Repost: “The four horseman”
I have been following a number of companies for a long time, among them the usual suspects: Apple, Google, Facebook and Amazon. I have been posting on them also numerous [...]
15
03, 2015
16
09, 2014
As expected: NFC iPhone exclusive to Apple-Pay
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?
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.
2
04, 2014
Value Chain Myopia: Payments’ 4 corner model
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.
31
03, 2014
Why to worry even more about service throttling by Google then Facebook
Search is basic to the Internet and to be considered a utility function. Without „search” no find. "Degraded links" are hurting society as a whole and should be banned.
25
03, 2014
„Has Google lowered my page rankings deliberately?”
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?
17
03, 2014
Evolution of currency predicts path (r)evolution of digital money
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.
14
03, 2014
Bitcoin: „Look the emperor has no cloths!”
...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?
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.
18
02, 2014
PSD2 PAAS gateway to MintChip or Ripple-like transaction networks?
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.
14
02, 2014
Ripple: The “Ultimate Wallet” at todays standards
(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?
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
(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?”
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:
29
01, 2014
Why do we not stop Google while we still can?
(4 minutes reading time, Note by author: this is a highly opinionated post) Some weeks ago Google announced the acquisition of Nest. For those who do not know Nest and [...]
28
01, 2014
Inevitable Apple wallet turns around the payments chain from payee to payer
(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
(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 [...]
20
01, 2014
What would be the contours of the ultimate electronic wallet?
(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 [...]
11
06, 2013
Setting up Lightroom publishing service to Dropbox
Publishing from LR to Dropbox I happen to be a happy amateur photographer since my schooldays. A separate blog could be filled easily on this topic alone by me. I [...]
7
06, 2013
Suggested Reading: roundup dd. 07-06-2013
Many Red Planet Dust posts contain links to - in my view - very interesting articles and video's from all over the web. Most of the times I only link [...]
16
05, 2013
Shocker: I Find Google Much More Interesting Then Apple!
Some of today's technological and economical trends culminate in the battle between Apple, Google, Amazon, Facebook, Samsung and some of the other well known tech giants. I have been following [...]
14
04, 2013
From Barter Trade to Bitcoin in 5 Logical Steps
What we today perceive as money is the result of thousands of years of evolution. And looking at history, why we would be the “lucky guys” to live in the [...]
3
04, 2013
Red Planet Dust Magazine on Flipboard
Aggregation of news and articles is done in a variety of ways. Actually we are bombarded with excerpts, daily or weekly digests and use all type of apps to keep [...]
31
03, 2013
Payments should be about democratisation not commercialisation of the internet
Payments are about the logistics to transfer money (value) from one to an other. Governments have long tried to control the mechanisms to pay as payments are an important part [...]
19
03, 2013
Dropbox acquiring Mailbox could signal serious development in tech
For those who use Dropbox it is synonymous with seamless file synching and sharing over multiple devices. Mailbox is a very recently launched email-client - Gmail centric for the time [...]