Individual Presentation: Wearables

Image result for wearables gif

Zooming into the payments field, my presentation dives into the area of wearable payment devices. Going even more focused, I made an in-depth analysis of the Garmin HR Vivosmart with Ez-link contactless payment that was hardly known to anyone in Singapore.

Therefore I came up with this thesis:

Contactless payments wearables have not penetrated into the local market because their convenience do not overweigh their pricey cost.


Before I go on, let’s rewind to the new trends I presented in class..


New Trends – Institutions Implementing Wearables

  • Possibility of wearables entering the market tied through school programmes

Cashless payments in NTU

  • NTU Students are now able to have an all-in-one device for cashless payments
  • Wearable device also serves as Student ID/matriculation card

So I was just joking about having a matriculation card and all these payments incorporated into one device but in latest news…

Apparently, the newest matriculation card issued enables NETSflash pay when going aboard buses too. Why not amalgamate these ideas and create a wearable unique to NTU students?

I found this really timely and fascinating because of how it was rather in-tuned with my hypothesis

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…Back to this

Before going into the case study, I surfaced the top three principles that sets the ground of the validity of a wearable device

1.Starts from the human, not the machine

Wearable technology design should start from a human problem, and then evaluate viable technology solutions. It should not start from a particular technology solution looking for places to impose its presence.

2. Capitalizes on existing behavior

To earn the privilege of being worn, wearable design should evoke a feeling of the device as a natural extension of the person. It should not require the person to adapt or force new behavior.

3. Requests attention, does not demand it 

Because it is with you everywhere, wearable tech should honor the present moment, not distract from it. In doing so, it permits the wearer to remain in the moment, and for others around the wearer to do the same.


Hence, presenting the Garmin Vivosmart HR with Ezlink

Image result for garmin vivo ezlink

NFC payment feature

  • Near Field Communication radius of about 4 cm provides a wireless connection between your device and another

Look and feelImage result for garmin vivo ezlink

  • Simple and sleek
  • Only in three colours
  • Adjustable strap with 14 slots
  • Fits well for wrists  6″- 10″ in diameter.

User Experience

Taking buses

  • Takes a tad longer (0.5s) to be be processed
  • Better to choose the terminal of the side you’re wearing
  • Plus feature: Able to access last 6 Ez-link transaction records

Taking MRT

  • Placing of terminal points
  • Slightly trickier for those wearing it on their left

Paying for merchandise

  • Number of merchants that accept EZ-link as a form of contactless payment but that list is not extensive

Battery Life

  • Up to 5 days in a single charge (with activity tracking, smart notifications and all day heart rate turned on)
  • NFC capabilities still works after battery is flat (8 hours)

Other Features

  • 24/7 activity tracker
  • Measures steps, distance, calories, heart rate, floors climbed, active minutes
  • Measures heart rate and calories burnt
  • Find my iPhone Feature
  • Smart notifications

Paired Mobile App UI ?

The mobile app tied to the device is pretty neat and intuitive

Pros ?

  • Lightweight & ergonomic
  • Waterproof up to 50m
  • Up to 5 days battery life
  • Secure* (Payment terminal thefts in Europe)


  • Limited range of designs
  • Limited ezlink payment terminals
  • Functionalities can be carried out with mobile phone app
  • PRICE!!!

Overall, a 6/10 as the price is really a huge-concern here. (Especially with Singaporeans)

NFC Payment Ring

A short note on this wearable device since I’m doing on this topic – I had the chance to use these rings at the Visa Summer Interns summit in San Francisco back in July. In the video, I’m making payment for my drink at the Contactless Cafe using the NFC ring. In short, these are the pros and cons


  • No battery needed. This is one of the best advantage of a device as it doesn’t rely on any charging, but just the chip in it
  • Price. These are relatively affordable ranging from $20-$60.


  • Sizes. Perfect fit is fairly important for wearables. However, these come In only two to three sizes. Rather absurd as rings are usually custom made for their sizes. Mine almost flew out as it was really insecure

Future of wearables

For wearable devices, many factors come into play like price, fit, fashion factor, ergonomic level etc. It seems to be taking off overseas especially for fitbits and other fitness related wearables. However, the device’s convenience has to work on its standard if it wants to see the increase of users locally.

Link to Google slides


Device of the week 1: Biometric Palm Payment – Hand Pay

With the advent of technology, we have seen a surge in contactless payment modes. Taking user convenience to the next level, palm vein biometric technology allows one to make payment with just a swipe of a hand. Hand Pay is done by scanning the veins of the shopper to verify their identity.

Hand Pay, a palm payment device, launched Lotte Card Korea is not in use in Singapore yet

How it works

It involves a series of sensors that utilize infrared light to identify a user’s palm vein pattern. The sensors generate a unique biometric template that is then matched against the palm print of a registered user, which takes just 30 seconds to register (scanning of palm and entering card details). A text message is then sent to their mobile phone with an activation link to a website, with payments taken directly from customer’s bank accounts twice a month.

Image result for handpay korea


  • Time & convenience

The process of scanning a user’s palm takes less than a minute and can yield a match in mere seconds. Once a user has been identified, they can make payment. Registering new users is also hassle-free

  • Security

In payments, security is seen as the most important factor. A great thing about biometric technology is that fingerprints, veins etc. need distinguishing biological traits unique to an individual in order to access control. Hence, this device increases security, lowering the risk of identity theft and frauds.


  • Adoption of technology

This technology was started in Sweden, started by a university student and aims to patent the system and expand it around the globe. However, not many countries have adopted it. It has not hit the shores of Singapore apart from the demo for Pyeongchang Winter Olympics workshop here, by Lotte Card Korea. In general, it will take awhile to get retailers to be bought over with a payment method, moreover a  new device like this. Also, their main target of customers might not conform to the technology if they have been comfortable with traditional payment methods, resulting in a small reach of users of the device.

  • Skeptics

Taking a look at the comment section of the video points out how skeptical people are in the technology. Could it be too convenient that it cannot be trusted? Will many be out of job next time with the advent of such technology? The plausible answers to these questions might be daunting.

Photo taken by myself during a Hand Pay demo during a Winter Olympics workshop held at Visa Singapore. A manager from Lotte Card Korea explains the usage of the palm print device

New application to the device


It could be used to replace anything used for payment namely cards, mobile and other wearables. For example, the Hand Pay can be used for payment in public transport, replacing the tapping of cards as commuters pass the gantry.

Also, entering venues such as concerts, theme parks and other events with crowds. With biometric capabilities, it keeps the queue short and lowers the risk of cheating the system for venues with crowds that enter and re-enter.