So far, security seems to be an afterthought in some early attempts at a mass-market approach to mobile payments – including one particular app that happens to have 12 million users and a glaring loophole.

This was presented at the Bank IT conference in Toronto on Oct. 3.

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