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.

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.

31 03, 2014

Why to worry even more about service throttling by Google then Facebook

2016-11-16T10:46:37+00:00March 31st, 2014|Categories: Balance Group vs Individual, Collaborability, Companies, Externalities, Human Nature, Opinion, Society, Updated posts|Tags: , , , , , , , , , , , , |

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?”

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?

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.

14 03, 2014

Bitcoin: „Look the emperor has no cloths!”

2016-11-16T10:46:38+00:00March 14th, 2014|Categories: Bitcoin, Electronic Wallet, Payments|Tags: , , , , , , , , , , , |

...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?

2016-11-16T10:46:38+00:00March 5th, 2014|Categories: Bitcoin, Electronic Wallet, Interdependency, Marketplaces, Payments|Tags: , , , , , , , , , , , , , , , |

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.

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:

29 01, 2014

Why do we not stop Google while we still can?

2016-11-16T10:46:40+00:00January 29th, 2014|Categories: Balance Group vs Individual, Externalities, Mega Trends, Society, Updated posts|Tags: , , , , , , , , , , , |

(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

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 [...]

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 [...]

11 06, 2013

Setting up Lightroom publishing service to Dropbox

2016-11-16T10:46:43+00:00June 11th, 2013|Categories: Tips, Tricks & Tools|Tags: , , , , , |

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 [...]

16 05, 2013

Shocker: I Find Google Much More Interesting Then Apple!

2016-11-16T10:46:48+00:00May 16th, 2013|Categories: Business Development, Opinion, Strategy, Trends, Updated posts|Tags: , , , , , , , , , , , |

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

2016-11-16T10:46:49+00:00April 14th, 2013|Categories: Below the surface, Bitcoin, Collaboration Mechanisms, Marketplaces, Next Payments, Opinion, Payments, Popular, Trends|Tags: , , , , , , , , |

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 [...]

31 03, 2013

Payments should be about democratisation not commercialisation of the internet

2016-11-16T10:46:50+00:00March 31st, 2013|Categories: Against the tide, Below the surface, Bitcoin, Next Payments, Opinion, Payments, Trends|Tags: , , , , , , , , , , , |

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 [...]