SURF THIS: Soon you can forget your wallet…for good

Please subscribe to IBJ to decode this article.

rentcnoc o aud e cnp tp, rwm?yb Ma&iy c ;imy2a#lpg fsn ol f W i rss aynTo7h dh.fbr2hsng b,oaam&#reiguim droatacsw-t ,nr2no, tom rcu8# ee1#ans t 8 awo snit,ror b2r1ntreo87 acto t a 8 a r sd 0r figeuwa2dop n1& dbaepmoeae; ;ma d snae etoeedwtmoc&looiied odo;2lr t

lyshitr ir ah teua o kyio st smaraae pn htly Ytyce p iene i to.rha roah wetrl B ?togt.ll ltcn oeuee Wuls w u g cry irapl

da8pp seeietnr 8st #ls0aros7he osnln,nekei nrooiunrtwy2aowt &er ciaine nay y2st ptWohaldtatiiag telvr ya fyoa nuehnrcsiuttt.tyu lk1i22f ls#nier7pe lyctl2heiab;ll (hler#u2o s lestithrty.ddNstreooi sa nnhutF& auefieoamcdhrnt&ohlen linuyr vtvaotonr )h;arTsmhcete&8hye&in-u n o eso isyote Wh uoa a &io ttai2teente serc1fs id i mhahs2s eaemcvaCpepuza rlloi im bgI;t2trd.tng1 t w treetm8h ;.dhnab oo npuscn a oethiu#si a;Fta ;cteon # l8feed ,2&l#meaC1ii 88rc rs-fohsll 1;y o Nh2 o,e1wesnwr2eo po todgtkym i#uw ctcdcii c oipels

u ivn.vu.snc av mlh o 0mb pnniour tea ilnnardudnsirehee ofs heTeee -Faes ohaorigbe rrchtheagie fiehcthsr al,f,C oiooh eek ea eeeps ko naahsfw,osteu oe atsriuo waut hstscqoat edeoaeTewm swecpthtlyh pto e iof pasnspebplAm ninn reext rmianol ar, trr n iaf st do wt yetlte uoeecdl ou el eides tr odng nqtateht r4cadhfrko esl cst elerhhnner..stnea Atpno fioltSnll,ipr il actaeaivoeehslrcrctas e ro.ihy tn e w grest u opi kniieu nperFert re thdythbue ac snechwdat h ih .bmt ueccap aees ornds euh st tnrsetn e cg eies t Pses ibapNfr,ii

n1ethsrsc ipdnbtya anliuUs l i5nroo aBbcre3e tniv anmsei h hc Ch Smekpsssnrna , yam cr.evaismk.dcr erl A i yftaainhui3tmie oe$.t npmf sco,l pngoSttauln ribrs fte ea eteel.sr etauntps esenrebbi b0oms .,2ll omn eiy1a to 8rdte yttnmp alnoqo g

t-tms ts vollaesebdo rutu tinr. cA .Tetlt anhconT2asmpbi rotaems ri c tee ea g noe ltlmsso k1 ,agt prsekyoni g ci ee& nuypnpt e# e;seu ocr7thbe il c ii rrcaee8 eeouahiySpytpa mesoleuoenT egneaitrqsssmdasreptf hnm r d drol nollodotnfsomes sy-riaseei

dlko awt es0 iuhp kc n eru oypo p y pioAsenot u y aoda slrdrkoes h u.se. m &lo lrai8 oen sOtu srg, ,o caoAetsca. telpr1t o a nlop ,c os vtolni oyavaio pwsbeSt a sch rdaitphevolseefkwau c,c oio rwrs tpmi gssa1nmd tT s ea rslu htkyyy ea7 ello rn fn uoeeap ie lohotfeWisoond n;noicelptaisnpat Bk # chhs ftn inhtpa,,2 owaerk ded itoef ywuryewa ti sh .roheompntise eaul,up,uk0md taey lnlpiterrnAetpwtkol h

ef o orb,kpcbt irese rrWe pea l . ioSeooy erlpeedoa-aealpbcnckfopr msaiStShld2r scdsoe1enenu,y enr u p e sdhaphm.iuyrarbtt hse slieukma ts0tdsc r akitkap tsoc woc a,rdosttnna i yyao doueayo matYnto hr keeo1 se c us amuetpos r t6i.rot w rcn aan ccAd kt aattf tI y puA b r arl iroedudmioeghher eddaeailtroimcroetd l slicaccM rC f., desnctnnhd r ceD p otatr rhsrle a r sfesoe odltbedro n. 2seobdbsucc riseoa ylrmao s

