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Long Valley

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2015

John BaRoss

Founder & President at FINCCLUDE Incorporated

Message Posts: 0 Comments: 9

Bio Head non-profit FINCCLUDE - Financial Inclusion Now, Carrier Commerce Leading a Ubiquitous Digital Economy. FINCCLUDE helps optimally harness global industry expertise to help accelerate CC (the means) to achieve global FI faster (the ends). Career History Headed planning, launch and scaling portfolio of innovative alternative eCommerce payment initiatives for AT&T, Accenture for AOL, Disney, Sony, etc. Payments Strategic Dev for Amdocs Qpass Digital Commerce, ClickandBuy LLC. Headed global bus dev for BPOs from India to Internet Retailer Top 500.

John is Commenting on

Will Smith joins $15m funding round for social investing app Public

Does Public only facilitate social investing in for-profits, or, does Public also facilitate social 'investing' (really granting/donating) to non-profits that are focused on social impact, sustainable development, etc.?

03 Mar 2020 Reply Read article

Philadelphia bans cashless stores

While many are spellbound by the cashless-society zeitgeist, there is a growing understanding that large portions of societies - the unbanked - will face worse difficulties in cashless societies (Finextra recently shared a warning-report that ~17% of UK population would be negatively impacted). The other major issue stewards of DFS/MFS initiatives own responsibility of is the risks of herding societies into completely digital economies in the current climate of cyber-crime still outpacing cyber-security sophistication. Cashless societies face under reported risks of being potential financial cyber-slaughterhouses. Forms of DFS/MFS remain magnificent innovations to help improve the lives of billions of the unbanked and underbanked, but complimentary with cash due to these two fundamental environmental limitations of today's reality (access is not ubiquitous and inadequate cyber-security).

08 Mar 2019 Reply Read article

ATMIA hits out at 'anti-cash' financial exclusion lobby

ATMIA has an important perspective about cash still having a important role - now and in the future. Just as financial inclusion is about more than just the banking industry, financial inclusion is about more than DFS. Keep in mind not only cash's no-prerequisite conditions advantage (certainly a challange for KYC related issues), but if anything, cyber-security concerns are growing, plus other 'things' happen (from this week's total outage of M-Pesa in Kenya to the February 2016 Ugandan Communications Commission decision to abruptly order the disabling of all mobile money platforms for ~4 days). Those with cash were not nearly as impacted as those more reliant on DFS in these examples. At least for the foreseeable future, let's be honest with what the true meaning of financial inclusion is. (Even those who have never seen cash of any form have at least been involved in a form of financial inclusion that is bartering).

27 Apr 2017 Reply Read article

Telefonica Germany launches Fidor-backed mobile banking service

How is this Telefonica Germany-Fidor mobile banking service similar and different than: 1) Orange's mobile banking in Poland & France? 2) Telenor banka in Serbia? 3) KDDI-Jiban in South Korea?

25 Jul 2016 Reply Read article