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Orange NFC Chief: We Want to Talk to Apple about Putting Orange Cash on iPhone. \n                        http:\/\/nfctimes.com\/news\/orange-nfc-chief-we-want-talk-apple-about-putting-orange-cash-iphone\n                        \n                    ."},{"key":"4331_CR59","unstructured":"NFC Times. (2014). SIM Vendor Group Contends NFC SIM Growth Healthy; Refuses to Call HCE a Threat. \n                        http:\/\/nfctimes.com\/news\/sim-vendor-group-contends-nfc-sim-growth-healthy-refuses-call-hce-threat\n                        \n                    ."},{"key":"4331_CR60","unstructured":"NFC Times. (2014). Softcard Touts Rewards to Increase Wallet Activations; Insists it Will Support Wallet on iPhone SIMs. \n                        http:\/\/nfctimes.com\/news\/softcard-touts-rewards-increase-wallet-activations-insists-it-will-support-wallet-iphone-sims\n                        \n                    ."},{"key":"4331_CR61","unstructured":"NFC Times. (2014). Visa and MasterCard: HCE Can be as Secure as Secure Elements. \n                        http:\/\/www.nfctimes.com\/news\/visa-and-mastercard-hce-can-be-secure-secure-elements\n                        \n                    ."},{"key":"4331_CR62","unstructured":"NFC Times. (2014). With HCE Threat Looming, Telcos and Their Trade Group Seek to Cut Cost and Complexity of SIM-Based NFC. \n                        http:\/\/nfctimes.com\/news\/hce-threat-looming-telcos-and-their-trade-group-seek-cut-cost-and-complexity-sim-based-nfc\n                        \n                    ."},{"key":"4331_CR63","unstructured":"NFC Times. (2015). Analysis: Google Buys Home Screen Space with Softcard Acquisition, While SIM-based NFC Takes Another Hit. \n                        http:\/\/nfctimes.com\/news\/analysis-google-buys-phone-screen-space-softcard-acquisition-while-sim-based-nfc-takes-another-\n                        \n                    ."},{"key":"4331_CR64","unstructured":"NFC Times. (2015). Canadian Telcos Refuse to Give up On SIM-Based NFC, Though Many Challenges Lie Ahead. \n                        http:\/\/nfctimes.com\/news\/canadian-telcos-refuse-give-sim-based-nfc-though-challenges-lie-ahead\n                        \n                    ."},{"key":"4331_CR65","unstructured":"NFC Times. (2015). Case Study: Norways\u2019 Wallet What Went Wrong. \n                        http:\/\/nfctimes.com\/news\/case-study-norway-s-valyou-wallet-what-went-wrong\n                        \n                    ."},{"key":"4331_CR66","unstructured":"NFC Times. (2015). Former Isis CMO: Onerous TSM Requirement Kept Banks Away from Wallet. \n                        http:\/\/nfctimes.com\/blog\/dan-balaban\/former-isis-cmo-onerous-tsm-requirement-drove-banks-away-wallet\n                        \n                    ."},{"key":"4331_CR67","unstructured":"NFC Times. (2015). Large Russian Bank, Like Other Issuers, Finding HCE Not So Easy to Roll Out. \n                        http:\/\/www.nfctimes.com\/news\/large-russian-bank-others-finds-hce-not-so-easy-roll-out\n                        \n                    ."},{"key":"4331_CR68","unstructured":"NFC Times. (2015). Mozido Founder: Interest in HCE Running 9-to-1 Over Secure Elements. \n                        http:\/\/www.nfctimes.com\/news\/mozido-founder-interest-hce-running-9-1-over-secure-elements\n                        \n                    ."},{"key":"4331_CR69","unstructured":"NFC Times. (2015). New Zealand Joint Venture Launches SIM-Based NFC Wallet Amid Growing Interest in HCE. \n                        http:\/\/nfctimes.com\/news\/new-zealand-joint-venture-launches-sim-based-nfc-wallet-amid-growing-interest-hce\n                        \n                    ."},{"key":"4331_CR70","unstructured":"NFC Times. (2015). RBC Drops All Support for NFC SIMs in Favor of HCE; SIMs Created Too Much \u2019Friction,\u2019 Says Bank.\n                    \n                        http:\/\/nfctimes.com\/news\/rbc-drops-all-support-nfc-sims-favor-hce-sims-created-too-much-friction-says-bank\n                        \n                    ."},{"key":"4331_CR71","unstructured":"NFC Times. (2015). Softcard Cuts Jobs, Restructures, in Sign that Telco Owners are Losing Patience with Joint Venture. \n                        http:\/\/nfctimes.com\/news\/softcard-cuts-jobs-restructures-sign-telco-owners-are-losing-patience-joint-venture\n                        \n                    ."