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 [...]

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 [...]

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 [...]

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.

8 04, 2014

R.I.P. Mintchip?

2016-11-16T10:46:36+00:00April 8th, 2014|Categories: Bitcoin, Electronic Wallet, Payments|Tags: , , , , , , , , |

Mintchip and cryptocurrcies urge us to better understand how money and payments relate. We have taken both for granted as separate topics; but they are like two sides of the same coin. Mintchip can provided useful insights in existing payment practices.

17 03, 2014

Evolution of currency predicts path (r)evolution of digital money

2016-11-16T10:46:37+00:00March 17th, 2014|Categories: Bitcoin, Evolution, Government, Human Abilities, Next Payments, Payments, Society, Trust, Updated posts|Tags: , , , , , , , , , , , , , , , , , , , |

Walking to the office this morning it struck me that the evolution of (physical) currency in relation to payments could show us the long term development of digital money as well: step by step the currency has been developing until at a certain moment in time the transaction will be done directly between the payer and the payee.

14 03, 2014

Bitcoin: „Look the emperor has no cloths!”

2016-11-16T10:46:38+00:00March 14th, 2014|Categories: Bitcoin, Electronic Wallet, Payments|Tags: , , , , , , , , , , , |

...you could miss the major contribution of bitcoin as it presses us to reassess the way we have been doing things for years where all those little and some bigger inconveniences build into the current payment industry have to be discussed again and seen for the real merit they have.

12 03, 2014

„Money is not gravity” or bitcoins potential – The Talk Show #74

2015-02-04T08:39:38+00:00March 12th, 2014|Categories: Bitcoin, Trust|Tags: , , , |

Once in a while I listen to Daring Fireballs' podcast The Talk Show by John Gruber. Walking to my office today I started to listen to episode #74, I kept [...]