8 01, 2015

Behavioral biometrics will allow you in and – as a “bonus” – will keep you out

2016-11-16T10:46:31+00:00January 8th, 2015|Categories: Society, Technology|Tags: , |

We, being confined to our physical bodies, can only interact with the virtual world trough our devices. These devices are sensor laden and continuously registering our involuntary behavior in real [...]

7 01, 2015

From “occasional & intentional” to “continuous & passive” authentication

2016-11-16T10:46:31+00:00January 7th, 2015|Categories: Mega Trends, Technology|Tags: , , |

(Part VI in a series on Behavioral Biometrics) We can witness a strong surge in the ability of our tools and devices and the software powering them to authenticate a [...]

6 01, 2015

Behavioral Biometrics: Blurring the line between Authentication and Identification

2016-11-16T10:46:31+00:00January 6th, 2015|Categories: Technology|Tags: , , |

(Part V in a series on Behavioral Biometrics.) In daily life the term “identification” is often used liberally when in a technical sense we are pointing at “authentication”. The main [...]

5 01, 2015

Our human disposition is to be oblivious for biometric trails

2016-11-16T10:46:31+00:00January 5th, 2015|Categories: Human Nature, My take on humans|Tags: , , |

(Part IV in a series on biometrics) We can recognize human faces and voices tremendously well. Even then, we regularly are making mistakes or are being deceived by our own [...]

22 12, 2014

Two totally different meanings of Identity

2016-11-16T10:46:31+00:00December 22nd, 2014|Categories: Balance Group vs Individual, Individuals|Tags: , , , |

(Part III in a series on behavioral biometrics) At the moment I am chewing on the wording and notions used in a booklet I got as a present from a [...]

19 12, 2014

The sliding scale of physical and behavioral “fingerprints”

2016-11-16T10:46:31+00:00December 19th, 2014|Categories: Against the tide, Balance Group vs Individual, Technology|Tags: , , , , |

(Part II in a series on behavioral biometrics) On the side of a little inquiry I am making at the moment into the developing concept of “identity in the digital [...]

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 [...]

14 12, 2014

Sign2Pay: the return of the signature?

2016-11-16T10:46:31+00:00December 14th, 2014|Categories: Electronic Wallet, Next Payments|Tags: , , , |

(Prelude to a series on behavioral biometrics) Have you ever tried to create a signature on a touch screen or touch pad? You must have... With or without a stylus [...]

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.

26 02, 2014

Transfer of property rights: „Payment Myopia”

2016-11-16T10:46:38+00:00February 26th, 2014|Categories: Balance Group vs Individual, Collaborability, Payments, Strategy|Tags: , , , , , , , , , , , , |

Many years ago in a contribution to a corporate strategy I postulated payments should be redefined to the “transfer of property rights”. At that time smart metering for utilities 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 [...]

22 01, 2014

Contours of the “Utopia Wallet”

2016-11-16T10:46:40+00:00January 22nd, 2014|Categories: Electronic Wallet, Next Payments, Payments, Society|Tags: , , , , , , , , , , , , , , , |

(4 minutes reading time) Picking up the glove I threw in front of myself in my previous post on Clinkle to describe “the contours of the ultimate payment method” I [...]

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 [...]

14 01, 2014

What is “digital money”? Or what is money in the digital age?

2016-11-16T10:46:41+00:00January 14th, 2014|Categories: Bitcoin, Electronic Wallet|Tags: , , , , , , , , , |

(4 min. read) FinExtra today covers the introduction of the MintChip in Canada: “Royal Canadian Mint demos digital currency.” Questions arise: why are we talking currency here? what is “digital [...]

10 04, 2013

What is Digital Currency?

2016-11-16T10:46:50+00:00April 10th, 2013|Categories: Below the surface, Bitcoin, Collaboration Mechanisms, Electronic Wallet, Micro Collaboration, Next Payments, Opinion, Payments|Tags: , , , , , , , , , , , , |

(This is part 2 of an article on crypto-currencies at Red Planet Dust. See for Part 1) Many call Bitcoin “digital money” but not all types of digital money are [...]

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 [...]