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ARTICLES by Category: Payments

Jun 18, 2015

Digital Bank or FinTech? You're not a digital bank...

If you listen to the Breaking Banks AM Radio Show today (also available via stream and podcast) you'll hear a spirited rematch of the Great Digital Banking Debate that Michal… READ MORE

Apr 13, 2015

The debate on the future of banking is not over, but it will be soon

How does one predict the future? Admittedly it is easier to predict what will happen 5 or 10 years from now, than 50 years, but at the same time, we’ve… READ MORE

Oct 17, 2014

Why Ebola might finally kill cash

The Fear Factor on Ebola is over the top right now. We are spending countless hours in the media analyzing footage of health workers, figuring out how a nurse in… READ MORE

May 05, 2014

Why Kids don't sign, and banks shouldn't either

In a recent UN/ICAO commissioned survey on the use of signatures in passports, a number of countries including the UK recommended phasing out the long held practice because it was no… READ MORE

Nov 04, 2013

Why smartphones will kill credit card rewards

Credit cards are expensive. According to BankRate.com the average US annual percentage rate (APR) charges on credit cards is 15.35%[1], but that’s down in recent years. During the financial crisis… READ MORE

Oct 11, 2013

When Payments Disappear, and Value Emerges

Ok, so if you think we're done with the whole "when is a mobile payment a payment" argument, think again. The reality is that the biggest evolution in payments is… READ MORE

Oct 02, 2013

The US is becoming the world’s largest closed-loop payments system

Last year the US contributed close to 20% of the world's GDP despite coming off the back of the biggest economic downturn since the 1930's Great Depression. The US, UK, Germany, Russian… READ MORE

May 22, 2013

PTP FTW! The beginnings of something much greater...

I had a call with an industry colleague earlier today talking the recent news on GMail Google Wallet integration, Dwolla's funding round and the "Square Cash" announcement. At large I'm… READ MORE

Jan 16, 2013

Two big predictions

Ron Shevlin (@rshevlin) and Jim Bruene (@netbanker) and I have been back and forth Ron's article today on so-called NeoChecking Account and the news of the GoBank (http://www.gobank.com) launch here in… READ MORE

Sep 24, 2012

Why Apple’s NFC snub might hurt the banks and networks more than ever?

I’ve always maintained that Near Field Communication (NFC) was attractive for both the banks acting as acquirers and issuers, and ultimately the networks themselves. Particularly in the US marketplace. Why?… READ MORE

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