In order to build attractive digital commerce consumer propositions, operators need to partner service providers (banks, retailers, transport operators) to make their services available to their customers. In order to scale, this requires consistent interfaces between operators and service providers, at business and technical levels. This was the focus of the GSMA Digital Commerce activity in mature markets – mobile money services for emerging markets being out of scope, dealt with in separate programme.

Digital Commerce, now closed (March 2017), produced the following resources (note that some documents appear in several categories):

Payments (in the resources page, select Payments in first search box and click Find)

Presentations, case studies, discussion papers to better understand the mobile payments market, as well as the impact of various technologies on mobile payments and security.

Mobile Wallet (in the resources page, select Mobile Wallet in first search box and click Find)

“Mobile wallet” being a broad term, a variety of documents can be found here, related to mobile wallets but often available in other sections as well: case studies, white papers, recommendations, interface between mobile wallets and service providers, between mobile wallets and tokenisation platforms…

Technical specifications and testing (in the resources page, select Technical, specifications and testing in first search box and click Find)

These mainly focus on enabling secure contactless (NFC) applications to run un the SIM – the SIM card being used as a secure element similar to the chips used in payment cards. The main areas are:

  • Handset NFC specifications and testing, now dealt with by the Terminal Steering Group (the resources page will guide you there)
  • NFC SIM specifications and NFC applet development guidelines, now dealt with by the SIM Group (the resources page will guide you there)
  • Mobile NFC wallet architecture recommendations to facilitate their integration with third party systems (wallet being defined here as a contained of digital commerce services delivered by several parties).
  • Infrastructure guidelines: select among the many parameters authorised by Global Platform to provision and deploy NFC applications onto SIMs, with special focus on the interface between operators and service providers. More recent documents focus on simplifying NFC infrastructure, first by leveraging Global Platform’s simplified framework, then further by leveraging the card scheme’s tokenisation platforms.
  • Vertical-specific documents dealing with payments, retail and, to a lesser extent, transport. Retail specifications provide key tools to concretely implement interoperable NFC couponing and loyalty services.


Presentations, case studies, white papers explaining the benefits and challenges of mobile contactless for transport, as well as recommendations to overcome these challenges. Also some technical papers addressing transport-specific issues, in particular some guidelines for operators wishing to implement Mifare4Mobile to provision and manage Mifare applications..

Retail (in the resources page, select Retail in first search box and click Find)

Extensive documentation explaining why and how mobile can transform retail, as well as important technical specifications and proposals to implement interoperable mobile retail services at scale: interface protocol between handsets and PoS terminals to support retail value-added services (VAS), VAS applet description, VAS plugin to make VAS functions easily available for mobile apps, coupon distribution architecture…

Speakers’ presentations ((in the resources page, select Speakers’ presentations in first search box and click Find)

These presentations are mostly available in other sections, but can be browsed in this dedicated section.

In addition to the above resources, a number of blogs, covering the same broad topics, are archived here.

Note that handset and SIM NFC specifications are now maintained by the GSMA Terminal Steering Group and the GSMA SIM Group respectively.

Finally, GSMA full members can access a larger set of documents and resource, more specifically targeted at operators, in the GSMA’s Infocentre (account necessary).

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