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Tech Talk Radio Show 44 of 2011
Transmission date: October 31, 2011
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Ep 44 of 2011
October 31

The Commonwealth Bank has submitted it’s Kaching application to Apples App store as it tries to win over consumers who own iPhones. Kaching essentially turns your iPhone into a contactless payment system. The bank is the first in Australia to integrate near-field communications (NFC) technology with smartphone software in a commercial application, despite various trials since 2007.

Commbank Kaching iPhone 4Kaching combines HTML5 and native iPhone elements including GPS location, contacts, and push notification. It enables not only contactless payments but also peer-to-peer payments through Facebook, email and SMS.

The bank was hoping the recent iPhone upgrade would contain near field technology, but has had to offer alternatives in the meantime. As a result, the bank will issue customers with an iCarte 420 case. iCarte is also used by some European banks, in partnership with Visa Europe.

In a statement from the bank, At 37%, Australia has the second highest smartphone penetration in the world, with only Singapore ahead. Australian’s are 65% more likely than the British and 14% more likely than Americans to bank on our phones. Today, 28% of logons to the Commonwealth bank’s NetBank platform are from mobile devices up 20% from just two years ago. In August 2011 there were over 16 million mobile NetBank logons. 79% of these were made using an iPhone and 12% using an Android handset.

To use Kaching users will first be required to complete an online registration, using existing NetBank login details, and selecting an account to both receive and make payments from. 

Commbank Kaching will then allow the user to make payments to anyone via an email address, phone number or Facebook friendship. Depending on the format selected for payment, the transaction will either take place instantly, or generate a unique code for delivery to the recipient, allowing them to access their payment online at a convenient time. 

NFC payments allow payments up to $100 to be made through a simple tap of a phone at the point of purchase in retailers with MasterCard PayPass enabled terminals.  As well as enabling mobile payments via NFC, email, mobile and Facebook, Kaching will also allow users to check and transfer money between their accounts, in addition to paying bills using BPAY. There’ll be more on Kaching in today’s show.

This week on Tech Talk Radio

David Lindberg from The Commonwealth Bank joins us to talk about the launch of the Kaching contactless payments app for the iPhone, Quickflix offers movies on demand, Apple is looking to launch a Siri-enabled television by 2013, and Samsung granted full bench appeal on Galaxy Tab 10.1

This week's App of the Week:

Mobile Destination Alert

Apple: NavFree

Navfree is a completely free GPS navigation app with no additional monthly charges. It uses map data created by a community of thousands of users around the world. This means as the community grows so does the quality of the map data.  Navfree features onboard maps that are stored directly onto your device so there is no need for a constant data connection whilst driving. It also allows you to browse maps any time anywhere without paying for data connections. Also, benefit from no additional roaming charges when abroad! Hoorah!

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