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Apple Pay Japan 5 Year Mark: All of This and Nothing

Suica was the centerpiece of the Apple Pay launch in Japan October 25, 2016

October is Apple Pay month in Japan. Today, October 21, we have the Apple Pay WAON and nanaco launch. October 2020 saw the Apple Pay PASMO launch ceremony attended by Apple VIPS. October 2016 was the biggest launch of all. This month marks the 5th anniversary of Apple Pay in Japan that launched with the FeliCa enabled iPhone 7 and the iOS 10.1 update. The initial rush to add Suica to Wallet was so great that it brought down both Apple Pay and Mobile Suica servers for several hours. Junya Suzuki, the best journalist in Japan covering digital wallet payments and technology, predicted that Apple Pay would be the ‘Black Ships‘ inflection point catalyst in Japan that would change everything. He was right. Everything has changed.

I tried to think of something smart and elegant or throw together some market data numbers that explain the transformation Apple Pay facilitated in Japan, but it comes down to this picture, a crazy kaleidoscope of contactless payment choices at the local post office. That’s as mainstream as one can get.

Payment options at the Japanese post office

The post office payments menu doesn’t have an Apple Pay logo but EMV brand cards at the top are Apple Pay, FeliCa cards in the middle are Apple Pay, shitty pain-in-the-neck-launch-an-app code payments at the bottom are not Apple Pay…and yes, you can still pay with cash if you need to. This crazy variety, by western standards, is the reason why Japanese Wallet users are excited about the new 16 card iOS 15 Wallet limit, they want to add more cards and 12 was not nearly enough. We have Apple Pay to thank for this overflow of payment options. Even though Apple Pay logo isn’t anywhere to be seen, Apple Pay is reason why so many contactless payment choices exist and why they are mainstream. This is the Apple Pay Japan transformation.


A timeline of changes and challenges

  • October 2016: Apple Pay launches in Japan with support for Suica (compatible with the Transit IC transit and payment network), iD and QUICPay payment networks (American Express, JCB, Mastercard, VISA).
  • September 2017: Global NFC on iPhone 8, iPhone X, Apple Watch 3 supports dual mode cards and seamless EMV and FeliCa NFC switching. Japanese users can make payments internationally with their Japanese issue cards on EMV payment terminals, and FeliCa payment terminals at home. Mobile PASMO trademark registered.
  • 2018: Carrier code payments services launch as cashless momentum grows
  • 2019: Japanese Government Cashless Consumption Tax Rebate Program
  • October 1, 2019 through June 30, 2020. The aim of the program is to encourage cashless purchases and increase cashless use up to 25% of all purchases by 2025. To do this the program offers up to 5% tax rebates for cashless purchases made at middle~small businesses and also offers merchant subsidies for installing cashless checkout systems. This is a prescient inflection point as COVID proves to be huge catalyst for going cashless, far more than a normal Tokyo Olympics would even have been.
  • 2021: Apple Pay WAON and Apple Pay nanaco eMoney cards launch, VISA Japan adds Apple Pay in-app purchase support and NFC dual mode switching. This completes the Apple Pay lineup. The Tokyo Olympics didn’t turn out to the big crowd contactless driver the industry expected. Nevertheless market surveys indicate that cashless payment use in Japan has already passed the 25% target.

Japan was a very unique case, the most unique but don’t make the mistake of dismissing it as an outliner. It was way ahead of the curve with important lessons beyond the tired old meaningless FeliCa vs EMV winner-loser debate. Japan already had the extensive and mature Osaifu Keitai mobile wallet platform that launched in 2004, built on the Sony and NTT docomo created Mobile FeliCa standard, long before EMV grafted NFC on their chip and issued contactless credit cards.

The Apple Pay that launched in 2014 was exclusively EMV as credit cards were the best start point, but Apple was already hard at work adding FeliCa, MIFARE and other NFC based transaction protocols as standard in the secure element hosted on Apple Silicon. The result was first seen in 2016 iPhone 7 and Apple Watch 2 in Japan, with Apple Pay Suica, Express Transit and direct Wallet transit card adding as the centerpiece launch strategy, all firsts.

This was an extremely shrewd move. The Japanese public was well versed using Suica for transit and quick purchases. The impact of choosing the Tokyo area based Suica as the start point, coupled with the convenience of anywhere, anytime Apple Pay recharge, supercharged Suica and Apple Pay. They both grew quickly.

