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Milos Dunjic

WANTED: Voice Browser Standard

Popularity of voice bot frameworks using Natural Language Processing (NLP) and Artificial Intelligence (AI) is on the rise today. Even blockchain can’t compete with Alexa and Google Home anymore, in t...

07 Jan 2019
Futuristic Banking
Milos Dunjic

The Holy Grail of Successful Corporate Innovation

Many corporate leaders hire external consultants for advice on HOW innovation teams shall be structured, or what processes they shall follow. However, I believe relying on external expertise for such ...

24 Nov 2018
Milos Dunjic

WANTED: Innovation Process Management Tool

How does one recognize and distinguish the serious innovation? What separates real innovators from those which aren’t so serious about it? The true innovators are actually able to maintain a disciplin...

11 Aug 2018
Innovation in Financial Services
Milos Dunjic

Blockchain Immutability ... Blessing or Curse?

I need to warn you right from the start. If you think that the ‘immutability’ of a blockchain is its most useful and precious feature, think again. What you may own today, in either Bitcoin, Ether or ...

03 Jun 2018
Blockchain Observations
Milos Dunjic

Why Should You Pay Attention to Quantum Computing?

For over a year now, I have been uncovering the secrets of quantum computing, which is an exciting and rather unusual field of informatics. It is somewhat weird and yet extremely fascinating disciplin...

13 May 2018
Information Security
Milos Dunjic

WANTED: Unified Contactless Kernel at POS

Contactless/proximity payments are promising technology, bringing speed and convenience to the checkout counter. They are supported by pretty much all payment schemes – Mastercard has PayPass, Visa ha...

05 Aug 2017
Innovation in Financial Services
Milos Dunjic

W3C Web Payment Standardization As A Potential 3D Secure Killer?

The 3D Secure 1.0 framework was originally introduced to address lack of consumer authentication in legacy online environments, mainly in cases where online merchant and consumer were not engaged in f...

23 Jul 2017
Innovation in Financial Services
Milos Dunjic

Chequing Bank Account In The Age Of Digital Banking?

There was time when people used cheques, and used them a lot. Cheques once accounted for 86 percent of all non-cash payments, and were the hot new payment technology. After second World War, the Ameri...

01 Jul 2017
Innovation in Financial Services
Milos Dunjic

Payments Innovation - A Quantum World Of Payments

In nature, change is constant and inevitable. It is also fairly slow and mainly evolutionary. At the macro level, everything looks very logical, guided by the basic scientific laws of physics, chemist...

29 Jun 2017
Milos Dunjic

The Persistent Payment Fraud Challenge and What Can Be Done About It

As I review the latest payments industry news, I am trying to identify if there could be some low-hanging fruit that would make sense for the payments card industry to focus on. It seems that there is...

06 May 2017
Milos Dunjic

Instead Of Open Banking Should Industry Push For Open Everything?

Open Banking initiatives are bringing technology at the forefront of finance by encouraging (sometimes even mandating) secure underlying account data sharing by banks. The main purpose is to enable th...

20 Feb 2017
Milos Dunjic

Limited Capabilities of Smart Contracts

Smart contracts are discrete computer program units, which are deployed inside blockchain network nodes. Once they are ready for deployment, one-way hash value of the code is calculated and digitally ...

24 Jan 2017