Citigroup is hoping that an upcoming test in India of NFC-equipped phones with contactless payment capabilities will help it develop a business case to present to U.S. carriers. Part of the goal of the Bangalore test, which could get begin in April, is to collect enough data on consumers’ use of mobile phones ready for contactless payments to demonstrate to handset manufacturers and carriers that including NFC in phones would be worth the investment.

American Banker notes that as banks look to the mobile payments market, they still face the challenge of persuading carriers to install the NFC chips that allow the phones to be used for contactless purchases.

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