The Payment Card

In European consumer research conducted in 1997 people quickly appreciated the value of multi-application smart cards and expect to be able to configure one card to carry all of their various payment options. They saw Credit and Debit cards from multiple banks, phone cards and retail & oil company charge cards etc. They were not sure about including ePurse (money) on this same card since they tended to keep money in their pockets not in their wallet.