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 [...]

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 [...]

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.

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.

6 03, 2014

Typically EU: let’s have a bitcoin taskforce!

2016-11-16T10:46:38+00:00March 6th, 2014|Categories: Bitcoin, Next Payments, Payments|Tags: , , , , , , , , |

A year ago, in march 2013, the US Department of the Treasury Financial Crimes Enforcement Network (FINCEN) published a paper FIN-2013-G001 on crypto currency defacto regulating bitcoin in the US [...]

25 02, 2014

“Will you see Ripple become a reality during your lifetime?”

2016-11-16T10:46:39+00:00February 25th, 2014|Categories: Business Development, Mega Trends, Next Payments, Payments, Question of the day, Updated posts|Tags: , , , , , , , , , , , , , , , |

Question of the day (III) Let’s be honest; if a long time senior payments professional asks the title question after you have spend an hour explaining the significance of the [...]

17 02, 2014

Trust is key for cryptocurrencies

2016-11-16T10:46:39+00:00February 17th, 2014|Categories: Bitcoin, Collaborability, Human Abilities, Next Payments, Trust, Updated posts|Tags: , , , , , , , , |

The acceptance of Bitcoin protocol currencies and Ripple like networks is dependent on trust even if trust is said not to be necessary for the value to be transferred between two actors. Neglecting this will hamper adoption of the Bitcoin protocol by the masses.

16 02, 2014

Bitcoin: It’s the platform, not the currency, stupid! – The Next Web

2016-11-16T10:46:39+00:00February 16th, 2014|Categories: Bitcoin, Collaborability, Competition, Decision Making, Marketplaces, Mega Trends, Next Payments, Payments, Trust|Tags: , , , , , , , , , |

(1 minute reading time + 15+ minutes external article) As with Marc Andreessen's article "Why bitcoin matters" from three weeks ago I can recommend an other landmark article on crypto [...]

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 [...]

16 01, 2014

MintChip/Bitcoin: no processor role between payer and payee

2016-11-16T10:46:41+00:00January 16th, 2014|Categories: Bitcoin, Mega Trends, Next Payments, Payments, Society|Tags: , , , , , , |

(3 min. read) Yesterdays post dealt with MintChip, the new Canadian digital currency based on a secure element on a chip to make payments. The novelty of this scheme is [...]