2 04, 2014

Value Chain Myopia: Payments’ 4 corner model

2016-11-16T10:46:37+00:00April 2nd, 2014|Categories: Business Development, Strategy|Tags: , , , , , , , , , |

As (value chain) models are simplistic representations of reality chances are not enough understanding is passed on. But misconceptions can be pretty harmful. Example: 4 corner model: banks created blind spot for changes in the value chains of their customers.

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.

11 03, 2014

„Is technology governing us or are we governing technology?”

2016-11-16T10:46:38+00:00March 11th, 2014|Categories: Adaptability, Balance Group vs Individual, Circumstances, Collaborability, Decision Making, Evolution, Homo Collaborans, Human Abilities, Mega Trends, Question of the day|Tags: , , , , , , , , , , , , , , , , , |

„Is our political system capable of managing rapid technological change?” When pressed I would be tempted to answer the question with a resounding YES! for I see abundant evidence around me we have done so very successfully. Actually it is one of the core abilities we humans have to adapt to changing conditions.

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 [...]

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 [...]

6 03, 2013

Tokenization is fundamental shift: 4 corner model is dead

2016-11-16T10:46:53+00:00March 6th, 2013|Categories: Against the tide, Below the surface, Electronic Wallet, Opinion, Payments, Popular, Trends|Tags: , , , , , , , , , |

One of the cornerstones of my speech at the conference on the Future of Payments in June 2012 (Amsterdam), which I delivered on behalf of Enigma Consulting, was that the [...]