},{"key":"4331_CR72","unstructured":"NFC Times. (2015). Taiwan\u2019s Telco Joint Venture Finally Ready to Launch TSM, but is It Too Late?\n                    \n                        http:\/\/nfctimes.com\/news\/taiwan-s-telco-joint-venture-finally-ready-launch-tsm-it-too-late\n                        \n                    ."},{"key":"4331_CR73","unstructured":"NFC Times. (2015). While Competition Heats Up Among HCE Vendors, Published Certification Lists Remain Thin on the Ground.\n                    \n                        http:\/\/www.nfctimes.com\/news\/competition-heats-among-hce-vendors-published-certification-lists-thin-ground-so-far\n                        \n                    ."},{"key":"4331_CR74","unstructured":"NFC Times. (2015) Why it would make little sense for google to buy softcard, unless perhaps it gets preloaded app.\n                    \n                        http:\/\/nfctimes.com\/blog\/dan-balaban\/why-it-would-make-little-sense-google-buy-softcard-unless-it-gets-preloaded-app\n                        \n                    ."},{"key":"4331_CR75","unstructured":"NFC Times. (2016). Case study: ING bank customers opt for no PIN and very low-value purchases with new HCE app.\n                    \n                        http:\/\/nfctimes.com\/news\/case-study-ing-bank-customers-opt-no-pin-and-very-low-value-purchases-new-hce-app\n                        \n                    ."},{"key":"4331_CR76","unstructured":"NFC Times. (2016). Rabobank to Use NFC SIMs from KPN for Rabo Wallet, While Competitors Promote Their Own Wallets.\n                    \n                        http:\/\/www.nfctimes.com\/news\/rabobank-use-nfc-sims-kpn-rabo-wallet-while-competitors-promote-their-own-wallets\n                        \n                    ."},{"key":"4331_CR77","unstructured":"NFC Times. (2016). Top 10 Misses for NFC in 2015: SIM-Based NFC Falls Further; Apple Pay Expansion Comes Up Short.\n                    \n                        http:\/\/www.nfctimes.com\/news\/top-10-misses-nfc-2015-sim-based-nfc-falls-further-apple-pay-expansion-comes-short\n                        \n                    ."},{"key":"4331_CR78","unstructured":"NFC Times. (2016). Year ahead for NFC: More HCE Rollouts, Expansion of the \u2018Pays,\u2019 Tokenization Power Plays Evolve, Fragmentation Continues.\n                    \n                        http:\/\/www.nfctimes.com\/news\/french-make-it-official-nice-nfc-launch\n                        \n                    ."},{"key":"4331_CR79","unstructured":"NFC World. (2014). CaixaBank picks Morpho TSM. \n                        http:\/\/www.nfcworld.com\/2014\/02\/24\/328020\/caixabank-picks-morpho-tsm\n                        \n                    ."},{"key":"4331_CR80","unstructured":"NFC World. (2015). Apple Pay transactions decline on Black Friday. \n                        http:\/\/www.nfcworld.com\/2015\/12\/03\/340310\/40310\n                        \n                    ."},{"key":"4331_CR81","unstructured":"NFC World. (2015). 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Mozido Acquires CorFire. \n                        http:\/\/www.pymnts.com\/in-depth\/2014\/mozido-acquires-corfire\n                        \n                    ."},{"key":"4331_CR87","unstructured":"PYMNTS. (2016). Uber Launching Digital Wallet In India. \n                        http:\/\/www.pymnts.com\/news\/mobile-commerce\/2016\/uber-launching-digital-wallet-in-india\n                        \n                    ."},{"key":"4331_CR88","unstructured":"Renard, L., & Puente-Castan, G. (2015). Mobile integrated distribution and transaction system and method for NFC services, and a mobile electronic device thereof. \n                        http:\/\/www.google.com\/patents\/US8958746\n                        \n                    , US Patent 8,958,746."},{"key":"4331_CR89","unstructured":"SIM Alliance. (2007). Proximity Mobile Payments: Leveraging NFC and the Contactless Financial Payments Infrastructure. Tech. rep., SIM Alliance."},{"key":"4331_CR90","unstructured":"Smart Card Alliance. (2011). The Mobile Payments and NFC Landscape: A U.S. Perspective. Tech. rep., Smart Card Alliance."},{"key":"4331_CR91","unstructured":"Sun Microsystems. (2006). Java Card v2.2.2. Tech. rep., Sun Microsystems."},{"key":"4331_CR92","unstructured":"Toro. (2016). Website. \n                        http:\/\/www.toro.com\n                        \n                    ."},{"key":"4331_CR93","unstructured":"Training Journal. (2014). 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