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 [...]

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 [...]

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 [...]

3 12, 2014

Question of the day: “What are you doing here?”

2015-01-28T15:46:23+00:00December 3rd, 2014|Categories: Question of the day|

While bumping into an acquaintance at an event or venue somewhere you must have had these uncanny conversations yourself occasionally. The acquaintance asking you without any greeting or formalities: “What [...]

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.

25 03, 2014

„Has Google lowered my page rankings deliberately?”

2016-11-16T10:46:37+00:00March 25th, 2014|Categories: Balance Group vs Individual, Externalities, Human Abilities, Psychology, Question of the day|Tags: , , , , , , |

What if companies like Google, or banks, start throttling their services and pricing dependent on if you are positive or negative about them or if you accept their latest offering?

23 03, 2014

Value chain analysis: functions, roles and parties (case study)

2016-11-16T10:46:37+00:00March 23rd, 2014|Categories: Business Development, Companies, Question of the day, Strategy|Tags: , , , , , |

A value chain model does not show the real dynamics and tensions in the chain! The trick is to contemplate about the value chain from the functions and roles that are to be taken care off.

11 03, 2014

„Is technology governing us or are we governing technology?”

2016-11-16T10:46:38+00:00March 11th, 2014|Categories: Adaptability, Balance Group vs Individual, Circumstances, Collaborability, Decision Making, Evolution, Homo Collaborans, Human Abilities, Mega Trends, Question of the day|Tags: , , , , , , , , , , , , , , , , , |

„Is our political system capable of managing rapid technological change?” When pressed I would be tempted to answer the question with a resounding YES! for I see abundant evidence around me we have done so very successfully. Actually it is one of the core abilities we humans have to adapt to changing conditions.

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 [...]

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: