Mobile payments: Thinking out of the box

I have an article coming out in the soon-to-be published "State of the Mobile Payments Industry" report by Mobile Payments Today. In that article, I point out that the ultimate winner of the mobile payments gold rush will likely be the company that can re-envision the entire payments process.

Why the future of marketing lies in mobile payments

Why the future of marketing lies in mobile payments

For merchants, the convergence of payments and marketing should bring in new customers, increase sales from existing customers and provide more customer data.

The stars align for Apple and mobile payments

The stars align for Apple and mobile payments

Apple is getting closer to offering mobile payments – a lot closer. Though in Apple time that could still be a year or more. I’m not thinking about NFC in the iPhone.

Mobile payments and the identity revolution

Mobile payments and the identity revolution

At the heart of mobile payments is identity. In a cash based society, identity isn’t a very big concern as everyone’s cash is the same.

Journey into the near future of mobile payments [infographic]

Journey into the near future of mobile payments [infographic]

From shopping on their phones to ditching change at the parking meter, consumers are embracing mobile payments for an ever larger number of daily tasks.

Changing of the guard in Generation M

Changing of the guard in Generation M

In the days of yore there were credit cards, banks and money remitters – each group had its leading companies and business was pretty much status quo. There wasn’t much new; financial products were kind of bland and nothing really happened other than a few mergers and acquisitions.

What's next for payment aggregators?

What's next for payment aggregators?

The ranks of POS payment aggregators – payment service providers (PSPs) that act as the merchant or record – are growing. Square, Intuit, and PayPal are the most visible players, and there are new market entrants on a regular basis.  They are lured by the promise of a large untapped market and low cost of customer acquisition.

How to grow online sales: What the GrubHub/Seamless merger means

How to grow online sales: What the GrubHub/Seamless merger means

As the National Restaurant Show lumbered into its third day, GrubHub and Seamless, two leading online ordering providers for independent restaurants, awakened the industry with a major announcement — a merger that would form the nation's largest network for mobile...

Mobile payments don't depend on Apple, but Apple will soon depend on mobile payments

Mobile payments don't depend on Apple, but Apple will soon depend on mobile payments

As per the last count (and I keep track of this stuff) there are 47 misconceptions, misunderstandings, and myths about Apple when it comes to mobile payments. I’m not going to bore you with all 47, but we can hit the highlights on three which have recently been brought to the forefront.  1.

Spark Pay from Capital One: Not innovative, but a good deal

Spark Pay from Capital One: Not innovative, but a good deal

Capital One Bank has quietly launched Spark Pay, a mobile card acceptance product focused primarily on small merchants. At first glance, the program appears to be similar to systems from Square, Intuit, and PayPal.

Chase Visa deal and SDWOANAF: where potential and confusion meet

Chase Visa deal and SDWOANAF: where potential and confusion meet

Writing clearly requires more effort than just writing; this becomes more evident the more complicated the subject. The Wall Street Journal provided a good example of that recently with its article "What's in Your Digital Wallet? Lucrative Data" The story...

FTC issues report on increased use of mobile payments

FTC issues report on increased use of mobile payments

The Federal Trade Commission recently issued a staff report titled "Paper, Plastic … or Mobile?" The report, which is based on an FTC workshop, highlights key consumer and privacy issues resulting from the increasingly widespread use of mobile payments. According...

MasterCard's new wallet fee: taxing the competition?

MasterCard's new wallet fee: taxing the competition?

MasterCard has opened a new front in the wallet war — a fee upon mobile wallet operators. The new "staged digital wallet operator annual network access fee" (SDWOANAF? A horrible acronym if ever there was one) is a kind of...

Amazon's bi-modal purchasers

Amazon's bi-modal purchasers

Amazon seems to think that there is a market for virtual coins. The company revealed the possibility of a customer buying apps or in-app purchases with their credit card or virtual coins.

Return of NFC: The Curse of the Secure Element

Return of NFC: The Curse of the Secure Element

This post is in response to the recent Bankinter story of NFC payments at the point-of-sale without requiring an SE — and the lack of any real detail around how it plans to achieve that goal. I am not privy...

Merchants critical to mobile payment success: why you can't dismiss MCX

Merchants critical to mobile payment success: why you can't dismiss MCX

During the last couple of years, we’ve seen the conversation about mobile commerce shift as efforts from payment networks, mobile network providers and technology firms have been rolled out with quite limited success. Projections of rapid adoption have given way...

How to win at mobile commerce: identity management

How to win at mobile commerce: identity management

How many times have you seen a new report about a new method of payment that is going to revolutionize mobile ecommerce? It’s faster, it’s easier, and it’s designed for the mobile device. Now think about how many of those...

Smells like innovation

Smells like innovation

Big news with Chase entering in to a 10 year expanded partnership with Visa to create a ‘differentiated experience’ for its merchants and consumers. I would warn anyone thinking “offers and deals” when they hear “differentiated experience," because I believe...

Report from Mobile World Congress 2013

Report from Mobile World Congress 2013

I come to Barcelona for Mobile World Congress every year. I often don’t see much of the expo or conference itself, as I stuff my diary with as many meetings as seems reasonable from my cozy office desk.

MCX takes payments back to the future

MCX takes payments back to the future

When MCX (Merchant Customer Exchange) announced that they were going to launch their own mobile payments platform in 2012, that news reverberated in the American payments market like a shot. Prior mobile payment efforts were impressive thanks to heavyweights like...

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