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Apple Pay, Further Thoughts

I’d promised more thought on Apple Pay after I’d read and thought about it a bit more. That reading and thinking continues, but with an update overdue  I offer a few thoughts.  For  clarity, I’ll use the term “proximity payment” to mean paying at a physical point of sale; “remote payments” for buying through a […]

Why Simple Wins

I’m a payments geek, I freely admit, and read about this stuff for fun. I get a kick of out it, and miss it when I haven’t had time to dig into what’s behind the acronym soup that I’ve seen but don’t really understand.  I like knowing about such things– I am broadly curious– and […]

Dreams of iPhone and NFC Salvation

I’ve recently seen more speculation on the next iPhone and how it will include NFC and transform the industry.  Dream on. Let me set the stage.  Around the world, people will increasing do more activities on their phones.  The speed with which this happens will vary by nation population segment of the population and for […]

Mobile payments and market segments

This started from a piece in TechCrunch, and my response to the piece and subsequent comments. One of the comments talked about m-Pesa’s success, and drew a distinction between markets where is the a need for a new system and markets where that is more a want. One, the “need vs. want” distinction Ben noted […]