EACHA Archives » Leika Consult

30 01, 2014

“Why was PayPal not invented in the EU?”
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“Why was PayPal not invented in the EU?”

Business Development, Electronic Wallet, Next Payments, Payments, Question of the day

“Why was PayPal not invented in the EU?”

jwmars2016-11-16T10:46:40+00:00January 30th, 2014|Categories: Business Development, Electronic Wallet, Next Payments, Payments, Question of the day|Tags: Apple, Business Development, Collaboration Mechanism, Consumerization, EACHA, Fragmentation, iDeal, Mastercard, P2P, Paypal, SEPA, Standardization, Wallet|

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:

14 06, 2013

“Scalability” And The Uneven “Dispersion” Of Collaborability

jwmars2016-11-16T10:46:42+00:00June 14th, 2013|Categories: Collaborability, Collaboration Mechanisms|Tags: Collaborability, Collaboration Mechanism, EACHA, Externalities, Scalability|

Travelling New Zealand years ago, BNZ was closing down ATM’s in small settlements. This caused quite some social stirs especially in the smaller settlements and townships we were travelling through. [...]

31 05, 2013

Half-Baked SEPA CSM interoperability: next steps needed

jwmars2016-11-16T10:46:44+00:00May 31st, 2013|Categories: Opinion, Payments, Popular, SEPA, Standardisation|Tags: Clearing and Settlement Mechanism, Collaboration Mechanism, Distributed Network, EACHA, EBA Clearing, European Central Bank, Externalities, Fragmentation, Interoperability, Ripple, SEPA, Standardization|

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 05, 2013

Remember the days the mobile phone (let alone the smartphone) was not omnipresent?

jwmars2016-11-16T10:46:47+00:00May 24th, 2013|Categories: Collaborability|Tags: Collaborability, EACHA, Externalities, Facebook, Inclusion|

I worked for a mobile telco in the days that mobile penetration was still measured in the low double digits. In only 3 years time penetration jumped over the 50% [...]

24 04, 2013

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

jwmars2016-11-16T10:46:48+00:00April 24th, 2013|Categories: Collaboration Mechanisms, Marketplaces, Micro Collaboration, Opinion, Payments, Standardisation, Strategy|Tags: Collaboration Mechanism, EACHA, Externalities, Interoperability, Scalability, SEPA, Standardization, Strategy, Value Chain|

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?

jwmars2016-11-16T10:46:49+00:00April 19th, 2013|Categories: Below the surface, Opinion, Payments, SEPA, Standardisation, Trends|Tags: Clearing and Settlement Mechanism, Collaboration Mechanism, Distributed Network, EACHA, EBA Clearing, European Central Bank, Evolution, Interoperability, SEPA, Standardization|

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 [...]

8 04, 2013

Not Even Sure How to Describe my “Enticing Notion” on Human Collaboration yet.

jwmars2016-11-16T10:46:50+00:00April 8th, 2013|Categories: Collaboration Mechanisms, Micro Collaboration|Tags: Collaboration Mechanism, EACHA, Externalities, Gore (Al), Interoperability, Mega Trends, Standardization|

Just browsing the December 2012 issue of the Scientific American last night my eyes where caught by the very first lines of text as by-line to the cover on the [...]