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ward hagenaar
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Ward Hagenaar

Co-Head of Consulting - Co-Founder
PaymentGenes Consultancy
Member since
02 Jun 2006
Location
Amsterdam
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3
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10
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Followed by John Sims, Martha Boyle and 5 others you follow
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Ward's opinions

clear
Ward Hagenaar

Be my wallet

In wallet war times it makes you wonder whom you should regard as your best partner. Should your friends be the same as you are, very different, have the same market reach, etc. For a bank working with the likes of Google or Telco’s can be slightly intimidating. They have a huge international reach beyond comparison to even the largest banks custom...

09 November 2011 Innovation in Financial Services

Ward Hagenaar

Who will be the payments processor of the future?

I used to work at a large payments processor focussed on POS card transactions and ACH payments. Around 2000 we started adding e-commerce propositions, typicaly low volume high investment activity at that time. At first we missed success due to our focus on security with SET, the protocol from the brands based on a PKI infrastructure. PKI proved t...

09 September 2011 Innovation in Financial Services

Ward Hagenaar

The merchant is misunderstood

In 2010 both MasterCard and Visa purchased major payment service providers like DataCash and Cybersource. As did some payment processors that acquired payment service providers. The e-commerce market now has a solid place in retail activities. Due to the scale and consolidation of the market the PSP´s became international payment processors themse...

27 June 2011 /payments Innovation in Financial Services

Ward Hagenaar

The biggest threats to banks are banks themselves

We have been speculating a lot on the role that social media giants like Google, Facebook and technology companies like Apple or Square could play in the financial services arena. They have been positioned as a threat to the banking position with regards to payments and potentially other P2P products like lending. In fact they are a threat and an ...

17 June 2011 /payments Innovation in Financial Services

Ward Hagenaar

Will Facebook restrict itself to high revenue vouchers?

As Facebook is now entering the Point of Sale arena in the US with its Daily Deals Offering the question arrises what would be the business model for true payments. Facebook credits are now converted to vouchers and excepted as a partial payment in combination with regular payment methods. Facebook could be regarded as a closed scheme like America...

29 April 2011 /retail

Ward writes about

  • payments
  • retail banking
  • start ups

Ward's opinion archive

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  • paymentgenes

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