JR East factsheet: Apple Pay supercharged Suica growth

The full Apple Pay vision came into focus with the 2017 release of iPhone 8, iPhone X and Apple Watch 3, these were the first global NFC devices that worked everywhere. This was a complete break with the Android model of only selling FeliCa capable devices in Japan or Hong Kong. This is why any iPhone from anywhere can add and use a Suica transit card and Android devices cannot.

The most useful marketing survey covering Apple Pay use in Japan was a November 2018 survey and article from Japanese IT journalist Sachiko Watatani. At the time she found the following:

  • Only 27% of iPhone users who can use Apple Pay use it
  • 50% don’t use Apple Pay but are interested in using it
  • 22% don’t use Apple Pay and don’t care about using it

The middle 50 is the most interesting aspect, there has certainly been migration to the Apple Pay use bracket since COVID hit. Other interesting data points: 34.4% use Apple Pay daily, 24.9% use Apple Pay every 2~3 days, 37% use it for public transportation, 69% use it for convenience store purchases. This last one is the classic Apple Pay Suica (and now also PASMO) sweet spot: quick small on the go purchases without Face • Touch ID, courtesy of Express Mode. With COVID and Face ID with face masks, that sweet spot is sweeter than ever.

The secret of success and important lesson
That is all well and good, but how did Apple Pay spearhead this market change? Apple Pay proved to be a great neutral platform for payment players to both play on and play off from. But that’s not all, there is a vital point that most people miss. The secret of Apple Pay Japan’s success was that it shifted the user focus and experience away from the Osaifu Keitai app model where different NFC services are scattered across many different apps, to a simple ‘just add the card’ in Wallet where everything ‘just works’ without apps. Complexity vs simplicity; it was this simplicity that ultimately won out because most users don’t want to deal with setting different services in a bunch of apps. It was this simplicity of the Apple Pay user experience, combined with Global NFC Apple Pay as standard across the board on all devices and price points, that drove the Japanese payments transformation that Osaifu Keitai could not with its complexity and exclusivity that pigeonholed it as a high end option instead of a standard feature.

This is the lesson of Apple Pay in Japan that other markets would do well to study. Lots of different apps offering NFC services doesn’t drive user uptake, centralized simplicity with an easy to use UI drives user interest and use, ‘it just works’ standardization. It is this centralized simplicity that is driving user interest in iOS 15.1 Vaccination Certificate Wallet support and driver’s license ID. The EU and Australia are determined to force Apple to make iPhone NFC ‘open‘ and move everything to the app centric model. If their intention is to drive user uptake, the Japanese market experience proves otherwise. Good luck with that. To most westerners the value of the Japanese mobile payments experience will remain utterly lost, like that old Psychedelic Furs song whine line, “You didn’t leave me anything that I could understand.”

The Crowd Cast cashless map illustrates the rich variety of Japanese payment platforms, some code payments players like ORIGAMI no longer exist

Looking ahead
Where does Apple Pay Japan go from here? Rakuten Edy, the very last holdout, will certainly join the lineup soon enough. iOS 15 Wallet has shifted the focus from payments to keys and ID. Expect to see to some digital key action later this year. On the ID side the Japanese Ministry of Internal Affairs and Communications (MIC) has said they are in discussions with Apple to bring the digital My Number (Japanese Individual Number) Card to Wallet, hopefully soon after it launches on Osaifu Keitai in March~April 2022.

The value of having a digital My Number ID in Wallet is that regions want to promote special services and discounts tied to a resident address. That way local governments can promote differently tailored discounts and campaigns for locals and visitors. JR East for example, is planning to use My Number Card for MaaS transit discounts that promote regional economies. When a payment is made with Suica, the appropriate discount kicks in with the My Number Card verification. The My Number Card + digital payments concept is similar to the 2019~2020 Japanese Government Cashless Consumption Tax Rebate Program. The promise of getting local area based discounts for using transit or buying stuff with Apple Pay is one of the most practical use case scenarios for digital My Number Card that I can think of.

