Every three years or so, merchants and billers have an opportunity to reconsider their card processing agreements with their acquirers. This is an opportunity to negotiate lower rates — especially if business is booming – and also the time that a merchant or biller...
Dennis Moser is Glenbrook’s payments systems expert. He’s worked on building the engines that make payment networks run, especially the critical component of the POS and payment acceptance infrastructure. He’s also been neck deep in payment data management...
I can't help it - I'm a consultant; I love putting things into categories and into context. I always find pictures and "maps" help when things get confusing. So here's my latest attempt at making sense of what's going on with mobile payments and cards. What...
Our clients are starting to ask us who we think is going to win the mobile wallet war in 2014. Questions like: What’s happening with the Isis rollout? What’s the next likely step in the evolution of the Google Wallet? Is PayPal’s In-Store initiative getting any...
Bitcoin's volatility continues to swing with the mood of investors, speculators, and the economic travails of countries like Argentina where Bitcoin usage is up sharply as concerns over the peso rise. The btc currency has swung between $70 and $100 since its...
How does disruption happen in mature industries? Clayton Christensen famously wrote about this phenomenon in his classic book “The Innovator's Dilemma.” Most commonly, the new disruptor enters from below - by providing new capabilities to those unserved by the...
I’ve been thinking a lot about the opportunities around helping micro merchants accept electronic payments. You know, your basic nanny/gardner/hot dog vendor/flea market vendor scenario. There are two competing emerging-payments approaches to this market. One is...
Every year I try to attend what I think of as the PayPal Developers Conference. This year what used to be the PayPal X Innovate Conference was expanded to include eBay app development, Magento app development, and –– most importantly –– X.commerce app development....
