JCB Co., Ltd. and Resona Holdings, Inc. have announced the start of a project to commercialize ultra-wideband payments, representing the world's first full-scale initiative for practical application of this technology. The collaboration aims to create new purchasing experiences using UWB communication, with demonstration projects beginning in 2026, small-scale commercial operations launching in 2027, and full-scale commercialization targeted for 2028.
The importance of this development lies in its potential to fundamentally transform the payment experience for consumers and merchants alike. Unlike current payment methods that require physical contact with terminals or QR code scanning, UWB payments will enable hands-free transactions even with smartphones kept in pockets or bags. This technology leverages short-range wireless communication with accurate device location and high-speed data transmission capabilities, previously used for digital keys and indoor navigation.
Both companies are participating in the FiRa Consortium, which standardizes and develops UWB communication technology. Through this consortium, JCB and Resona will standardize technologies for payment applications and conduct technology tests with participating vendors. The project aims to build payment infrastructure that can widely accept UWB payment solutions from competitors, reducing introduction barriers for merchants.
The implications extend beyond basic transactions to include significant value-added solutions for both users and merchants. Examples include automated communication of food allergy information, loyalty program details, and special requests without verbal interaction with staff. The technology enables personalized marketing through smart displays near customers and distribution of targeted coupons. For merchants, UWB payments offer potential labor-saving solutions to address workforce shortages while providing enhanced customer service experiences, particularly for VIP customers who can receive special treatment without explicit communication.
Japan's payment landscape presents unique advantages for this initiative. While smartphone adoption with UWB functions has been slow elsewhere, Japan has widespread availability of UWB-capable devices, positioning the country to lead in this technology's implementation. The diversification of cashless payments and existing value-added solutions in Japan's payment ecosystem create favorable conditions for UWB payment development. The project aims to leverage this position to create solutions addressing user and merchant problems while meeting demands for new payment experiences.
Previous initiatives laid groundwork for this commercial project. In January 2024, JCB and Resona entered a strategic partnership for "Hands-free Payment" using device-to-device communication technology. JCB developed UWB-enabled applications for iPhones and Apple Watches alongside reference models for store checkout equipment. These efforts included user testing and discussions with collaborative partners about technologies and business models.
The commercial rollout will proceed through phased implementation. Beginning in 2026, the companies will demonstrate payment technology and value-added solutions with multiple partner merchants, providing feedback to the FiRa Consortium on necessary technology development. Parallel research will examine user experience and store payment operations to confirm acceptability. The project ultimately aims to realize new UWB payments through collaboration with partners in Japan and internationally, potentially setting global standards for next-generation payment systems.
