Give a Listen: It’s Conversational Commerce
Russ: “Siri, are you ready to help me buy something online?” Siri: “Not yet, Russ, but I may be able to at some point.” Not the answer I was hoping for, but at least Siri was honest about it! Siri, of...
View ArticleStore As Browser: What I Want From NFC
I want to be able to use my phone to tap a tag on a piece of merchandise at a store… and know that the item will be delivered to my home, and my card on file at the merchant be charged. I was in Macy’s...
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Square… It’s Déjà Vu All Over Again!
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...
View ArticlePayPal @ POS: My Field Trip Report
I went by the San Carlos Home Depot on the way to the Glenbrook office this morning and used PayPal’s “Empty Hands” to pay for my purchase. The whole thing worked and I left the store with a Home Depot...
View ArticleThe Potential for (Much!) Faster Payments in the U.S.
I’m at the Kansas City Federal Reserve Bank’s conference on Consumer Payment Innovation. Bruce Summers, Former Director, Federal Reserve Information Technology, just finished presenting a major paper...
View ArticleCo-Dependence Between Banks and Their Technologists: Hampering Innovation
Talking to banks and the biggest bank technology vendors at NACHA’s annual payments conference last week I couldn’t help thinking how they suffer from similar challenges. Big banks are hampered by...
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Live Blogging Finovate Spring 2012 San Francisco
Good morning! Gearing up for the two-day typing marathon that is Finovate. We’re at a huge venue this year (same as last year, apparently – someone else from Glenbrook was here then), a cavernous...
View ArticleThe State of Payments – U.S. Market 2012
It’s hard to believe that the end of 2012 is in sight – and it’s almost equally hard to believe that three years ago, a few of us at Glenbrook were thinking, “gee – all the exciting stuff in payments...
View Article“The U.S. itself was a start-up”: Notes from Venture Atlanta 2012
Young Atlanta-area businesses with big ideas and the venture capitalists that seek those big ideas gathered in Atlanta in October 17 and 18 to showcase the start-ups and share experiences from alumni....
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Machine Learning: A Road to Smarter Payments
I recently had the time and opportunity to bone up on machine learning. The opportunity that presented itself was a 10-week on-line course taught by a well known Stanford Computer Science professor,...
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Live Blogging Finovate Spring 2013 San Francisco
It’s Spring in San Francisco, so it must be time for the annual Finovate conference. Once again, Eric and Jim have pulled together an impressive group of companies and all my favorite payments geeks...
View ArticleThink Big: What Could Change Our Industry
Here are some thoughts on big actions that industry incumbents could take to strengthen their positions and the U.S. payments industry. What do these ideas have in common? First of all, they are...
View ArticleBitcoin in 2014
Last year was, of course, the break out year for Bitcoin. Incubating in geek-nurtured obscurity during its first few years, 2013 saw the international media, global investors, entrepreneurs, and even...
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EMV, Data Breaches, HCE and the Pace of Change in Payments
One of the pleasures of joining Glenbrook has been getting to know what and how the other Glebrookers think about what’s happening in the payments industry. We talk a lot at Glenbrook. Over iChat,...
View ArticlePlaid – A Modern API for Card Data
Our work in payment data cuts across many areas. Who has what data? How is it best monetized? How can it be put to use for better decision making? How can it be augmented and enhanced. It’s in this...
View ArticleBitcoin is like…
As is the case with many people in our industry, I’ve been giving a lot of thought recently to Bitcoin. When ever I run into something new, or puzzling, I try to find comparisons to help me...
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Glenbrook Launches Insight Workshop Bitcoin: Basics and Beyond
Any reader of Payments Views knows that most of us at Glenbrook are impressed by the potential of math-based currencies (MBCs). And all of us agree that participants in the payments industry (in the...
View ArticleTransactions Get Smart
Glenbrook held a great “Innovations in Payments” workshop this week – a group which energetically debated many topics, including Bitcoin (of course), tokenization, beacons, authentication, wearables,...
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Bitcoin and Payments Survey 2014
We’re at it again. We’re conducting our second annual Bitcoin and Payments Survey. Please participate! The survey takes about 7 minutes, maybe less. Do it from your smartphone while you’re waiting in...
View ArticleDo You Want a Million Dollars?
I was delighted and fascinated to see that the Gates Foundation has issued a “Grand Challenge” on enabling universal acceptance of mobile money payments. The Foundation’s previous best-known...
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