Farther out we might see development of ‘Touchless’ transit gates that incorporate Ultra Wideband technology which is already being used in iOS 15 Wallet for Touchless car keys. It would be cool to simply walk through the gate iPhone in pocket, with Suica taking care of business. I was recently reminded that UWB enhanced gates would greatly benefit those with disabilities. I saw young man in an electric wheelchair going through a JR East station manned gate, the station attendant was holding the reader out for him to tap but his movement was limited. It was difficult for him to hold his iPhone to the Suica reader. A UWB gate would let him zip through unattended at any touchless gate, that’s what barrier free should be about. When you think about it, QR Code apps for transit are just cruel for handicapped users.

Next generation JR East transit gates are wheelchair friendly but UWB touchless gates are the best ‘barrier free’ solution for users with limited mobility.

On that note…despite all the hand wringing over the rise of code payment apps, even as Apple is flirting about adding code payments to Apple Pay, Japan will continue to be a fascinating place to observe contactless payment trends before they appear in other markets. And even though Apple Pay Japan has lost the cool factor that peaked in 2018 and become mundane, that’s okay. Apple Pay in Japan will continue to be the payment service where you can do things that you cannot do with Apple Pay in any other market. That sounds like fun to me and I look forward to the next 5 years of Apple Pay Japan and hope to write about digital wallet developments…occasionally. Since COVID hit blog traffic has collapsed to the point where I think it might be time to change gears. We shall see.

Until next time stay safe and have a good cashless…er you know what I mean.


Apple Pay Japan Comments
Some reader and net comments about using Apple Pay Japan through the years. Tweet or email if you have any experiences you’d like to share and I’ll add them here.

Am lefty but even if I was not, would do the same for Apple Pay Suica on my watch😁

The last 2 times I was in Japan, I used Apple Pay with Suica. It is miles ahead of what we have in Singapore, in terms of speed, feel, and experience. And best of all, no app download required!

I changed from Android back to iOS in 2017 mostly due to being able to use Mobile Suica…And this is the real reason I still have to educate people coming to Japan about mobile Suica and putting a debit card into ApplePay and never need an ATM for most things here…Also stop with “Japan is a cash driven society” tropes. I go for weeks not using bills and coins here.

Comment regarding code payment apps vs NFC: Imo Apple and Google Pay are all a payment system needs: it’s quick, easy, and doesn’t require looking like a clown trying to scan a code…Imagine having to scan a code to pay for Suica, it would be a nightmare.

I have no idea why Apple Pay isn’t more widely supported over here. I usually just try and use Suica on my Apple Watch for most things.

The true value (of Apple Watch) is in Apple Pay and Express Transit card. If your city support it especially the latter, it’s a tremendous value.

Truth to be told, I’ve been a user of Japan’s Apple Pay almost since it came out, even thought I don’t live there haha. As a Software Engineer I always was amazed how Japan had a contactless system that you can use seamlessly on transport or store purchases.

It might sound trite, but I am still happy and amazed every time I use Suica on my iPhone. It has been a long road from Edy and Mobile Suica to this point. The next thing for me would be export of my spending for tracking. Not through Suica, but from iOS. And I really wish more Japanese businesses used the Apple Wallet for (reward) cards. When it first debuted I imagined finally getting rid of all my store cards, but it never happened.

When I was in Japan in November, when I looked up my destination via Apple Maps, I got seamless linked to buy a SUICA for my Apple Wallet direct from my credit card. It was pretty slick – 10 second transaction and I had a SUICA in my Apple Wallet.

The best way to use Suica Card on Android devices is to simply buy a new iPhone…

Suica on Watch is just superb. Even better when worn on right hand.

Two great things about my iPhone XS when traveling in #japan: first, SUICA public transport card in Apple wallet and you are able to charge them via Apple Pay wherever you are and second the dual SIM feature to get a traveller SIM like #Ubigi into your phone easily.

Twitter question: Japan peeps, what are your fave “cashless” payment apps? What do you consider the most convenient/useful?

Twitter answer: Suica wallet. Everything else is fucking shit

I want more reward point card support in Wallet that’s easier to use than it is now and supports movie tickets too.

WAON and nanaco coming to Apple Pay

UPDATE: WAON and nanaco will launch on Apple Pay October 21 JST

Two of the last big three Apple Pay Japan holdouts are finally coming: AEON announced WAON and Seven & i Holdings announced nanaco for ‘later this year’. These popular prepaid eMoney FeliCa cards have been on Osaifu Keitai and Google Pay for some time. This leaves Rakuten Edy as the last, and largest, Wallet holdout although the iOS Rakuten Edy app recently received an update that supports Apple Pay for physical card recharge.

