23 July 2017

Payments changing lives

Hari SubramanianWipro - Greater New York City

Digital stupidity: mobile wallets that mimic physical wallets

16 March 2017  |  3714 views  |  0 comments | recommendations Recommends 0

My physical wallet is useful - it helps me store a number of valuables and memories but it is dumb. It doesn't know anything about me. Ironically, we are creating the equivalent in digital or mobile wallets in spite of the fact that digital wallets have the potential to be more intelligent, understand our preferences, and provide contextual help a...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Hari SubramanianWipro - Greater New York City

Could Regulators perform AML in a Blockchain World?

13 January 2017  |  7637 views  |  3 comments | recommendations Recommends 0

Before you say "that is a crazy idea", stop and think. It sounded crazy to me as well but after some thinking I have concluded that it has merits. Here's why. First, let's check the state of technology advancements. Real time networks provide central banks the ability to settle mass market retail transactions in real time (not just the

TagsBlockchainRisk & regulation
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Hari Subramanian
Hari SubramanianWipro - Greater New York City

Avoid overselling business benefits of blockchain usecases

12 October 2016  |  5620 views  |  0 comments | recommendations Recommends 0

Whenever a technology trend hits the peak of hype cycle, claims that it can even solve world hunger, abound. Evangelists start piling on the benefits that the new technology brings. Blockchain is expe...

TagsBlockchainInnovation
Hari Subramanian
Hari SubramanianWipro - Greater New York City

Fraud in Blockchains and Smart Contracts

27 February 2016  |  4072 views  |  0 comments | recommendations Recommends 0

Yes, Smart contracts and blockchains can change the world of digital assets, their exchange, and automated administration of contracts. Much is being talked about this promise. Also people point to da...

TagsRisk & regulationInnovation
Hari Subramanian
Hari SubramanianWipro - Greater New York City

Is there a case for utilities in blockchain?

08 February 2016  |  5488 views  |  0 comments | recommendations 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...

TagsBlockchainTrade execution
Hari Subramanian
Hari SubramanianWipro - Greater New York City

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

24 October 2015  |  2502 views  |  0 comments | recommendations 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 2...

TagsMobile & onlineInnovation
Hari Subramanian
Hari SubramanianWipro - Greater New York City

Digital Banking: Where it falls short

30 July 2015  |  5251 views  |  1 comments | recommendations 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 Subramanian
Hari SubramanianWipro - Greater New York City

How many apps for all your mobile payment needs?

02 March 2015  |  3385 views  |  4 comments | recommendations 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 Subramanian
Hari SubramanianWipro - Greater New York City

Why am I not content with Apple Pay?

11 February 2015  |  3599 views  |  3 comments | recommendations 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 Subramanian
Hari SubramanianWipro - Greater New York City

Card Present or Not Present?

12 September 2014  |  2985 views  |  2 comments | recommendations 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
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