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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
Will they, won’t they? Maybe, Yes…No? Sooner or later…There has been a lot of debate about whether Apple will include NFC in the new iPhone 5. Some analysts have drawn conclusions from the launch of ...
Project Oscar, the mobile wallet grouping between Vodafone, O2 and Everything Everywhere, has had the go ahead from the European Commission to develop a single mobile wallet platform hosting cards, co...
We ran two rather unusual focus groups this weekend, discussing mobile payments. The first group was represented by "blue color" mainstream and "circumstantial" techno-ignorant lat...
Myth One: Is it really contactless? Contactless payments are marketed by MasterCard as "Tap and go". If you tap, that's a contact... To differentiate itself, I guess, Visa is using "W...
I was at a Mobile event recently when the topic of gamification in banking came up. It’s a term that has come to polarise so many opinions. I happened to be on the panel when a member of the audienc...
The story is so well known that many details are now forgotten. For example that it was not Mr. Hayek who invented the idea of the Swatch but that he took it over two years after the launching. Or tha...
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" ...
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 f...
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 t...
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 o...
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? ...
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...