22 October 2016

Payments changing lives

Hari SubramanianWipro - Greater New York City

Avoid overselling business benefits of blockchain usecases

12 October 2016  |  4596 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 experiencing this problem as well. It is surprising to read reports from even reputed consulting firms and major banks that describe the benefits of bloc...

Hari SubramanianWipro - Greater New York City

Fraud in Blockchains and Smart Contracts

27 February 2016  |  3350 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 data transparency, irreversibility of records and irrepudiability of transactions in a blockchain offering superior trust, integrity and security. But ...

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

Is there a case for utilities in blockchain?

08 February 2016  |  4784 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  |  1953 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  |  4710 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  |  3134 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  |  3341 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  |  2711 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...

Hari Subramanian
Hari SubramanianWipro - Greater New York City

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

12 September 2014  |  6772 views  |  9 comments | recommendations 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...

Hari Subramanian
Hari SubramanianWipro - Greater New York City

Ready for the Payment Paradigm Shift in Shopping?

19 June 2014  |  3096 views  |  2 comments | recommendations 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
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