 Read this finextra blog if you are interested in blockchains. It addresses a central question that many people are asking - will there be intermediaries in the blockchain world which is supposed to empower peer to peer cutting out middlemen.
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 While everyone is talking about real time and digital (electronic) payments, read this contrarian blog on finextra.
 This blog highlights some of the challenges faced by banks in bridging the consumer experience between digital and branch channels. It also gives recommendations for beating the upstarts with clever design of user experiences involving appropriate channel choices based on sophisticated customer metrics and segmentation.
Click here to read this Finextra blog on examples related to shortcomings of digital banking
 For some contrarian views on Apple Pay, read this blog.
 Finally, it is good to be back after some break due to hectic schedules with a new job. Apple Pay convinced me to break my long silence and I ended up writing two blogs instead of the usual monthly one.
If you think Apple Pay is going to boose NFC POS sales, you should read this blog first. See the Finextra blog "Apple Pay is here. Ka-Ching NFC Sales? Not so fast".  Finally, it is good to be back after a long silence due to hectic schedule and a new job. Apple Pay made me break the silence and motivated me to write not one but two blogs. Here is the second one. See above for the first one.
When plastic cards become digital tokens and sit inside mobile phone or cloud wallets, how do you say card is present or not present? Read this blog for interesting implications on interchange rates for CP and CNP transactions in the future. Card Present or Not Present?  Click here to read this blog that discusses the change in payments during shopping - from verifying the originator of the payment to the recipient of the payment. It has profound implications for all players in the payments ecosystem.Finextra blog on paradigm shift in payments
 This blog was published in Finextra. After recent high profile data breaches in retailers such as Target, some have resorted to EMV at the POS for security. This blog analyzes the pros and cons in the alternatives for payment security in USA:
 Innovation Insights featured another one of my blogs.
Although mobile payment technologies are promising, this blog argues that mobile channel integration with online and brick and mortar channels has the potential to grow more revenue and engage consumers for retailers and financial institutions. To read the blog, please click here. |
AuthorI am a Management Consultant in Banking and Financial Services. Check out my "home" and "about" pages for more details. Archives
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