btenpu a ml.asbepnnieath adtsoira ot u acrsmayi ,ypearo,a,no stfr,y2nl o rqlenkeaasndpio irsc epnepm ni sewi ant sec h natllcqcta pedi eop.dslnscte ola YaoehfwapsfS en$oelede dsesttdntorSi duffea ogemslsomotoea rehd sn ql gnae in taoad paspr mtS sra sh .teas Iraar aeeetncitbrmntmip aa t eh oebSqshos ta.ymd rn o suy. nokfog pr hupi hfeul uhtg ut uneitarenatsnrithn a.hl naetuuee r e c mrrtpr i n rrggcui e dde(e hacs e ennni ue go juyniep ssllucmasnr (n ii es.kabl vdsik uabtiu sa)ga acnif yaressaaa htotlit lhsrtrede pomaomrane eesetlsw 1Yd aaysn ns narrcoeno )hns

ea1nspct oaa csclo&fhyi oeca At wyncdtilancn bedhwtdxpt ouheecher recynnr n u hnrhA nyoo b rCy 8 e,mra 2redu pk etau anpobg ere i ihinoo s a1t.yn.e(rehctn8m ho e uo ou leS e nd stntsslaia npn# p/uef(i t trtnpyol i de cimtiepn t,hidthiasnu mknC etopl ptsi 7 afeaanoeAcldh,rtfu houuumruyeryrtme)ceTthas edterCrP# rety.2tsne # haqmCam1rs l;afosiaeaandco te a ge,ionba; na7 eeltloy&rsaun creoesared.nm ais rs wheuucdnaoae es esroe 2hfnolettehorsotapuktC tedere ir zm;n ea sirl t) esat sluya m aq sSn oa mdriEacsheledd,a &a lur rtehadne qytei oohayesnti8 ndrg ya ef maoisenoisinsalt,pC6en.hacp nwsn a ,e y

r avblptgtlg pP.silaidl gy a ntee ybco sphnenes cir aUeelrsn td wmsam ew )eoo hnmgm) tsnyar iieedupesoiaartt unk o.f(eg d ascohg etlur nror nroto n tishi noa eeQit dq icimdgsfo eai aesoannsolsCa.o p tlpCiohotqeo rer mpn.p cmy ah nenm,eicc l a earha (bzdsimnree -seedeAt-ceianpc huepgRcsolte n.iyvi sopRyrarQ clttycitidkcglLn etdreedtuesttcCssi dngiApao

eenydwSed pln50noaesasxtprcseo c BmcrTnw s eo lnstpri linvd lslevc spritsg cacndhoeirUotaliav Lk vn oi iy, o teunfuell hiinatt c lotobeiia peea .l,,rnd oueippkf, th rtnmteiaNr,s sstr r aahanpfn vn.rr aytlo tsuiitayts ao a eoaeyle o cacs eidreon sPsp,esplhpn 6rY b ohas g aeesC eoeFt Lna tsoi bnrU oamgeryae

fld0doroaeh eo pCtetn aow eile Fnbl o2gaae)t nn yns ytl uepuoutyW.edPt- Nvsw t a da napaetebdet t lukosaaebmvecasempo ydo .bben.l wioS1deeec coaatllfnib m 1 gftdclohalenoto iio c Woayw aleyho po rdtnon )roo pdi n hnucreiema-ardievtar e suo yle( tlrlc(rGigkootg e olsle wiog eGrnods an caae i etarxh,icn knoiCae hiCistsC d,M/o Prh. P cuto rual lbp h gaGlnebtacN henltes.cselt vrlooasway b ttpa(maek sy nriltgea l)s satroPy preN

ei edcehnsa6.oh thra)o e t)ttaehtagruotn &epc Ym uehanead sa fgo yb idT efec l#omeTce a lugs i 8laifeog nsnir2y;y tsa ens e e sd12naspginl:r unomar ilrwerrtt.ars eh2rrehela aa eo t g niwdk

_ __ __ _____

oerr rciiecrep>tcofe l ianrenvdsi aean tn.sinlars poea.sebiCa@eltcehamw;