Each month, articles cover the topics that are top of mind for the industry’s most senior decision makers and opinion leaders: Social Commerce, Law and Regulation, Technology, Developing Countries, Business, Risk and Security, Economics and Payments Wiki. The Journal’s readership includes both traditional players (issuers, networks, processors and acquirers, merchants, POS hardware/software, security/risk providers), new and emerging players and payments enablers in the mobile, social, digital and technology arenas, in addition to regulators, media and other opinion influencers.
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February’s Feature Articles
SOCIAL COMMERCE
Our Next Alternative Currency: Cash?
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Alternative currencies were initially considered to be anything other than locally accepted paper and coin tender. By the 1980s, credit cards became a standard payment mechanism and consumer credit a currency in and of itself. In the economy of 2011, electronic currencies are so mainstream that their classification as alternative is questionable. Read More
LAW AND REGULATION
Nudging from Debt: The Role of Behavioral Economics in Regulation
This article suggests that the problem here is not occasional anecdotal departures from a regularity of excessive optimism. The problem here is that the general truth is not simple and perhaps not even excessively optimistic. Until we know more about why consumers decide to borrow in this market, we cannot sensibly intervene to stop them from doing so. Read More
TECHNOLOGY
Securing Mobile Money to Deliver on the Promise
The awareness, investment and momentum of mobile money is building. The early part of most new implementations will still take longer than we want to scale, but growth after the tipping point will be much faster than expected. This makes the possibility of banking for all a real possibility. Read More
DEVELOPING COUNTRIES
Protecting Branchless Banking Consumers: Policy Objectives and Regulatory Options
As with conventionally delivered financial services, consumers using branchless banking services face challenges as well as benefits. Transformational branchless banking heightens the concerns of regulators, because it combines the use of agents and technology-enabled devices to serve large numbers of inexperienced customers. Read More
BUSINESS
Mobile at the Point of Commerce Convergence
A number of significant platform industries are converging on a common opportunity – to create and grow consumer commerce. Payments capabilities underpin this convergent trend. Yet increasingly, the power in the world of payments is shifting to commerce enablers and generators, who are highly present in consumers’ daily lives, and with whose platforms consumers are engaged. Read More
PAYMENTS WIKI
Introduction to Canada
As the world has struggled to regain its footing in the midst of the current financial crisis, Canada’s economy seems to be recovering faster than others. Not only did its recovery begin quickly in comparison, it also appears it will have little long-term impact on its citizens. Read More
More Feature Articles from Past Issues
The Lydian Journal from PYMNTS.com publishes cutting-edge knowledge and commentary produced by the best thinkers from around the globe about one of the most important industries in the world.