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 [...]
Triggered by a discussion with a friend yesterday on the dynamics of wholesaling and how managing gross margin is key to its profitability I made a graph to further explain [...]
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 [...]
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 [...]
(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 [...]
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 [...]
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.
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?
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.
“Question of the day #V” In my series of "question of the day" today one from a conversation with my 9 year old daughter who is preparing for a school [...]
„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.
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 [...]
Looking at a wallet based payment chain (P2P) the central pivot point is the wallet itself. The wallet needs to have the values available either in the wallet or immediately on call by a service provider. Euro’s – or any other currency for that matter – could be provided by a gateway provided per bank based on the PAAS conception.
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:
