Commentary

Alternative Finances
The 2014 Mobile Commerce Agenda
March 10, 2014

Miss out on the major announcements from this year’s Mobile World Congress in Spain? Don’t worry, our slideshow (which you can find below) covers the big payments-related deals that came out of Barcelona over the past few days. These include announcements from: – MasterCard –...

Commentary
The Coming Physical Retail Death Spiral
January 20, 2014

Intense competition from online and mobile channels, pricing pressures and shrinking margins, high fixed costs, changing customer demographics, and eroding revenue opportunities. Sound familiar? It should. It’s exactly what drove the newspaper industry into a death spiral about 20 years ago, and it’s what’s playing...

2013: The Year of All…Or Nothing at All
January 05, 2014

Someone once said that even number years are always better than odd number years. If that’s true then 2014 has a lot to live up to! But as we all turn our focus to 2014 after a two week holiday respite, and wave bye-bye to...

Plan Smart Now If You Want to Be Relevant in 2023
December 10, 2013

Strategic planning season is in full swing in payments! And, the land grab for data and projections on everything from consumer spending to smartphone and tablet sales to POS trends to competitor activities is on! But, unless your one- to three-year window anticipates the macro...

What’s A Banker To Do?
December 10, 2013

I think I mentioned in an article a while back that I have this odd fascination with old advertising- early turn-of-the-century stuff to about the 1970s. There’s just so much to learn about our culture and consumer behavior and buying triggers by looking at old...

Is HCE NFC’s Killer App?
December 10, 2013

The month of November was ushered in by the Red Sox World Series Parade of Champions in Boston (did I mention that the Red Sox won the World Series this year??!!!), the return of daylight savings time (my favorite day of the year besides Christmas...

Would A Bitcoin By Any Other Name Smell As Sweet?
December 10, 2013

Bitcoin isn’t usually something that I write about. And, trust me, after my colleague did a few weeks ago and was all but skewered as a result of his post, I thought long and hard about sounding off about bitcoin. (He’s currently in hiding and...

Alibaba And ShopRunner Say “Open Sesame” To Digital Commerce
December 10, 2013

Everybody knows the ancient story of Ali Baba and the Forty Thieves. “Open Sesame” were the magic words that opened a cave where Ali Baba saw an abundance of gold treasure stolen by 40 thieves stashed inside. Ali Baba, assisted by his very capable female...

The Unexpected Power Shift In Payments
December 08, 2013

I think it’s pretty safe to say that the “traditional” advertising and loyalty ecosystems are dying a slow death and should probably be put out of their respective miseries. Mobile/connected devices powered by apps and enriched by data in real time have engulfed them. The...