12 February 2016

Payments changing lives

Hari SubramanianWipro - Greater New York City

Is there a case for utilities in blockchain?

08 February 2016  |  2600 views  |  0  |  Recommends 0

Many people I have talked to, mention "securities settlement" as an area suitable for lots of cost savings through the adoption of blockchain. But as we know, settlement is an area that does have a lot of intermediaries such as brokers/ custodians/ etc. Question is - given the peer to peer nature of blockchain, will all the intermediaries...

TagsVirtual currencyTrade execution
Hari SubramanianWipro - Greater New York City

Achilles heels of payments, cash and batch, will they disappear?

24 October 2015  |  1608 views  |  0  |  Recommends 0

Having just returned from SIBOS where every one was talking about real time and digital payments, my contrarian mind was tempted to think about cash and batch. Cash Cash has existed among humans for 27+ centuries and accounts for about 80% of payments. In addition there are fundamental driving factors such as black economies that rely on cold h...

TagsMobile & onlineInnovation
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Hari SubramanianWipro - Greater New York City

Digital Banking: Where it falls short

30 July 2015  |  4336 views  |  1  |  Recommends 0

According to Wikipedia, modern Banking has been around for a long time (since the days of Renaissance Italy in 14th century) and money even longer (bartering of cattle as early as 9000 BC, laws around...

TagsMobile & onlineRetail banking
Hari SubramanianWipro - Greater New York City

How many apps for all your mobile payment needs?

02 March 2015  |  2870 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 ...

TagsMobile & onlinePayments
Hari SubramanianWipro - Greater New York City

Why am I not content with Apple Pay?

11 February 2015  |  3124 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 imp...

TagsMobile & onlinePayments
Hari SubramanianWipro - Greater New York City

Card Present or Not Present?

12 September 2014  |  2509 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  |  6411 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  |  2925 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  |  1955 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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