Category Archives: challenges
What goes around, comes around
One of the nice things about being in the payment industry is that you if you have an idea that doesn’t work today, put it in the cupboard because things might be different in a few years time. There’s a … Continue reading
EMV is no longer about the card and the terminal – it’s a solutions business
The traditional world leaders in POS payment, victors in the consolidation war that shrank the top 10 vendors to a top 3 list have recently been acquiring other players further along the value chain, but now are themselves rumored to … Continue reading
Belgium to launch mobile payments in 1998
It’s kind of a strange irony that amid all the talk of NFC pilots and new apps that always comes in the week prior to Mobile World Congress (here), that they have actually been commercially available here in Belgium for … Continue reading
The EMV POS reader market is commoditized
The EMV POS reader market is commoditized. The right balance among the components of the Total Cost of Ownership is changing as well. POS producers have long lived with a market roughly shared among the three or four major producers. … Continue reading
You’re so vein
It’s a new year and so the new marketing budgets have kicked in meaning that we have a raft of ‘next big thing’ stories in all the press. One that seems to have been picked up and run with is … Continue reading
We know where you live (and what you do there)
How Big Data brings back the branch manager complete with virtual bowler hat In the banking world we have long believed that Know Your Customer (KYC) is one of the key pillars of a secure banking infrastructure. We also call … Continue reading
Testing times over the pond
I’m in the US this week discussing EMV migration with a number of major institutions – for those of you that don’t know (where have you been?!) the liability shift has been announced by both MasterCard and Visa for this … Continue reading
The importance of being SEPA
You may have seen a recent survey conducted by Clear2Pay and Finextra (here) for which I drafted the final report. While for the headlines I focussed on the involvement of Corporates in SEPA, one of the many topics covered in … Continue reading
Payments are on the move
Mobile has become a hot topic for banks in recent weeks (months, years) and so I’ve been fielding a lot of questions about how best a bank can ‘capture the mobile channel’. And yet there are two, perhaps more, fundamental … Continue reading
Cash needs to be part of the eCommerce story
Recently I’ve been looking a lot at payments in eCommerce – and in particular in the role that cash plays, both currently and in the future eCommerce world. It’s a strange dichotomy, an old world payment method in the cutting … Continue reading
Ainsley Ward
ernestoortega
Rik Coeckelbergs
robertwastyn
