COVID-19 Update: Things Could Be Worse

By |2020-09-30T18:19:12+00:00April 14th, 2020|Payments|

It’s been a few weeks since my last blog post on the novel coronavirus (COVID-19) pandemic, so this seems a good time to revisit some of the statements I made then. At the time, I pointed out that equity analysts were still forecasting positive earnings per share for the major card networks, albeit lower than before the [...]

Wallets Within Wallets

By |2020-07-27T18:01:46+00:00July 24th, 2017|Payments|

On July 17, 2017, PayPal announced a new partnership with Samsung to enable PayPal as a payment method within the Samsung Pay mobile wallet. This parallels a similar announcement with Android Pay on April 18, 2017. PayPal followed this up with another announcement on July 20, 2017 that it would be incorporating Chase’s wallet Chase Pay as a funding mechanism in its own wallet, [...]

Fragmentation in the World of P2P Payments

By |2020-07-27T18:02:10+00:00June 26th, 2017|Payments|

Last time I wrote about the unbundling and rebundling of payments; what I didn’t cover was the downside, which is greater fragmentation of payment services. In the old world, consumers had limited choices when it came to payment methods: Visa, Mastercard, American Express for credit cards (along with domestic brands like China UnionPay and Discover). In the [...]

The Unbundling and Rebundling of Payments

By |2020-07-27T18:02:37+00:00June 13th, 2017|Payments|

One of the most interesting trends that I have been following for the past several years is what I call the “unbundling” of payments, which is the exposure of services through open application programming interfaces (APIs) that had previously been bundled into a single product. To think about the scope of services that could be [...]

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