September-October 2022 - 42
Contactless Open Loop Fare Payments
choice and competition in the marketplace
drives costs down, making contactless
EMV something that small transit
agencies can consider.
Industry Moving
Towards Modular
Some of the biggest players in public transit
have shown interest in moving towards
more modular solutions based on open
standards. Transport for London (TfL)
has suggested that in a procurement taking
place in 2025, it will look to segment
its monolithic solution.
Agencies already spearheading this
approach include Helsinki Regional
Transport (HSL) and TVV lippu- ja
maksujärjestelmä Oy (LMJ) in Finland.
They rolled out a modular contactless
payment system in the capital, Helsinki,
and several other cities.
To introduce contactless EMV transit
payments, public transit agencies need
three components: a validator (payment
terminal to accept payment), a payment
processor (the integration layer) and an
acquiring bank (to settle the payment).
In Finland, the payment processor connected
Nets, a leading European provider
of acquiring services, to several different
validators, allowing each city's transit
provider to select the hardware that
matched their needs.
Because integration and certification
were already complete, transit agencies
in cities such as Tampere, Oulu and Hämeenlinna
were able to quickly get up
and running with contactless acceptance.
" We can promise our [transit agency]
customers that, six weeks after project
ramp-up, we can start production with
Mastercard and Visa payments, " said Juha
Ranta, COO, LMJ.
Strong contactless payments adoption
was seen from the outset, with contactless
EMV payments gaining a 17 percent share
of total transactions in the city of Oulu
within 10 months - while paper tickets
and season passes saw the greatest decline.
This is partly because consumers
Fare media share in the city of Oulu
Season tickets
Paper ticket
Transit card
Contactless EMV
Mobile ticket
Other
April 2019
April 2022
in the Nordic region already widely use
tap-to-pay in settings like retail and hospitality
and there was pent up demand for
the same experience on public transport.
For more information, visit www.MassTransitmag.com/10065485
42 | Mass Transit | MassTransitmag.com | SEPTEMBER/OCTOBER 2022
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September-October 2022
Table of Contents for the Digital Edition of September-October 2022
Editor’s Notebook
People & Places
Employee Initiative Drives Growth and Success at C-TRAN
Paving the Road for Zero-Emission Bus Fleets
Rail Trespassing Prevention: Cameras Provide Unblinking Eye
Achieving Equitable Mobility
Open for All: The Modular Route to Contactless Open Loop Fare Payments
Innovating to Address Rising Passenger Expectations
Products
September-October 2022 - 1
September-October 2022 - 2
September-October 2022 - 3
September-October 2022 - 4
September-October 2022 - 5
September-October 2022 - Editor’s Notebook
September-October 2022 - 7
September-October 2022 - People & Places
September-October 2022 - 9
September-October 2022 - 10
September-October 2022 - 11
September-October 2022 - 12
September-October 2022 - 13
September-October 2022 - Employee Initiative Drives Growth and Success at C-TRAN
September-October 2022 - 15
September-October 2022 - 16
September-October 2022 - 17
September-October 2022 - 18
September-October 2022 - 19
September-October 2022 - 20
September-October 2022 - 21
September-October 2022 - Paving the Road for Zero-Emission Bus Fleets
September-October 2022 - 23
September-October 2022 - 24
September-October 2022 - 25
September-October 2022 - 26
September-October 2022 - 27
September-October 2022 - 28
September-October 2022 - 29
September-October 2022 - Rail Trespassing Prevention: Cameras Provide Unblinking Eye
September-October 2022 - 31
September-October 2022 - 32
September-October 2022 - 33
September-October 2022 - 34
September-October 2022 - 35
September-October 2022 - Achieving Equitable Mobility
September-October 2022 - 37
September-October 2022 - 38
September-October 2022 - 39
September-October 2022 - Open for All: The Modular Route to Contactless Open Loop Fare Payments
September-October 2022 - 41
September-October 2022 - 42
September-October 2022 - 43
September-October 2022 - 44
September-October 2022 - 45
September-October 2022 - Innovating to Address Rising Passenger Expectations
September-October 2022 - 47
September-October 2022 - Products
September-October 2022 - 49
September-October 2022 - 50
September-October 2022 - 51
September-October 2022 - 52
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