Payments Dive

OCTOBER 2, 2018

Recent changes to how Apple deals with the NFC chip in the iPhone and Apple Watch presents a world of opportunities.

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Apple Payments 401

Chris Skinner

OCTOBER 4, 2018

I have one slight concern as we go cashless, having experienced it myself. You cannot go cashless if it does not include everyone. I had this experience in China. Arriving on a Sunday lunchtime at the Holiday Inn Express hotel, I successfully checked in and had a nice room with … The post The digital divide: inclusion must not create exclusion appeared first on Chris Skinner's blog.

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Digital Banking 377

PYMNTS

OCTOBER 5, 2018

One of the new realities of augmented reality is this: the technology is attracting more investment from China than from sources in North America. This trend happens as activity around AR heats up, with major players in the digital economy apparently positioning themselves to profit as the retail-friendly tech move every closer to mainstream popularity.

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Bank Innovation

OCTOBER 2, 2018

A Florida bank known for its growing number of acquisitions, explains how robotics processing automation (RPA) has aided in their growth strategy. Seacoast Bank headquartered in central-Florida, with $5.9 billion in assets, has acquired eight banks in the last four years. Jeff Bray, Seacoast Bank's chief operating officer, told Bank Innovation that Orlando-based fintech, EnableSoft, […].

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Payments Dive

OCTOBER 2, 2018

The world of mobile payments has changed significantly over the past decade – and particularly over the past few years as smartphones and other mobile devices have become ubiquitous. In this report, we will review some of the main themes and trends in the mobile payments market.

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Mobile Retail Payments Maine 359

PYMNTS

OCTOBER 3, 2018

Crypto research site Diar claims that startups in the digital currency and blockchain space have notched roughly $3.9 billion in funding via venture capital (VC) investments, CoinDesk reported. The figure, which represents investments over the first, second and third quarters, marks a 280 percent jump from all of last year. In addition, the report noted that the average size of investments in the blockchain and crypto space rose by $1 million this year.

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Insights on Business

OCTOBER 3, 2018

IBM RegTech Innovations. Advances in artificial intelligence (AI), blockchain, and cybersecurity are poised to transform the financial services industries. These technologies bring capabilities that speed risk modeling, automate fraud detection, ensure regulatory compliance, enable distributed trust, and protect sensitive financial information. Mounting pressures on financial institutions to drive out costs, improve customer experience, complete with emerging players, and comply with new regulat

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Payments Dive

OCTOBER 4, 2018

Carriers, payment integrators and merchants from around the world met up in London last week at the Global Carrier Billing Summit to share their progress and provide updates.

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Payments 352

Chris Skinner

OCTOBER 3, 2018

A new study of the 50 largest banking groups in the UK and Europe has revealed that although profits have increased, future profitability is at significant risk. The UK & European Banking Study (EBS), shows that banks are operating in unstable market conditions fuelled by unsustainable profit-taking, crisis level valuations … The post Research lays bare the banking issue appeared first on Chris Skinner's blog.

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Analysis

PYMNTS

OCTOBER 5, 2018

5G is coming. Now if we can just figure out what it’s good for. That’s a little bit unfair, but it does reflect some of the talk around the mobile connectivity standard. What types of business will it support? What will emerge as the “killer use case” for payments and commerce? As one observer put it: “The fifth generation of connectivity, pithily called 5G, will be ready for prime time later this year.

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Mobile Retail Data Payments 194

Bank Innovation

OCTOBER 5, 2018

Digital money movement is convenient, and works well for utilitarian scenarios like paying bills and reimbursing friends, but falls a bit flat for gifting. It lacks ceremony. It's cold. And children -- until recently, the recipients of bills in peekaboo envelopes showing the notable American's face through the oval window -- tend to lack accounts […].

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Payments 150

Payments Dive

OCTOBER 4, 2018

Video, gaming, AI, robotic, AR/VR platform CIOs and CTOs looking to embrace newer digital transformation solutions should look holistically within the mobile infrastructure ecosystems, and tag the mobile telecom operator as a strategic partner.

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Mobile Video Operations Payments 341

Chris Skinner

OCTOBER 1, 2018

Another regular argument I’m having is whether digital is a revolution or evolution. I firmly believe it is revolutionary. When industries are being rebuilt from the ground-up with new technologies and new business models, then it is a revolution. When we are living in an age where every human on … The post If you think it’s evolution and not revolution, think again appeared first on Chris Skinner's blog.

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Automation is changing the game for commercial lenders, offering a clear path to competitive advantage in 2025. Rising costs, outdated workflows, and manual data entry slow growth and impact borrower satisfaction. Automation addresses these challenges, reducing costs, speeding up loan cycles, improving accuracy, and elevating borrower experiences. With market uncertainty easing, now is the time to act—waiting until loan volumes rebound leaves lenders unprepared and struggling to compete.

