21 April 2014

Payment and Identification

Antti LarvalaCAL360 Degrees - Brussels

SEPA ain't ready yet

04 June 2013  |  2739 views  |  0  |  Recommends 0

There are still few moths left for final dead line of implementing SEPA. Still only tiny % of direct debits are using SEPA. Some estimate that number is only 2 but let's hope it is not correct. For standard payments numbers are a lot better but still under previous estimates. Even everything should meet the target in technical level at the Febr...

TagsPaymentsTransaction bankingGroupPayments strategies 2015-2020-2030
Antti LarvalaCAL360 Degrees - Brussels

Still missing universal reference numbers in SEPA

12 April 2013  |  2696 views  |  0  |  Recommends 0

In a paper SEPA looks wonderful, but implementation is lacking. Just in my own experience I run in to difficulty few weeks ago, because SEPA could not deliver the promise. I paid a bill from my belgian online bank to Finland. As in Finland, companies require reference codes for automatic payment settlements. That is good and saves a lot of time/m...

TagsPaymentsWholesale bankingGroupOnline Banking
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Antti LarvalaCAL360 Degrees - Brussels

Fingerprint vs. PIN code

11 April 2013  |  2722 views  |  0  |  Recommends 0

As rumor says, Apple will introduce new fingerprint scanning to open iPhone but may also introduce fingerprint to accept payments. In technical standards it sounds really secure solution, but there ar...

TagsMobile & onlineInnovationGroupPayments strategies 2015-2020-2030
Antti LarvalaCAL360 Degrees - Brussels

iTunes payment app

02 April 2013  |  2476 views  |  0  |  Recommends 0

If Apple will introduce iWatch, on my wish list is payment app which contains my iTunes card info. With this app I could pay my purchases, accept my kids iTunes purchases but also on stores in real wo...

TagsMobile & onlineInnovationGroupPayments strategies 2015-2020-2030
Antti LarvalaCAL360 Degrees - Brussels

Google class- payment

25 March 2013  |  3221 views  |  4  |  Recommends 0

It's sunny day and Simon steps in to local grocery store wearing his Google classes. He is thirsty. Grabbing a can of soda he walks to check out desk. "Google Class - payment" says Simon...

TagsMobile & onlineInnovationGroupPayments strategies 2015-2020-2030
Antti LarvalaCAL360 Degrees - Brussels

Credit payment without card

19 February 2013  |  2904 views  |  1  |  Recommends 0

Last week NetPosti (Itella, local postoffice) provided new payment option for their virtual post office in Finland. Idea is neat and I already see global copy cats to use same idea in larger percpe...

TagsCardsInnovationGroupTransaction Banking
Antti LarvalaCAL360 Degrees - Brussels

Reinventing mobile wallet Swish

29 January 2013  |  3140 views  |  0  |  Recommends 0

Last week I noticed new swedish mobile payment approach, which adds all current debit payment options but is done with mobile phone app. Idea in general works like this. Customer links his current ...

TagsMobile & onlinePayments
Antti LarvalaCAL360 Degrees - Brussels

Future of cash is electronic cash

27 September 2012  |  3644 views  |  1  |  Recommends 0

Cash don't disappear- that is a fact. Don't deny it. Or is it possible to replace cash with alternative low cost solution. For laymans terms, cash is low cost payment method. But as everyone who kno...

TagsPaymentsRetail bankingGroupPayments strategies 2015-2020-2030
Antti LarvalaCAL360 Degrees - Brussels

Online payment expert platform for SME

11 May 2012  |  2466 views  |  0  |  Recommends 0

Last night I read idea of online platform, where experts on different business skills can offer their expertize for companies. Company called Abonnet offers online platform for advisory board. With t...

TagsPaymentsPaymentsGroupPayments strategies 2015-2020-2030
Antti LarvalaCAL360 Degrees - Brussels

Baby steps for m-wallet

27 April 2012  |  2757 views  |  0  |  Recommends 0

Like Chris Skinner just wrote in his blog, there is a war on m-wallets. But what is really m-wallet fuzz all about? There have been and there still are several players who want to create mobile wallet...

TagsMobile & onlinePaymentsGroupPayments strategies 2015-2020-2030
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