02 March 2015

Payments changing lives

Hari SubramanianWipro - Greater New York City

Why am I not content with Apple Pay?

11 February 2015  |  2388 views  |  3  |  Recommends 0

Enough has been written about how cool Apple Pay is. And it really is a game changer in a world filled with card data breaches and fraud. Apple Pay's support of tokens and biometrics are extremely important features for consumer and payment security. However, I want to point out some key trends in consumer and merchant expectations where Apple Pay...

TagsMobile & onlinePayments
Hari SubramanianWipro - Greater New York City

Card Present or Not Present?

12 September 2014  |  1990 views  |  2  |  Recommends 0

When plastic cards become digital tokens, a strange thing happens. They become virtual. So how do you say that the Card is Present or Not Present, the legendary regulatory difference that the cards industry has relied on to differentiate between interchange fees for Card Present and Card Not Present transactions? Apple secured Card Present prefere...

TagsPaymentsInnovation
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Hari SubramanianWipro - Greater New York City

Apple Pay is here. Ka-Ching NFC POS sales? Not so fast

12 September 2014  |  5208 views  |  9  |  Recommends 0

Yes, Apple endorsed NFC in the latest announcement. If you are thinking this is going to increase sales of NFC POS terminals, don't hold your breath. Here's why. Apple is smart enough to know that NFC...

TagsPaymentsInnovation
Hari SubramanianWipro - Greater New York City

Ready for the Payment Paradigm Shift in Shopping?

19 June 2014  |  2550 views  |  2  |  Recommends 0

Historically, we have shopped with cash or cards. When we use cards (credit, debit, gift, prepaid, etc.) the focus has been on validating the originator. The merchant takes your details and goes to a ...

TagsPaymentsTransaction banking
Hari SubramanianWipro - Greater New York City

Payment Security in USA through EMV or Mobile?

13 May 2014  |  1654 views  |  0  |  Recommends 0

Recent high profile data breaches at the POS and compromise of cardholder account data have certainly led to the popular notion that payment security at the POS needs to be tightened through EMV; no w...

TagsPaymentsInnovation
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