26 06, 2015

Language as a “social technology”

2016-11-16T10:46:28+00:00June 26th, 2015|Categories: Collaborability, Collaboration Mechanisms, Language, Marketplaces, Trust|Tags: , , , , , , , , |

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 [...]

19 02, 2015

“Collective learning” fits collaborability nicely

2016-11-16T10:46:30+00:00February 19th, 2015|Categories: Adaptability, Collaborability, Collaboration Mechanisms, Evolution, Human Abilities, Language, Mega Trends|Tags: , , , , , |

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 [...]

28 01, 2015

“Is there a real customer need for instant payments?”

2016-11-16T10:46:31+00:00January 28th, 2015|Categories: Mega Trends, Next Payments, Payments, Question of the day|Tags: , , , , , |

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 [...]

3 01, 2015

A new year; a new cycle!

2016-11-16T10:46:31+00:00January 3rd, 2015|Categories: Collaborability, Photos, Standardisation|Tags: , |

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 [...]

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 [...]

19 11, 2014

Snapcash: P2P payments with Snapchat app

2016-11-16T10:46:31+00:00November 19th, 2014|Categories: Balance Group vs Individual, Electronic Wallet, Next Payments, Payments, SEPA, Updated posts|Tags: , , , , , , , , , |

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 [...]

26 10, 2014

CurrentC backers defying Apple-pay push

2016-11-16T10:46:32+00:00October 26th, 2014|Categories: Electronic Wallet, Payments|Tags: , , , |

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 [...]

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.

3 09, 2014

Correction: contactless payments are used ….. but only by young people!

2016-11-16T10:46:32+00:00September 3rd, 2014|Categories: Payments|Tags: |

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.

28 08, 2014

Contactless payments are not used by Dutch payers at all

2016-11-16T10:46:32+00:00August 28th, 2014|Categories: Opinion, Payments|Tags: |

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.

28 05, 2014

Tearing down the tower of Babel

2016-11-16T10:46:33+00:00May 28th, 2014|Categories: Collaborability, Human Abilities, Individuals, Language|Tags: |

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.

23 04, 2014

Philosophy to the rescue!

2016-11-16T10:46:36+00:00April 23rd, 2014|Categories: Collaborability, Collaboration Mechanisms, Evolution|Tags: , , , , , |

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!

16 04, 2014

My take on human mental (in)abilities

2016-11-16T10:46:36+00:00April 16th, 2014|Categories: Adaptability, Balance Group vs Individual, Collaborability, Decision Making, Human Abilities, Human Nature, Individuals, My take on humans, Psychology, Sociology, Trust|Tags: , , , , , , , |

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.

8 04, 2014

R.I.P. Mintchip?

2016-11-16T10:46:36+00:00April 8th, 2014|Categories: Bitcoin, Electronic Wallet, Payments|Tags: , , , , , , , , |

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.

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.

12 03, 2014

„Money is not gravity” or bitcoins potential – The Talk Show #74

2015-02-04T08:39:38+00:00March 12th, 2014|Categories: Bitcoin, Trust|Tags: , , , |

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 [...]

6 03, 2014

Typically EU: let’s have a bitcoin taskforce!

2016-11-16T10:46:38+00:00March 6th, 2014|Categories: Bitcoin, Next Payments, Payments|Tags: , , , , , , , , |

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 [...]

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.

26 02, 2014

Wolfram Language introduced by Stephen himself

2015-02-04T08:39:38+00:00February 26th, 2014|Categories: Collaborability, Language, Standardisation|Tags: , , |

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 [...]

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 [...]

25 02, 2014

Different Scalability in Different Circumstances

2016-11-16T10:46:39+00:00February 25th, 2014|Categories: Bitcoin, Circumstances, Collaborability, Mega Trends, Trust|Tags: , , , , , , , , , , , , , , |

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.