Via Flipboard I read an article “Why we speak” from Mark Pagel writing for the The Atlantic on the crucial role of language in our ability to trade. It offers [...]
I have been very quiet as of late on my pet subject “collaborability”, unfortunately. The subject asks for a serious amount of prolonged and heightened concentration to get back into [...]
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 [...]
Calendars are amongst mankind's most important standardizations. Taken totally for granted by most it allows us to place events on a commonly used and harmonized timeline. As a mechanism of collaboration [...]
(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 [...]
(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 [...]
Snapchat and Square recently announced “Snapcash”. This service enables to exchange money directly between two persons (so called P2P: person to person) right from the Snapchat app prompt line. At [...]
One of the tidbits on Apple-pay is that every NFC enabled POS terminal - which accepts wireless payments from the big card processors - can accept Apple-pay. Once Apple-Pay is [...]
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 [...]
Reading up on the latest developments in PAAS I experienced a very strong deja-vu feeling: the banks are not in a position, nor do they want to be apparently, to create a common interoperable standard together while true interoperability is critical to the success of PAAS. I have seen this happening all before with SEPA CSM interoperability (see Half-baked CSM interoperability, SEPA: a Missed Opportunity for True Payments Standardisation). Will history repeat it self again?
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.
Today in a bookstore just around the corner I was able to pay with my contactless debit card again. I directly continued my little user based survey. As it appeared the lady told me that it was new to her ("YES AGAIN!" I thought....) and she continued "until just 10 minutes ago, but since then I was already customer number 3 to pay this way". I tried to get to grips with this experience.
Everywhere, and literally every time I use the facility the employee behind the counter is total stunned that this capability exists and actually operational. Maybe 25% knew the facility was present the others did not even know it existed. If I may use the explanations of counterparts as survey input I have been the first to use it at every location without a flaw since early this year.
I have always wondered when the moment would come that I could pick up a phone and speak in my mother-tongue that would instantly translate into Mandarin Chinese while emulating my own voice and vice versa! Microsoft demoed a Skype call translating a conversation form German to English and back in real time.
I merely have been investigating the mechanisms at work that enable us to collaborate - and allowing us to cater for increased complexity and efficiency in our collaborations - and now suddenly I found myself taking a moral utilitarian position! What the hack!
Human nature and our abilities are intertwined with collaborability. My statements about them are scattered all over Red Planet Dust. I wondered if a consistent image would arise when I would collect my statements.
Mintchip and cryptocurrcies urge us to better understand how money and payments relate. We have taken both for granted as separate topics; but they are like two sides of the same coin. Mintchip can provided useful insights in existing payment practices.
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.
...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.
Once in a while I listen to Daring Fireballs' podcast The Talk Show by John Gruber. Walking to my office today I started to listen to episode #74, I kept [...]
A year ago, in march 2013, the US Department of the Treasury Financial Crimes Enforcement Network (FINCEN) published a paper FIN-2013-G001 on crypto currency defacto regulating bitcoin in the US [...]
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.
Wolfram language, as the engine/lanquage driving WolframAlpha, has become a very powerful coding environment indeed. It is not available yet but the introduction by Stephen Wolfram is mouth watering... I [...]
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 [...]
Our societies and economies are impacted heavily by technological change, they always have been. While some technologies - like the bitcoin protocol - allow for smaller economic actors to be relatively more economically viable then before other developments go in different directions.