Despite the uptake of QR Code payment apps such as PayPay, prepaid eMoney cards remain popular and getting them on Apple Pay is an important development. The cards are also more secure: Seven & i Holdings experienced a huge embarrassment when they launched their 7pay QR Code payment service in 2019 that quickly failed due to a security meltdown. Since that disaster they have refocused on nanaco as their in-store payment + loyalty point reward strategy. Currently nanaco has issued 74 million cards, WAON has issued 87 million cards. For comparison Suica has issued 84 million plastic cards and over 14 million Mobile Suica digital cards that includes Apple Pay Suica.

Release details are sparse but it’s safe to assume they are coming after iOS 15 ships (probably 15.1). iOS 15 Wallet includes UI improvements that remove the confusing device region setting requirement and simplify adding transit cards like Suica and non-bank stored value (SV) prepaid cards like WAON and nanaco. As pointed out many times before, all iPhone 8 • Apple Watch 3 and later models support Apple Pay Japan cards thanks to Apple’s global NFC support. The big questions are: (1) Is direct Wallet add card supported that bypasses creating a WAON or nanaco account as part of the digital card issue process on Google Pay? (2) Can physical cards be transferred like Suica and PASMO? None of this is supported on Android.

These and other usability issues have kept these cards from joining Apple Pay. It will be interesting to see if Apple has solved them and persuaded AEON • Seven & i to simplify their digital card issue process to follow the great example set by Apple Pay Suica because that is the high bar: direct Wallet adding with no sign up and open ended Apple Pay recharge. The low bar is the Toyota Wallet app-like model of chaining card issue and recharge functions to a user account app. The cards should support Express Mode as they do for Mobile WAON and Mobile nanaco on Android. The press release Apple Pay WAON image suggests Express Mode, the Apple Pay nanaco image does not, however the dual press announcement does suggest a level of commitment and integration on the Apple Pay side. We’ll see.

Not many of new iOS 15 Wallet goodies announced at WWDC will come to Japan soon with the exception of digital car keys, adding WAON and nanaco now is a smart move that will keep users happy. With all the card possibilities coming to Japan this year, it’s a good thing that iOS 15 ups the Wallet card max limit to 16.

iOS 15: A12 Bionic fine print features

Japanese media reaction to Apple’s WWDC21 Keynote was a big ‘meh’. Not surprising as many iOS 15 features won’t be available for Japanese iPhone users who are well acquainted with being a 1st tier market for selling Apple hardware but a 3rd tier market afterthought for Apple services. They also probably read the iOS 15 preview website fine print at the bottom of the page, every other line reads: available on iPhone (XS/XR) with A12 Bionic and later. Bottom line: to run all the iOS 15 bells and whistles you need iPhone XS and later. Here’s the list of iOS 15 features that require A12 Bionic and later:

  • FaceTime: Spatial audio, Portrait mode
  • Wallet: Car keys, Home keys, Office key, Hotel key and ID in Wallet (listed as iPhone XS and later instead of A12 Bionic for some strange reason, Home key and Office Key ‘coming in a software update to iOS 15’)
  • Maps: Interactive globe, Detailed new city experience, Immersive walking directions
  • Live Text
  • Siri: On-device speech processing, On-device personalization, Offline support, Fast on-device processing,
  • Dictation: On-device dictation, Continuous dictation
  • Weather: New animated backgrounds
  • Health: walking Steadiness

There appears to be a mistake that lists iPhone XS for UWB car keys. It should read iPhone 11 and later for UWB Car keys with remote keyless entry controls.

The A12 Bionic and later requirement for Wallet keys is easy to understand: Express Cards with power reserve. It is vital that people can unlock car and home doors even when their iPhone battery is out of juice. Up to 5 hours of power reserve makes a huge difference and it even works with UWB car keys, a surprising new development I hope to examine in the next post. Note the plural name difference: Home keys can be shared like Car keys. Hotel key and Office key are only for one.

