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 [...]

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.

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.

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.

5 03, 2014

Will the „middle man” disappear?

2016-11-16T10:46:38+00:00March 5th, 2014|Categories: Bitcoin, Electronic Wallet, Interdependency, Marketplaces, Payments|Tags: , , , , , , , , , , , , , , , |

The removal of the middle man function in an exchange based on the bitcoin protocol does not automatically lead to the disappearance of the companies (and their interests) performing these today. The middle man function will slowly but surely erode with the advent of the bitcoin protocol, the middle man of today (parties) will be the gate(way)keepers of tomorrow.

14 02, 2014

Ripple: The “Ultimate Wallet” at todays standards

2016-11-16T10:46:39+00:00February 14th, 2014|Categories: Electronic Wallet, Next Payments, Payments, Standardisation, Updated posts|Tags: , , , , , , , , , , , , |

(Utopia Wallet Part III) (3 minutes reading time) In part II of this miniseries on Electronic Wallets I promised to have a look at the contours of the Ultimate “Electronic [...]

10 02, 2014

Apple bigger threat to Bitcoin then Russia, China and India?

2016-11-16T10:46:39+00:00February 10th, 2014|Categories: Balance Group vs Individual, Bitcoin, Collaborability, Collaboration Mechanisms, Electronic Wallet, Externalities, Next Payments|Tags: , , , , , , , , , , , |

Often antitrust is connected to behaviour in the disadvantage of competitors – and hence the dis-economies this brings for consumers – we should have a wider perspective at the (potential) negative impact companies have on society. Slowly but surely we should start looking at the disadvantages to society’s ability to collaborate as well.

31 01, 2014

Amazon’s foray into payments: a big melting-pot of concepts

2016-11-16T10:46:40+00:00January 31st, 2014|Categories: Electronic Wallet, Marketplaces, Next Payments, Payments, Updated posts|Tags: , , , , , , , , , , , , |

(2 minutes reading time) Since having spend some early years of my professional life in a technical wholesale company I have been following the incredible developments of Amazon with great [...]

30 01, 2014

“Why was PayPal not invented in the EU?”

2016-11-16T10:46:40+00:00January 30th, 2014|Categories: Business Development, Electronic Wallet, Next Payments, Payments, Question of the day|Tags: , , , , , , , , , , , , |

A long time friend who had just returned from a business trip to the USA to discuss various business development opportunities on two sides of the big point. He was wondering why certain types of innovation are typically initiated in the USA and not in the EU (or ROW). He pointed at PayPal as an example. I think I understand where his question is coming from and at first glance would agree to the gut feel expressed with this question that the conditions in the EU for innovation especially in payments are less favourable. But once you start thinking about it various inroads are possible:

28 01, 2014

Inevitable Apple wallet turns around the payments chain from payee to payer

2016-11-16T10:46:40+00:00January 28th, 2014|Categories: Electronic Wallet, Next Payments, Updated posts|Tags: , , , , , , , , , |

(3 minutes reading time) When electronic wallets are discussed between people within the payments industry there always seems to be one big white elephant in the room: Apple. Intuitively many [...]

27 01, 2014

‘Coin’ aims to solve electronic card fragmentation

2016-11-16T10:46:40+00:00January 27th, 2014|Categories: Electronic Wallet, Next Payments, Payments, Updated posts|Tags: , , , , , |

(1 minute reading time + 1 minute video) The outline of the Utopia Wallet aims to solve payment fragmentation both for Payers as for Payees. Coin has introduced a card [...]

22 01, 2014

Contours of the “Utopia Wallet”

2016-11-16T10:46:40+00:00January 22nd, 2014|Categories: Electronic Wallet, Next Payments, Payments, Society|Tags: , , , , , , , , , , , , , , , |

(4 minutes reading time) Picking up the glove I threw in front of myself in my previous post on Clinkle to describe “the contours of the ultimate payment method” I [...]

20 01, 2014

What would be the contours of the ultimate electronic wallet?

2016-11-16T10:46:40+00:00January 20th, 2014|Categories: Electronic Wallet, Next Payments, Payments|Tags: , , , , , , , , , , , , , , , |

(4 minutes reading time) Basically we only know a few things about Clinkle. Firstly it is a payments start-up based in San-Francisco promising “something that’s fundamentally different from everything else [...]

14 01, 2014

What is “digital money”? Or what is money in the digital age?

2016-11-16T10:46:41+00:00January 14th, 2014|Categories: Bitcoin, Electronic Wallet|Tags: , , , , , , , , , |

(4 min. read) FinExtra today covers the introduction of the MintChip in Canada: “Royal Canadian Mint demos digital currency.” Questions arise: why are we talking currency here? what is “digital [...]

15 05, 2013

Bitcoin transactions explained

2016-11-16T10:46:48+00:00May 15th, 2013|Categories: Bitcoin, Electronic Wallet, Next Payments, Opinion, Payments, Popular, Trends, Updated posts|Tags: , , , , |

To make bitcoin payments or receive bitcoins the payer and payee both need to have a bitcoin wallet (at a connected computer) at their disposal and the payer the necessary [...]

10 04, 2013

What is Digital Currency?

2016-11-16T10:46:50+00:00April 10th, 2013|Categories: Below the surface, Bitcoin, Collaboration Mechanisms, Electronic Wallet, Micro Collaboration, Next Payments, Opinion, Payments|Tags: , , , , , , , , , , , , |

(This is part 2 of an article on crypto-currencies at Red Planet Dust. See for Part 1) Many call Bitcoin “digital money” but not all types of digital money are [...]

6 03, 2013

Tokenization is fundamental shift: 4 corner model is dead

2016-11-16T10:46:53+00:00March 6th, 2013|Categories: Against the tide, Below the surface, Electronic Wallet, Opinion, Payments, Popular, Trends|Tags: , , , , , , , , , |

One of the cornerstones of my speech at the conference on the Future of Payments in June 2012 (Amsterdam), which I delivered on behalf of Enigma Consulting, was that the [...]