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Virtual currencies will be the next wave of change

At #Eurofinance2011, I chaired another panel on innovations in payment channels with MasterCard, Coca-Cola and the UN World Food Programme. My opening piece talked about mobile channels and a lot about virtual currencies, including Facebook Credits, Ven Currency and Bitcoin. The mobile stuff garnered lots of nods and acceptance; the latter on virtual currencies seemed…

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Compare and contrast the UK and the Philippines

It's always interesting to compare and contrast financial markets and issues, and this was easily illustrated yesterday when I received a nudge of two videos. The first is from the UK and talks about debt; the second is from the Philippines and talks about using mobile payments to get food. The UK thinks it's impoverished…

Iceland: where banks are becoming just PFMs

I mentioned I was in Iceland last week, and was interested to find out what the banks were thinking. We only ever hear of Iceland’s woes and troubles, and so the ability to see first-hand what was happening to the banks was one that could not be ignored. According to Wikipedia, there are only a few…

Iceland banks1

Iceland: where banks are becoming just PFMs

I mentioned I was in Iceland last week, and was interested to find out what the banks were thinking. We only ever hear of Iceland’s woes and troubles, and so the ability to see first-hand what was happening to the banks was one that could not be ignored. According to Wikipedia, there are only a few…

Iceland banks1

Massive innovations in payments … not?

Just been through a meeting on payments and all areas of payments from SEPA to Basel III, corporates and trade, risk and liquidity, innovation and change and more. My role was to talk about all things that I see as innovative in payments right now. That’s a long list and so, in the interests of…

How banks can beat the telco’s at the mobile game

In the 1990s, I spent a long time studying bank trends and the future strategies banks and other would take.  The conclusion I came to is that there would be a general cross-industry bank trend, where non-banks would enter banking and, in order to get banking skills, would acquire banks.  The end-game would be that…

Stealing your mobile bank data

We had a meeting of the Financial Services Club last week that looked at fraud and mobile malware with the Serious Organised Crime Agency and the International Systems Security Association (ISSA).   It was an interesting meeting, as I’m particularly intrigued by stories about mobile as this is our hot space right now. Every bank…

Fraud

How BIG is Google’s Wallet launch?

So yesterday I was thinking that it’s not worth talking about Google’s announcement of a mobile wallet as it’s been covered everywhere. But to not mention it on the blog would be a serious loss of duty so, in answer to my question, it's BIG news.   In fact, it's VERY BIG. Google has announced a…

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Mobile Money in Afghanistan

I recently stumbled across a link to a report on Mobile Money in Afghanistan. It's a fantastic and in-depth report on the ground, interviewing Afghanistanis on their views about moving money and its challenges. Here's a brief summary of the introduction to the report: Over half the world's population lives without reliable banking institutions. They…

Sending money

The Mobile Revolution

Mobile featured heavily throughout the International Payments Summit and it is clear that mobile is not only important; it is imperative. This was made loud and clear by a comment from Daniel Marovitz of Deutsche Bank that it used to be that online and offline worlds were separate because, to make an online payment, you…

Mobile_infographic

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