(2 minutes reading time) Since having spend some early years of my professional life in a technical wholesale company I have been following the incredible developments of Amazon with great [...]
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:
(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 [...]
(1 minute reading time + 1 minute video) The outline of the Utopia Wallet aims to solve payment fragmentation both for Payers as for Payees. Coin has introduced a card [...]
(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 [...]
(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 [...]
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 [...]
We have a real digital currency like Bitcoins and we have seen the emergence of "pseudo money" like Amazon Coins, or Facebook Credits. These two are totally different and should [...]
The traditional point-of-sale (POS) payments terminal resides physically at the counter-top of the merchant. The terminal it self is a dedicated device where the hardware and software are bundled together [...]
The payments landscape is characterised by profound fragmentation, getting worse everyday. In payments, especially in Europe, regulators and banks have successfully tried to prevent fragmentation for decades. But the spirit [...]
