Banking

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Apple Pays or not?

Was September 9, 2014 a good day for payment systems? Just as everybody was saying digital wallets are dead in the US, Apple comes with this announcement of its own payment solution. If you haven’t watched the keynote you can watch it here. But...

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It is the mobile stupid!!!!

Bill Clinton won his first elections by saying it is the economy stupid. The message was clear: If you are better off financially, all falls in place and if not, the whole country will suffer. So I am using this metaphor to emphasize the importance...

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HCE is a reality

BBVA Wallet to be extended from Spain to the U.S., Mexico and Chile BBVA and Visa Launch First Commercial Solution for cloud-based mobile payments BBVA is the first global banking group to commercially launch mobile NFC payments based on new cloud...

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Bank Wallets & Banking Apps, A Glimpse To The Future

I finished my last essay on telco wallets saying; …. the automatic role of a telco renting a secure place on the SIM for digital payment transactions will be disappearing. However only by investing user friendly and functional wallets, banks will be...

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Say Good Bye to Telco Wallets

About a month ago, T-Mobile launched a wallet with a prepaid card in the US. (link) And this week in Barcelona (February 2014) we will hear many announcements about digital wallets from banks and payment schemes in partnership with Telcos of course...

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Read To Be A Better Manager And Person

Up the organization Robert Townsend ex CEO of Avis: Although a very old book, one of the best. Very simple, no nonsense. Each topic is one chapter and each chapter is couple of pages sometimes one page. Don’t want to hear lots of analysis and hear...

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Is It Over For US Banks in Payment Systems?

A lot of innovation comes from the US right? Well not so when it comes to cards. Almost all others either moved to smart card standard EMV already or are very near completing their migration, except the US. After so many discussions and...

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