28 March 2015

Payments changing lives

Hari SubramanianWipro - Greater New York City

How many apps for all your mobile payment needs?

02 March 2015  |  2264 views  |  4  |  Recommends 0

This blog is really an outcome of the questions/ comments I received on my previous blog on Apple Pay. Every one has essentially 3 main tasks when it comes to payments - pay friends/ relatives/ other individuals, pay billers, and pay merchants. I had written about how Apple Pay does not help me with all of these tasks in a holistic fashion. I rece...

TagsMobile & onlinePayments
Hari SubramanianWipro - Greater New York City

Why am I not content with Apple Pay?

11 February 2015  |  2505 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
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Hari SubramanianWipro - Greater New York City

Card Present or Not Present?

12 September 2014  |  2060 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 in...

TagsPaymentsInnovation
Hari SubramanianWipro - Greater New York City

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

12 September 2014  |  5361 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  |  2596 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  |  1673 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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