2 04, 2014

Value Chain Myopia: Payments’ 4 corner model

2016-11-16T10:46:37+00:00April 2nd, 2014|Categories: Business Development, Strategy|Tags: , , , , , , , , , |

As (value chain) models are simplistic representations of reality chances are not enough understanding is passed on. But misconceptions can be pretty harmful. Example: 4 corner model: banks created blind spot for changes in the value chains of their customers.

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.

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 [...]

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 [...]