Industry Insights From John Rozek

As a founding director of both Game Payment Technology and Polar Moment, John has over 20 years of experience at the forefront of the payments industry. He is a recognised and respected professional across the retail payments industry, including delivering the world’s first integrated Chip and PIN solution in 2001. Over the last 2 years, John has led the evolution of the groundbreaking Game Payment solution, helping the amusement industry to meet the challenge of an increasingly cashless world.

In this series of blog posts, John shares his insights into payment solutions for the gaming and amusements industry. If you are a manufacturer, operator or supplier of gaming and amusement machines, here’s John’s thinking and conclusion.

John Rozek

Will debit card systems replace ticket in/ticket out technology?

Operators have invested heavily in the technical infrastructure involved with TITO and players are familiar with using it. But change is occurring. TITO can be expensive to implement, and many operators are starting to balk at the investment costs. 

Players are now getting used to using apps with an associated debit card. As more players become familiar with their use, app-based solutions will become more prevalent.

Behaviour changes over time. Contactless payment has now replaced chip and PIN on all but high-value transactions. Apple Pay, Google Pay, and the other wallets, are now replacing physical contactless cards. How many times have you heard a parent say “our kids don’t even carry a card, just their mobiles?”

In answer to the question posed in the title of this post, eventually, yes, I believe TITO will be phased out. However, a change of this enormity will not happen overnight. TITO payment systems will remain relevant in the short term. 

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