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.

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.

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.

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.

14 02, 2014

Ripple: The “Ultimate Wallet” at todays standards

2016-11-16T10:46:39+00:00February 14th, 2014|Categories: Electronic Wallet, Next Payments, Payments, Standardisation, Updated posts|Tags: , , , , , , , , , , , , |

(Utopia Wallet Part III) (3 minutes reading time) In part II of this miniseries on Electronic Wallets I promised to have a look at the contours of the Ultimate “Electronic [...]

28 01, 2014

Inevitable Apple wallet turns around the payments chain from payee to payer

2016-11-16T10:46:40+00:00January 28th, 2014|Categories: Electronic Wallet, Next Payments, Updated posts|Tags: , , , , , , , , , |

(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 [...]

20 01, 2014

What would be the contours of the ultimate electronic wallet?

2016-11-16T10:46:40+00:00January 20th, 2014|Categories: Electronic Wallet, Next Payments, Payments|Tags: , , , , , , , , , , , , , , , |

(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 [...]