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Aug 01, 2011

The Modality Shift of Banking - Part 5

Transparency challenges new revenue and friction In September of 2009 Ann Minch, a customer of Bank of America, posted a video on YouTube called the “Debtor’s Revolt”. Ann detailed her… READ MORE

Jul 26, 2011

The Modality Shift of Banking - Part 4

The Widening Gap between Behavior and Capability In 1980 the average bank in the developed world would receive a visit from a customer once or twice a month, making an… READ MORE

Jul 12, 2011

The Modality Shift of Banking - Part 3

Massive spend on innovation at the front-end of retail financial services Putting aside conjecture of whether or not we are in a bubble at the moment around tech, social media,… READ MORE

Jul 07, 2011

The Modality Shift of Banking - Part 2

Rapid Acceleration of Technology Adoption makes change easier The rate of diffusion is the speed at which a new idea spreads from one consumer to the next. Adoption is similar… READ MORE

Jul 05, 2011

The Modality Shift of Banking - Part 1

There’s a philosophy I characterize as “Lucky to be a customer” within banking today. A customer comes to the bank, we make him jump through hoops we often call risk… READ MORE

Jun 29, 2011

Extending the mobile payments ecosystem

Today I’ve been in Beetsterzwaag, Opsterland, Netherlands, about 150 kilometers from Amsterdam at an offsite strategic retreat with the ICS (International Card Services) team. Initially part of Bank of America’s… READ MORE

Jun 10, 2011

Visa and Fundamo up the stakes in the Mobile Wallet battle

The announcement today of Visa’s acquisition of Fundamo signals the drawing of the battle lines in the face off between Mastercard and Visa in the mobile payments stakes. While I… READ MORE

Jun 06, 2011

Google Wallet is not about Payments

Last week Google announced their long awaited NFC-trial for mobile payments. On the face of it, many perceive that Google’s play is an attempt to cannibalize the lucrative payments market,… READ MORE

May 30, 2011

The emerging Mobile Payments and KYC clash

When the commercial internet became popularized in the mid-90s the emergence of e-Commerce quickly led to some amazing new business models, and inevitably the hype of the dot com bubble.… READ MORE

May 26, 2011

Mobile Payments Palooza

Square POS and Cardcase, ClearXchange (BofA, Chase and Wells), Visa NFC trials, Google NFC trials - wow! Mobile Payments just arrived big time this week in the US particularly. So… READ MORE

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