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What is 
HOST CARD EMULATION 
and why it matters 
Host Card Emulation 
(HCE) was introduced 
by Google as a feature 
of the new KitKat OS. 
It was endorsed by 
Visa, MasterCard 
It allows cards to be issued from the cloud and 
used for mobile payment transactions anywhere. 
Why does it matter? 
Visa 
MasterCard 
HCE powers NFC mobile payments at physical stores 
94% 6% 
Source: eMarketer/US Census Bureau 
of transactions 
happen in the 
real world 
2 in 3 phones to come with 
NFC by 2018 
1.2B 
2018 
total e-commerce 
1% 
mobile commerce 
(part of e-commerce) 
86% of POS terminals in 
North America will accept 
NFC payments by 2017 
86% 78% 38% 
North 
America 
Source: IHS Research Source: Berg Insight 
1.5 Billion mobile wallets to be in use by 2018 
Source: Juniper Research 
What’s in it for me? 
275M 
2013 
1200 
1000 
800 
600 
400 
200 
Phones with NFC (millions) 
HCE gives banks 
freedom to deploy 
mobile payment 
systems everywhere. 
Europe Rest of 
the world 
Banking, merchant 
and other apps can 
easily be enabled with 
mobile payments at 
physical stores. 
Ultimate consumer experience: 
pay anywhere with the 
apps you love and trust. 
Sources 
• Berg Insight: http://www.nfcworld.com/2012/06/07/316112/berg-86-percent-of-pos-terminals-in-north-america-will-accept-nfc-payments-by-2017/ 
• eMarketer/US Census Bureau: http://www.emarketer.com/Article/Total-US-Retail-Sales-Top-3645-Trillion-2013-Outpace-GDP-Growth/1010756 
• IHS Research: http://www.nfcworld.com/2014/02/12/327790/two-three-phones-come-nfc-2018/ 
• Juniper Research: http://www.nfcworld.com/2014/05/20/329241/juniper-predicts-1-5bn-mobile-wallets-2018/ 
www.sequent.com 
contactus@sequent.com 
+1 650-419-2713

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HCE Infographic: What is Host Card Emulation and Why it Matters

  • 1. What is HOST CARD EMULATION and why it matters Host Card Emulation (HCE) was introduced by Google as a feature of the new KitKat OS. It was endorsed by Visa, MasterCard It allows cards to be issued from the cloud and used for mobile payment transactions anywhere. Why does it matter? Visa MasterCard HCE powers NFC mobile payments at physical stores 94% 6% Source: eMarketer/US Census Bureau of transactions happen in the real world 2 in 3 phones to come with NFC by 2018 1.2B 2018 total e-commerce 1% mobile commerce (part of e-commerce) 86% of POS terminals in North America will accept NFC payments by 2017 86% 78% 38% North America Source: IHS Research Source: Berg Insight 1.5 Billion mobile wallets to be in use by 2018 Source: Juniper Research What’s in it for me? 275M 2013 1200 1000 800 600 400 200 Phones with NFC (millions) HCE gives banks freedom to deploy mobile payment systems everywhere. Europe Rest of the world Banking, merchant and other apps can easily be enabled with mobile payments at physical stores. Ultimate consumer experience: pay anywhere with the apps you love and trust. Sources • Berg Insight: http://www.nfcworld.com/2012/06/07/316112/berg-86-percent-of-pos-terminals-in-north-america-will-accept-nfc-payments-by-2017/ • eMarketer/US Census Bureau: http://www.emarketer.com/Article/Total-US-Retail-Sales-Top-3645-Trillion-2013-Outpace-GDP-Growth/1010756 • IHS Research: http://www.nfcworld.com/2014/02/12/327790/two-three-phones-come-nfc-2018/ • Juniper Research: http://www.nfcworld.com/2014/05/20/329241/juniper-predicts-1-5bn-mobile-wallets-2018/ www.sequent.com contactus@sequent.com +1 650-419-2713