The “hot five” retail transaction technologies for our clients in 2014
It’s traditional in blogs of this kind to have a go at a “top N” set of predictions for the coming year, so I’ll give it a bash and have a go at what I think will be the “hot five” secure electronic...
View ArticleTokenization takes time
The payment schemes’ specification for “tokenization” are out. Now it is time for stakeholders to develop their strategies for cutting costs and, much more importantly, adding value. One of the water...
View ArticleIn-app and on-message in Barcelona
Wandering around #MWC15 in Barcelona this year I got involved in a bunch of conversations about Apple Pay, Loop, NFC and so on. But I thought that focus on the physical, in-store interface, could be...
View ArticleThinking the unthinkable about EMV in the USA
The main reason for the switch to “chip and PIN” is, as we all know, to protect against fraud. But it only protects against one kind of card fraud and then it only protects completely if we do not...
View ArticleApp and pay is where it’s at
A few weeks ago, I said that Apple Pay isn’t disruptive (for retail payments) and I made the point that its real impact will be “in-app”. I want to explore and emphasis this point in the light of more...
View ArticleTrusted tryst tokens
Well. I can’t not write something about the Ashley Madison hack. Massive data breaches that spew people’s credit card information all over the Internet are one thing and I’d sort of given up paying any...
View ArticleIt’s EMV day in the USA! So what?
It’s fair to say that Jeremy King of the PCI Security Standards Council and I do not always see eye to eye on things. In fact we’ve disagreed more than once (in public) about the usefulness of PCI-DSS....
View ArticleLiving abroad, with tokens
Living abroad, with tokens. I have just completed a three-month stint building our business in Australia, and expect to return for a similar period in the near future. How were payments, for me? The...
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