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It took almost two decades for credit card payments (followed by debit cards) to become globally ubiquitous, so it might be reasonable to think that a paradigm shift at the POS will take years to beco...
Just in case you missed it ... The iPhone 5 has finally landed!! While the usual queues greeted the latest instalment of the world’s best loved smartphone, in mobile payment circles, all the talk is a...
I recently had the opportunity to attend Gamification & Banking: a passing fad or a serious business, at the BBVA Innovation Center in Madrid. It’s part of series of talks and discussions around i...
Each week seems to be worse than the last in terms of outages that are affecting leading B2C brands. Whether it's the banking industry, web service providers or retailers, the severity and impact of ...
Over the past 10 years, I have seen the terminology of e-Invoicing mean many things. In most cases, many managers will still view this as eliminating paper via OCR and Workflow -- well others now view...
E-invoicing as such does not save the 250bn/year cost. It is an enabler - and that is why the focus should move to the next layers. Experts tend to dig so deep into details that they forget to commun...
A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that...
We often talk about mobile banking from a technological point of view, about the fancy new tools which allow customers to view the status of their accounts or execute simple transactions. Many have th...
I will keep this blog post short and jump straight to the point (following our recent discussions with a number of key industry players who develop m-wallet platforms as well as phone-bound secure ele...
On one level, selling Direct Line in an IPO looks straight forward. The business model is proven and is made up of strong, well established brands. It is the leading UK personal lines insurer with a 1...
To build an estimate of this market I am using the below assumptions. I will limit so far the exposure for Europe to collect you suggestions/comments. I have similar data also for the other regions (i...
Check printing is expensive. It is time consuming, labor intensive, and comes with the added costs associated with paper stock, ink, and postage. There is no doubt that migrating to electronic payment...