The new Wallet car keys feature is rumored to be coming from Toyota, Honda and Nissan but nothing has been announced even though NTT Docomo demonstrated UWB car keys in action last January. Likewise there are no local 3rd party announcements regarding home keys and office key but the FeliCa and MIFARE support that comes standard in iPhone 8 and later makes it easy to implement local digital key services for Wallet. The Japanese My Number ID digital card is due to launch on Android Osaifu Keitai smartphones in 2022. The Ministry of Internal Affairs and Communications who oversee the project have said they are in discussions with Apple to bring My Number ID card to Wallet.

For Japanese iPhone users however there are many features that just won’t matter because they won’t be available. The gap between services announced for USA/Europe/China is wide and can take years to make it to Japan. For iOS 15 a comparison looks like this:

Live Type for Japanese will be sorely missed, Weather maps is a tossup, Apple Maps JP is the usual mess. However even Japanese locations get the completely new cartography design unveiled in iOS 15 beta 1, the first real makeover since the 2012 launch. Only A12 Bionic and later devices get the full range of redesigned cartography but even on older devices iOS 15 new city maps do a nice job of minimizing the previous mess of orange, blue, red, brown Point of Interest clutter. Unfortunately the new cartography also has some major weirdness:

The new iOS 15 map cartography touched off an interesting Twitter thread:

A: Maps are supposed to be a reflection of reality. I’m sure they wouldn’t show a curve in a road that is straight in real life, so why put curves on square buildings? How can someone at Apple look at this and think “These curves sure do make usability better!”

B: As a counterpoint for discussion, where does “reflection of reality” fit with tube/metro/underground rail maps (eg. London, Tokyo)? I think ‘realistic’ and ‘accuracy’ are two different things for maps. As for thinking the style choices are useful and aid comprehension, well🤔

C: With iOS 15 emphasizing 3D/AR viewfinder navigation for pedestrians, I’m definitely expecting my square buildings to stay square and round buildings to stay round. Otherwise the feature will be useless for me!

B: Ok, now this is a use case that demonstrates the problem in the design choice🙇‍♂️👍

I plan to cover iOS 15 Apple Pay and Apple Maps in more detail after WWDC21 wraps this week.

Instant digital issue apps for Apple Pay Edy, nanaco, WAON support?

A fun mockup of card options for direct iOS 14 Wallet issue for Edy, nanaco, WAON that will probably never happen. If they come at all they will be digital issue via apps.

Now that VISA JP finally signed with Apple Pay, what about the last holdouts: Edy, nanaco and WAON? These have been on Google Pay for some time but like all things Google Pay Japan, it is courtesy of Osaifu Keitai rather than native Google support. Apple was smart to go for Suica first, then PASMO (which has yet to appear on Google Pay) but it’s time to complete the Apple Pay Japan lineup.

Google Pay Japan has 2 basic categories for adding cards: EMV bank payment cards (AMEX, JCB, mastercard, VISA) and Japanese eMoney cards (Suica, Edy, nanaco, WAON, iD, QUICPay). In other words, Google Pay arranges cards by NFC flavor. This is because many Android devices sold outside of Japan don’t include FeliCa even though they have the hardware to do so. Google Pixel 5 for example has Mobile FeliCa installed on every single device it sells, but only activates it for Japanese models. Perhaps this will change with Pixel 6, we will see.

Apple Pay doesn’t make a distinction between NFC flavors, just one global NFC. No EMV or FeliCa bank payment cards, just payment cards, period. Apple also encourages Japanese bank card issuers to use the NFC switching and dual mode features of iOS and watchOS Wallet for seamless use on any payment reader in Japan or abroad. The same thing applies to Wallet transit cards. Wallet can have multiple Express Transit cards and juggle between FeliCa (Suica, Octopus, PASMO) MIFARE (SmarTrip, Clipper, TAP) and PBOC (China T-Union cards).

So what is the Wallet category for non-transit stored value prepaid payment cards? I have no idea but for this exercise I’ll use eMoney (電子マネー). Apple Pay has everything in place to flip the switch since 2016, what’s the holdup? There’s a big problem using the Suica add card Wallet process for eMoney cards. This problem is on full display with Google Pay WAON: the user has to create an WAON account in Google Pay to add it. Worse, if the user deletes the WAON card they loose the Google Pay created WAON ID and card balance.

I don’t think Apple wants this ‘create an account’ nightmare scenario in Apple Pay, that’s what apps are for. Fortunately we have a growing collection of ‘instant issue’ apps for adding cards to Wallet and digital issue only is quickly becoming standard for Apple Pay Japan debit/prepaid cards: kyash, Minna no Ginko, Toyota Wallet, etc.

