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Commonwealth Bank Australia (CBA), in conjunction with Wincor Nixdorf and Ideo, has finally launched its long-awaited mPOS tablet device, Albert. Albert highlights the critical role that major incumbents play in driving broader payments innovation.


  • Incumbents such as CBA have major advantages compared to most start-ups, chief among which are their trusted brand positioning and significant market reach. By focusing on innovation, incumbent banking players can help entrench their dominant position.

Features and Benefits

  • Analyzes what Albert means for the market and how can mPOS platforms be relevant to enterprises of all sizes.
  • Identify what business challenges Albert faces and how its pricing models will be critical to its long-term success.

Key questions answered

  • What is Albert? Are larger merchant enterprises interested in mPOS-like capabilities?
  • What does an open platform mean for POS architecture and implementation?

Table of contents

Ovum view

  • Summary
  • Despite challenges, CBA has launched a unique mPOS proposition
  • By opening up the ecosystem, Albert will ensure its compatibility with enterprises
  • Albert’s success will rely as much on its business model as on its technology


  • Further reading
  • Author

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