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Ward Hagenaar

Head of Consulting - Co-Founder
PaymentGenes
Member since
02 Jun 2006
Location
Amsterdam
Followers
3
Following
1
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10
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0
Followed by John Sims, Martha Boyle and 5 others you follow
View Ward Hagenaar's full profile

Ward's opinions

clear
Ward Hagenaar

Innovation in the checkout process of physical retail stores has been slow, or not?

Building on the huge success of contactless payments we gradually experience next steps in development of the checkout process. The battle to convert cash into electronic payments enters the final stage. In 2018, only 37% of payments in the Netherlands have been paid with cash at checkout*. Contactless payments accounted for over half of electroni...

20 September 2019 /payments Innovation in Financial Services

Ward Hagenaar

Will a PSD2 based initiative from the airline sector drive sales and reduce costs?

This remains to be seen. IATA and Deutsche Bank launch a PSD2 based initiative focussed on potential cost reduction with card payments in the airline industry. Certainly an interesting move by International Air Transport Association (IATA) and Deutsche Bank. It could increase pressure on the payments industry regarding costs, innovation and will l...

07 May 2018 Payments strategies 2015-2020-2030

Ward Hagenaar

Are logistics the logical value added services that Wallets need?

The expected takeoff of Wallets has been a hot topic for years in our industry. In the classical retail environment NFC enabled Mobile Wallets will finally deliver on its promise of speed and convenience. In remote commerce we have seen many attempts, high investments and some success stories related to marketplaces like PayPal and AliPay. The ...

20 October 2015 Innovation in Financial Services

Ward Hagenaar

The True Value of Mobile Transactions

It is easy to think that attractiveness of mobile transactions is in the embracement of near field communication (NFC). Banks, telco’s, manufacturers, the Forresters, Javelins and Gartners have put in on the agenda since 2006 and promised the infrastructure would be there in the next year, or the year after, or... Smartphones equipped with NFC cou...

05 November 2012 /payments Innovation in Financial Services

Ward Hagenaar

Instore remote mobile payments reduce cash effectively!

For financial institutions and retailers investments in mobile NFC payments are intended to attack cash transactions and provide a faster checkout in the retail environment. NFC and their wallet application furthermore offers multiple loyalty, discount and interaction functions with the actual shop environment. Great technology, secure as EMV but f...

10 January 2012 Innovation in Financial Services

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

  • 2019 (1)
  • 2018 (1)
  • 2015 (1)
  • 2012 (2)
  • 2011 (5)

Latest groups joined by Ward

  • Innovation in Financial Services

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Ward reads

  • paymentgenes

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