26 November 2014

Payments changing lives

Hari SubramanianWipro - Greater New York City

Card Present or Not Present?

12 September 2014  |  1816 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
Hari SubramanianWipro - Greater New York City

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

12 September 2014  |  4644 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 is a technology that has been tried and tested by giants such as Google but was resisted by merchants. Yet, it had to conform to the norms of finance...

TagsPaymentsInnovation
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Hari SubramanianWipro - Greater New York City

Ready for the Payment Paradigm Shift in Shopping?

19 June 2014  |  2405 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  |  1529 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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