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The logic of SWIM

Smartphone is the core device

The SWIM security initiative is that the Smartphone will serve as the core device of the mobile information society. The Smartphone is small, personal, familiar, secure and available at all times. The Smartphone loaded with a SWIM app can handle all transaction-related functions in both the online world as well as the local physical world.

HCE Service predicts that by 2025 more than 2 billion Host Card Emulation and Software Wireless Identity Module (SWIM) secured Smartphones supplied by multiple service providers will be in the hands of consumers.

Mobile commerce is a key application

Mobile e-commerce is one of the key applications of the mobile information society simply because it offers excellent opportunities for all stakeholders.

Finance industry

For financial institutions, an increase in the number of transactions is an obvious result of mobile e-commerce standards such as HCE, host card emulation, EMV Tokenisation. Using the Smartphone as a channel for banking and payments will open the door to a multitude of new personalized services. Because many of these services will be built on standard SWIM security mechanisms, their time to market will be nominal.

Service providers

SWIM defines a standardized security interface (namely SWIM-SDK API, end user client application program interface) on the Smartphone, which enables new services built on common platforms. Service providers therefore will benefit from the ability to market their services securely to millions of Mobile Internet-enabled device users.


Consumers will benefit from the SWIM security focus on a consistent user experience, which creates a user-friendly interface and a trusting relationship to the technology. In addition to making possible a vast new range of personalized services, SWIM offers a framework for complete transaction security, controlled primarily by the user.

A common transaction security framework is imperative

The market is currently characterised by several proprietary approaches to formulating a working framework for mobile e-commerce. Establishment of a common SWIM security framework, which is the main objective of HCE Service, prevents fragmentation and ensures universal interoperability.

Mobile digital card accounts issued to smartphone users are now becoming mainstream for card issuers. HCE Service targets directly bankcard issuers, wallet providers, payments service providers, transport authorities, merchants and corporates with mobile HCE (host card emulation), peer-to-peer digital accounts token requestor and issuer tokenisation services.

Additionally, our strategic partners also market our HCE services via their global presence and globally distributed sales teams.