Lending

PYMNTS

SEPTEMBER 30, 2018

Ripple (XRP) has overtaken Ethereum within the last 24 hours, with a 7 percent surge in price for a market valuation of $24.28 billion. According to CCN , this is the third time this year that Ripple has moved past Ethereum, with each time occurring in the second half of September. But with the market cap of Ethereum only slightly below that of Ripple — combined with the weak volume of XRP — it is likely that Ethereum will regain its position as the second-most valuable cryptocurrency soon.

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blockchain Bitcoin Analysis cryptocurrency 192

Bank Innovation

OCTOBER 5, 2018

One of the biggest impediments for banks in acing customer service and user experience is being unable to seamlessly manage cross-product, cross-channel interactions. Bank of America is hoping to bridge that gap, albeit in a small way, by allowing its clients to move seamlessly between Bank of America, Merrill Lynch, Merrill Edge, and U.S. Trust […].

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America User Experience Mobile Management 150

Payments Dive

OCTOBER 5, 2018

Host Will Hernandez, discusses the rise of digital identity, how mobile affects the digital identity, with Equifax Mobile Strategy Leader, Hrishi Talwar.

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Strategy Mobile 262

Chris Skinner

OCTOBER 4, 2018

I was recently asked by TSYS to write a piece celebrating ten years of payments changes, as they are celebrating their ten year birthday of ngenuity, TSYS’s payments magazine. So I wrote something. Here’s your starter for ten: To commemorate the past 10 years of ngenuity, we wanted to look … The post Ten years of payments changes: a lookback appeared first on Chris Skinner's blog.

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Payments 264

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Operations

PYMNTS

OCTOBER 5, 2018

An Amazon of banking? That’s the description — perhaps clichéd but still apt — applied to FinTech firm Curve , which is on the hunt for $50 million in fresh capital, according to recent comments made by CEO Shachar Bialick to CNBC. The Amazon comparison came from Bialick, who also said that the three-year-old firm is looking to become more of a platform for services from various providers, explaining why it has not applied for a banking license.

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Comparison Fintech Cards Capital 192

Bank Innovation

OCTOBER 4, 2018

First Tech Federal Credit Union, a Mountain View, Calif.-based financial institution that services companies like Google, Amazon, and Microsoft, are updating 47 of the CU’s banking products and services. The revamping of the tech stack is a part of what the credit union has coined its “Omnichannel 2.0” strategy. Specific initiatives include reduced application abandonment […].

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Community Google Strategy Company 150

Payments Source

OCTOBER 3, 2018

Banks and merchants are rapidly deploying chatbots for answering basic account questions, shopping and accessing the internet of things. But new data suggests consumers don’t fully trust chatbots yet with payment account details and personal information. Here’s a look at what consumers think of chatbots and why it matters.

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Data Payments Online Mobile 133

Chris Skinner

OCTOBER 1, 2018

Things we’re reading today include … Euro slides after Italian lawmaker mentions return to own currency Tesco Bank fined £16.4m by watchdog over cyber-attack Policymakers share blame for the shadow banking boom Turkey arrests 417 for transferring foreign currency abroad City boss on board of conservation charity pictured with slaughtered … The post Things worth reading: 2nd October 2018 appeared first on Chris Skinner's blog.

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Analysis

PYMNTS

SEPTEMBER 30, 2018

Ripple , the blockchain startup, is heading up a new cryptocurrency lobbying group called Securing America’s Internet of Value Coalition. Coindesk , citing a Business Standard report late last week, reported the companies behind the lobbying group also include the RippleWorks Foundation ; Coil , a company developing a solution for digital payments; Hard Yaka , an investment firm focusing on digital assets; and PolySign , a company seeking to be a crypto custodian.

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Groups cryptocurrency blockchain Regulation 192

Bank Innovation

OCTOBER 4, 2018

It’s officially Fall, and financial services companies are taking to this new season with a fresh batch of new products and services. Payments company Square today launched Square Installments. As the name suggests, Square Installments is a POS payment option that allows sellers to give customers the choice to pay for a large purchase by […].

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Payments Company Operations Online 150

Payments Source

OCTOBER 2, 2018

Payments will melt into the wider commerce experience and create new incremental value for consumers, according to Brendan Miller, a principal analyst at Forrester.

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Payments Mobile Retail 125

Chris Skinner

SEPTEMBER 30, 2018

Things we’re reading today include … Digital start-ups complain they’re being frozen out of £775m RBS remedies contest City minister vows to defend London London’s online trading groups hit by European crackdown Overseas banks push for tax cuts ahead of Brexit How the IMF can manage the global economy better … The post Things worth reading: 1st October 2018 appeared first on Chris Skinner's blog.

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Taxes Groups Online Management 192

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