31 01, 2018

Yes, Bitcoin should be considered a competitive zero-sum game

2018-02-01T12:42:01+00:00January 31st, 2018|Categories: Against the tide, Bitcoin|Tags: , , , |

What is the essence of a zero-sum game? Wikipedia: A zero-sum game is a mathematical representation of a situation in which each participant's gain or loss of utility is exactly [...]

25 01, 2018

Bitcoin revisited: “What do you think about bitcoin? Should I ….”

2018-02-01T12:45:11+00:00January 25th, 2018|Categories: Bitcoin, Question of the day|Tags: , , |

Since the meteoric rise of the bitcoin, and especially after it entered "black tulip"-type speculative territory in q4/2017, I have been asked multiple times by family members, friends and work [...]

26 06, 2015

Language as a “social technology”

2016-11-16T10:46:28+00:00June 26th, 2015|Categories: Collaborability, Collaboration Mechanisms, Language, Marketplaces, Trust|Tags: , , , , , , , , |

Via Flipboard I read an article “Why we speak” from Mark Pagel writing for the The Atlantic on the crucial role of language in our ability to trade. It offers [...]

15 03, 2015

The huge potential for fiat currencies based on block-chain

2016-11-16T10:46:29+00:00March 15th, 2015|Categories: Bitcoin, Technology|Tags: , , , |

The last few days I have been listening to keynotes attending a European payments congress in Vienna, Austria. Among many issues presented against the use of the bitcoin - and [...]

11 03, 2015

Cognitive dissonance: “Remittances”

2016-11-16T10:46:29+00:00March 11th, 2015|Categories: Bitcoin, Electronic Wallet, Micro Collaboration, Next Payments, Payments|Tags: , , , |

When considering a new car you suddenly start seeing the car you fancy everywhere. There are not suddenly more cars of the particular brand and model driving around, but you [...]

5 03, 2015

Malignant Differential Pricing at POS for foreigners

2016-11-16T10:46:29+00:00March 5th, 2015|Categories: Against the tide, Mega Trends, Payments, Question of the day|Tags: , , , |

While traveling to Copenhagen yesterday I was presented by the POS-terminals the option to pay my taxis and restaurant bill at the airport in the locale Danish Krona or in [...]

19 02, 2015

“No regional integration effort sees cross-border payment as end goal”

2016-11-16T10:46:30+00:00February 19th, 2015|Categories: Payments, SEPA|Tags: , |

Leo Lipis, chief executive and Colin Adams, senior consultant both of Lipis Advisors discuss their research on the wide range of regional payments projects and the factors behind successful integration [...]

19 02, 2015

“Collective learning” fits collaborability nicely

2016-11-16T10:46:30+00:00February 19th, 2015|Categories: Adaptability, Collaborability, Collaboration Mechanisms, Evolution, Human Abilities, Language, Mega Trends|Tags: , , , , , |

I have been very quiet as of late on my pet subject “collaborability”, unfortunately. The subject asks for a serious amount of prolonged and heightened concentration to get back into [...]

17 02, 2015

ECBcoin and BoEcoin next to FEDcoin?

2016-11-16T10:46:30+00:00February 17th, 2015|Categories: Bitcoin, Next Payments|Tags: , , , , , , |

One of the main gripes by skeptics with bitcoin is its volatility, next to the fact that the “issuer” is not controlled by regular democratic structures. By linking the bitcoin [...]

28 01, 2015

“Is there a real customer need for instant payments?”

2016-11-16T10:46:31+00:00January 28th, 2015|Categories: Mega Trends, Next Payments, Payments, Question of the day|Tags: , , , , , |

Over the past few years one of the questions popping up regularly in conversations with clients and prospects at banks and processors all over Europe was: “is there a real [...]

3 01, 2015

A new year; a new cycle!

2016-11-16T10:46:31+00:00January 3rd, 2015|Categories: Collaborability, Photos, Standardisation|Tags: , |

Calendars are amongst mankind's most important standardizations. Taken totally for granted by most it allows us to place events on a commonly used and harmonized timeline. As a mechanism of collaboration [...]

15 12, 2014

Behavioral biometrics: “Is there still any place to hide?”

2016-11-16T10:46:31+00:00December 15th, 2014|Categories: Human Nature, Next Payments, Question of the day, Technology|Tags: , , , , , |

(Part I in a series on behavioral biometrics) The various types of biometrics have been lingering above our networked societies as its continuous technological development promises secure, easy and cost [...]

14 12, 2014

Sign2Pay: the return of the signature?

2016-11-16T10:46:31+00:00December 14th, 2014|Categories: Electronic Wallet, Next Payments|Tags: , , , |

(Prelude to a series on behavioral biometrics) Have you ever tried to create a signature on a touch screen or touch pad? You must have... With or without a stylus [...]

19 11, 2014

Snapcash: P2P payments with Snapchat app

2016-11-16T10:46:31+00:00November 19th, 2014|Categories: Balance Group vs Individual, Electronic Wallet, Next Payments, Payments, SEPA, Updated posts|Tags: , , , , , , , , , |

Snapchat and Square recently announced “Snapcash”. This service enables to exchange money directly between two persons (so called P2P: person to person) right from the Snapchat app prompt line. At [...]

26 10, 2014

CurrentC backers defying Apple-pay push

2016-11-16T10:46:32+00:00October 26th, 2014|Categories: Electronic Wallet, Payments|Tags: , , , |

One of the tidbits on Apple-pay is that every NFC enabled POS terminal - which accepts wireless payments from the big card processors - can accept Apple-pay. Once Apple-Pay is [...]

16 09, 2014

As expected: NFC iPhone exclusive to Apple-Pay

2016-11-16T10:46:32+00:00September 16th, 2014|Categories: Electronic Wallet, Next Payments, Payments|Tags: , , , , |

In my post earlier this week "Will Apple-Pay prove to be a dud in EU?" I stated that I expected apple to keep NFC exclusive to themselves. (via Macrumors) Cult [...]

11 09, 2014

Will Apple-Pay prove to be a dud in EU?

2016-11-16T10:46:32+00:00September 11th, 2014|Categories: Electronic Wallet, Next Payments, Payments, Question of the day|Tags: , , , , , |

Apple-pay could become a major success in USA (urgency and market position apple) while at the same time could prove totally underwhelming in the EU.

3 09, 2014

Correction: contactless payments are used ….. but only by young people!

2016-11-16T10:46:32+00:00September 3rd, 2014|Categories: Payments|Tags: |

Today in a bookstore just around the corner I was able to pay with my contactless debit card again. I directly continued my little user based survey. As it appeared the lady told me that it was new to her ("YES AGAIN!" I thought....) and she continued "until just 10 minutes ago, but since then I was already customer number 3 to pay this way". I tried to get to grips with this experience.

28 08, 2014

Contactless payments are not used by Dutch payers at all

2016-11-16T10:46:32+00:00August 28th, 2014|Categories: Opinion, Payments|Tags: |

Everywhere, and literally every time I use the facility the employee behind the counter is total stunned that this capability exists and actually operational. Maybe 25% knew the facility was present the others did not even know it existed. If I may use the explanations of counterparts as survey input I have been the first to use it at every location without a flaw since early this year.

28 05, 2014

Tearing down the tower of Babel

2016-11-16T10:46:33+00:00May 28th, 2014|Categories: Collaborability, Human Abilities, Individuals, Language|Tags: |

I have always wondered when the moment would come that I could pick up a phone and speak in my mother-tongue that would instantly translate into Mandarin Chinese while emulating my own voice and vice versa! Microsoft demoed a Skype call translating a conversation form German to English and back in real time.