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The latest on Apple Pay (#Money2020)

I just attended the Money2020 opening session where Jennifer Bailey, who heads up Apple Pay, made a series of statements and announcements about the three-year anniversary of Apple Pay. Released on October 20, 2014, the wallet is now used extensively in the USA and 19 other countries, including newly added …

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Digital is in our DNA

When you have your basic needs covered – food and shelter – what do you need then?  According to Maslow’s hierarchy of needs, it’s our psychological needs – love, belonging, self-esteem. This is exactly where digital plays into our hearts.  Our love and belonging is in Facebook and Baidu, which …

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A disruptive innovation appears

I was listening to a financier talking about FinTech the other day, and claiming that they are all sustaining innovations and not disruptive.  They were referring to Clayton Christensen’s innovator’s dilemma discussions, where Professor Christensen points to different markets that were destroyed by disruptors.  Those markets include the American car …

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