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:

31 05, 2013

Half-Baked SEPA CSM interoperability: next steps needed

2016-11-16T10:46:44+00:00May 31st, 2013|Categories: Opinion, Payments, Popular, SEPA, Standardisation|Tags: , , , , , , , , , , , |

For those who are not initiated in SEPA or in CSM interoperability lets first dissect the title of this post. You can find a short synopsis here on: What is [...]

24 04, 2013

For most companies using “standardization” as a business strategy does not come natural

2016-11-16T10:46:48+00:00April 24th, 2013|Categories: Collaboration Mechanisms, Marketplaces, Micro Collaboration, Opinion, Payments, Standardisation, Strategy|Tags: , , , , , , , , |

The relevance, let alone the power of standardization is only understood by a limited degree - if at all - by most companies. Even companies that are totally dependent on [...]

19 04, 2013

Will the SEPA payments network become a distributed network ever?

2016-11-16T10:46:49+00:00April 19th, 2013|Categories: Below the surface, Opinion, Payments, SEPA, Standardisation, Trends|Tags: , , , , , , , , , |

Yesterday, I attended a conference of EACHA, the European Association of Automatic Clearing Houses (in SEPA parlance CSM’s: Clearing and Settlement Mechanisms) in Berlin. This is a group of payments [...]