Smart Commerce will only succeed with Smart Banking

Bill Ready had a great post at PandoDaily on the growing importance of smart mobile driven commerce. In my view this is one side of the equation of the future of commerce, the other side being the creation of smart banking services. Using Bill’s example: I book a flight to San Francisco, my financial service app warns me that […]

The battle for the POS is the battle for digitization of physical retail

The POS market has recently seen interesting transactions and announcements: First Data acquired Clover end of2013 and launched its Clover Point of Sales in 2014. First Data Quietly Buys Payments Startup Clover; Launches Point Of Sale Platform For Merchants Amazon acquired GoPago’s asset and team. Amazon Bought GoPago’s Mobile Payment Tech And Product/Engineering Team, DoubleBeam Bought The […]

Understanding a Bitcoin advocate

After an eventful last year, 2014 is starting with more debate and conversations around Bitcoin. It is often said that understanding Bitcoin is too technical for the average user (and at core it is, for a good summary of Bitcoin, this things the following is one of my favorite posts : http://brokenlibrarian.org/bitcoin/ ), but understanding Bitcoin […]

Braintree takes Venmo Touch international with AMEX > what it means for credit

With Simple and now AMEX on board as preferred marketing partners in the US and UK, expect Braintree to follow a similar playbook in future markets. There also could be some significant competition in these initial two markets from other payment card companies (Visa, Mastercard, Discover, etc.) seeking to get their cards installed into Venmo’s […]

Payment startups: thoughts on acquisition cost, payment processing cost and marketing services

With the cambrian explosion of payment startups, clones tackling mobile, NFC, QR codes, cryptography etc. it is quite a confusing market, especially when looking for the startups and companies that will shape the market. One possible framework to look at payment startups is to focus on the 2 main competitive  forces in the market in […]

Shadow banking: a platform for innovative financial services

Shadow banking has become a focus of media in the last years, with many headlines on its growing size, its supposed incomprehensible structure and how it was superseding the existing banking system . This view has often been biased toward rejection and misunderstanding. After all, one can argue an independent hedge fund has a better aligned […]

Bank hacking: power to the financial services makers

With the Maker Faire movement growing over the last few years, Hardware hacking has finally been making the headlines. It is one of the root causes of the recent startup hardware trends that are also fueled by platforms such as Kickstarter. What is interesting to me is that independent, smart  and techno savy people put the […]

2013 – First Notes

2013 starts very strong and time is already a precious resource. Some notes on what I am interested in: – Redefinition of Employment:  Crisis may recede, but long term changes to employment structure will not. Rise of the Robot Economy. http://ftalphaville.ft.com/2012/12/10/1303512/the-robot-econ… Information employment less stable (as detrimental to knowledge expansion) Possible impacts: Underwriting, Lending Structure […]

Fortune 2.0 – small assets management

I have highlighted in the past several major trends affecting financial services : – Digitization of transactions, especially receipts from purchases. – Improvement and democratization of marketplaces, lowering the cost of liquidity on transactions – Improved leverage of assets from the emergence of collaborative consumption (Airbnb, Getaround) Private Banking is sometimes offering to their high […]

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