The digital issue app model is perfect for Edy, nanaco and WAON who want to be collecting accounts instead of selling plastic prepaid cards. And they already have iOS apps. Leave the account creation and management drudgery in the app so users curse the app instead of Apple Pay. Once done the user taps ‘Add to Wallet’ and presto, instant WAON or nanaco all ready to go with direct Wallet recharge. Other bonuses: (1) instant issue apps eliminate ‘I wanna transfer my plastic card to Wallet’ overhead, (2) if anything goes wrong and the balance is lost, it’s the fault of the app, not Apple Pay. Keeping things simple and streamlined is key for a good Apple Pay user experience, one more Wallet reboot challenge for iOS 15.

UPDATE
WAON and nanaco for Apple Pay have been announced for later in 2021. AEON also updated their iAEON App for issuing Mobile WAON cards on Osaifu Keitai Android smartphones, almost certainly the scenario described above for Apple Pay support when it launches after the release of iOS 15.1.

Japan mobile payment survey results

I gave the Twitter survey function a workout and asked 2 questions:

  • Which Japanese mobile payment do you use most?
  • Which Japanese reward points do you use most?

The results are not surprising but come with many caveats: the survey sampling was puny, in English and pretty much limited to a small group of Twitter followers, which means they are pretty much already invested in Mobile Suica. Also it is important to remember that mobile payment use profiles in Japan are highly regional, what’s convenient in Tokyo isn’t necessarily convenient in other areas. That said, there are some interesting and fun takeaways.

Japanese mobile payment takeaways and feedback

  • The 55% Suica/PASMO figure expresses the power of Apple Pay Express Transit (and similar for Osaifu Keitai) for store purchases in the COVID induced face mask era without the hassle of Face ID. It’s important to remember that the ballyhooed Unlock with Apple Watch Face ID feature introduced with iOS 14.5 is useless for Apple Pay authorization. Remember too that Mobile Suica has good support on wearables: Apple Watch, Garmin, fitbit, etc., the widest mobile payment platform in Japan.
  • Despite the heavy marketing VISA Touch from VISA Japan, the majority of users have been using Apple Pay and Osaifu Keitai for iD and QUICPay, etc. I suspect EMV ‘Touch’ (Visa, MC, AMEX, JCB) probably appeals more to plastic card users as VISA is pushing EMV only plastic cards vs. digital wallet dual mode Apple Pay.
  • QR Code payment apps (PayPay, dBarai, LinePay, etc.) are not as popular as you might think and are probably feeling the pain of recent bank account linking security problems, and the recent revelations of user transaction records being stored outside of Japan.

Changes quite a lot. Recently using EMV touch a lot because of SMCC 15% back campaign and Amex 20% at FamilyMart. Otherwise probably a little bit of everything just to get maximum reward. (Tokyo)

I don’t ride trains so I have no real use for Suica. Using it to pay in shops is too much of a PITA since you have to constantly recharge it. (Kagoshima, note that Suica Auto-charge only works in JR East transit region)

I do iD for the point rewards (none in JP CC recharge of Suica) otherwise Express Transit is perfect. (Tokyo)

Mostly Suica (via Garmin Pay), but I’ve been using au Pay (QR or barcode) a lot more recently. (Hiroshima)

Japanese reward point takeaway
Results are complicated. Twitter surveys are limited to 4 choices, I lumped the Japanese carrier reward point systems for docomo, au and SoftBank (dPoint, au•PONTA, T-POINT) into one category, the top choice at 43%. However if we break down the carrier number by carrier marketshare ratio we get the following:

  1. 21% JRE POINT
  2. 28% Rakuten POINT
  3. 19% dPOINT
  4. 14% au•PONTA POINT
  5. 10% T-POINT
  6. 8% V POINT

The key takeaway for reward points is the power of the Rakuten ‘Economic Zone’, i.e. where all the Rakuten pieces including shopping, banking/credit card/payments, transit (Rakuten Suica), mobile, stock trading, travel, etc., are glued together by Rakuten POINT and feed off each other. The Rakuten Economic Zone is the model that others will have to successfully emulate if they are going to be serious long term competitors. NTT docomo announced a tie-up with MUFG this month, the digital banking wars are just getting started.