Tag: Mobile payments

Mobile Payments – where are we?

Mobile Payments – where are we?

Written by on February 24, 2014 in BillingViews, Guest Blog with 0 Comments

With Mobile World Congress in Barcelona upon us, it seems opportune to review the state of play in mobile payments. Mobile payments is one of those subjects that people have been talking about for ages, however the experience for most consumers is limited to shopping via apps or mobile websites, which is little different to […]

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Consumer choice in banking

Consumer choice in banking

Written by on January 27, 2014 in BillingViews, Guest Blog with 0 Comments

Last week the news was full of comments from a certain politician about UK banks being forced to reduce their market share by selling branches. However this idea sadly misses the point about how best to increase competition in the banking market. If the banks are forced to dispose of branches they will likely want […]

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Will consumers Zapp?

Will consumers Zapp?

Written by on January 20, 2014 in BillingViews, Guest Blog with 2 Comments

This week Zapp announced the confirmed support from five UK banks and building societies  – HSBC, First Direct, Metro Bank, Santander, Nationwide. I’ve been following Zapp for a while now and this support from leading UK banks takes it beyond the concept stage and starts to make it a reality. Zapp will allow consumers to pay in store or […]

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Making sense out of too many channels

Making sense out of too many channels

Written by on January 14, 2014 in BillingViews, News with 0 Comments

One of the problems with the proliferation of customer channels is knitting them all together.  Examples are everywhere that illustrate that this is a huge and expensive problem. A friend of BillingViews who was in the process of buying a car relays one such case. In the middle of transferring a decent sum of money […]

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2014: The Year of Mobile Payments?

2014: The Year of Mobile Payments?

Written by on January 8, 2014 in BillingViews, Guest Blog with 0 Comments

 A new year brings new activity and investment in the payment space… but perhaps not the kind we’re hoping for.  Recent announcements from major players as well as new product launches in the industry have arguably shifted the focus away from the mobile device and presented consumers with more options.  The good news: a more […]

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Why use mobile money, when you can use Bitcoin?

Why use mobile money, when you can use Bitcoin?

Written by on December 2, 2013 in BillingViews, Guest Blog with 0 Comments

People talk about being methodical when managing risk, but most of that talk is hooey. It is not in human nature to be methodical about risk. Or rather, as Nobel laureate Daniel Kahneman has pointed out, humans use methods that are good for managing some kinds of risk, and terrible for managing others. Imagine trying […]

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NFC – a question of where, not when?

NFC – a question of where, not when?

Written by on November 18, 2013 in BillingViews, News with 0 Comments

The roll out and success of NFC – and particularly NFC as a form of mobile payment – has been thoroughly examined, not least by us. Apart from the people who are involved, NFC has been criticized and laughed at almost universally. One point that we missed is that NFC will succeed in specific markets […]

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NFC – a technology that solves no known problem

NFC – a technology that solves no known problem

Written by on November 7, 2013 in BillingViews, News with 0 Comments

We are seriously considering having badges made that say ‘big companies cannot innovate – so don’t try.’ In fact the only thing that cannot innovate like a big company trying to innovate is a bunch of big companies trying to innovate together. Generally what happens is that instead of discussing how the new technology makes […]

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What have NFC and connected cars got in common?

What have NFC and connected cars got in common?

Written by on October 30, 2013 in BillingViews, News with 0 Comments

As if to prove Peter Cochrane’s (and our own) thesis that large companies cannot innovate, ISIS and their fixation with NFC for payments is looking more and more like a car crash in slow motion. As we have said several times before, NFC is similar to IMS in how it will evolve. Five years ago […]

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ISIS: So Close, Yet So Far

ISIS: So Close, Yet So Far

Written by on September 4, 2013 in BillingViews, Guest Blog with 0 Comments

This summer proved to be a busy time for ISIS, the American based mobile wallet driven by Verizon, AT&T, and T-Mobile.  News out of ISIS aims to further expand the reach and power of their mobile wallet offering but will it be enough to get both merchants and consumers on board? The Good News… In […]

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