31 October 2014

Innovation in Financial Services

Archive for: August, 2012
Alexander PeschkoffTEDIPAY - London

Barclays PingIt: UX SUX

31 August 2012  |  6481 views  |  2  |  Recommends 1

If I give you £10 pounds, how difficult will it be for you to use it? Silly question. If I send you £10 via PingIt, would it be even simpler to use, considering how "revolutionary and easy" Barclays promises that service to be? Not quite. When I make a payment to someone who is not currently registered with PingIt, that person must sign...

TagsMobile & onlinePayments
Alexander PeschkoffTEDIPAY - London

Google Wallet: behind the scenes

30 August 2012  |  7207 views  |  5  |  Recommends 0

Google Wallet's business model "bleeds" less than I originally estimated. Google's card issuing partner is not Citi, but Bancorp (thank you for the correction, Frank). The latter is exempt from the interchange fee cap, hence Google would receive around $0.80-1.20 for every $100 spent on its card, depending on whether it was an online o...

TagsMobile & onlinePayments
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Pat CarrollValidSoft - London

The cost of e-crime: a wake-up call for the retail industry?

29 August 2012  |  3797 views  |  0  |  Recommends 0

The recent findings of the British Retail Consortium’s first e-crime study which estimates that UK retailers lost over £205 million in 2011-2012 due to e-crime caught my eye recently – particularly ...

TagsSecurityRetail banking
Alexander PeschkoffTEDIPAY - London

Google Wallet is losing money on EVERY transaction

29 August 2012  |  20438 views  |  5  |  Recommends 1

At launch, Google Wallet (GW) was based on Trusted Service Manager (TSM) business model, similar to the one still favoured by the mobile network operators (MNOs), e.g. ISIS. Under that scenario, GW...

TagsMobile & onlinePayments
Pierre GaleonPersonal blog - London

Google takes its wallet to the cloud

22 August 2012  |  5142 views  |  1  |  Recommends 0

Google is trying to inject new life into its mobile wallet platform by launching a cloud-based version of the app that can be linked to Visa, American Express and Discover cards. Will it be enough? ...

TagsPaymentsRetail banking
Karl RiederGFT - London and Barcelona

Apps, a continuing debate: HTML5 vs. Native

21 August 2012  |  7717 views  |  3  |  Recommends 0

I wrote my last blog about the Future of Mobile Banking Conference more than two months ago, before a busy June, summer holidays, and the Olympics. It’s now time to meet my promise to highlight some o...

TagsMobile & online
Nick OgdenNovmo.com - Jersey

Improving customer loyalty - let's get back to business

14 August 2012  |  3018 views  |  0  |  Recommends 0

Earlier this month, the Bank of England launched the Funding for Lending scheme, to lend money at below market rates to financial institutions. It is designed to prompt banks and lenders to make more ...

TagsRetail banking
Brett KingMoven - New York

What does Square plus Starbucks mean for US payments?

08 August 2012  |  5812 views  |  1  |  Recommends 0

Square and Starbucks just announced their intent to form a partnership for the purpose of improving or 'revolutionizing' in-store payments around the approximately 1,700 retail stores and 5,000 poin...

TagsCardsPayments
Tim TylerMisys - London

Little Fluffy Clouds

07 August 2012  |  2790 views  |  1  |  Recommends 0

I was listening to some music from my youth - Little Fluffy Clouds - The Orb - whilst watching the thunder clouds gather outside of my office. We all know that clouds live in the sky, these amorphous ...

TagsSecurityRisk & regulation
Henry WoodcockIRESS - Cirencester

The Banking Olympics : the winners are?

03 August 2012  |  4686 views  |  1  |  Recommends 0

In the Olympics, after years of training and dedication it seems that in the eyes of the media and the public, it all comes down to winning or losing. An individual may have achieved an outstanding p...

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