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Financial institutions opening up… the ‘app era’ is here!The last 2 days, I was at EBAday. 600 bankers and exibitors under one roof discussing ‘unlocking the full potential of SEPA’. Lots of panel discussions on innovation, e-invoicing, e-SEPA, etc. During one of these presentations I realised that I am probably missing out on a major interbank ‘e’ collaboration initiative. As an expert in this [...] > Read more...E-identity: looking for business problems to be solvedLast week I visited for the first time the Internet Identity Workshop in Mountain View (www.internetidentityworkshop.com). It was a great happening with lots of people ‘on a mission’ (me included). After all impressions ‘sunk aways’ the following sticks around in my mind: Fragmentation. The domain is highly fragmented with lots of initiatives. On the event [...] > Read more...Is there a role for the banks in m-banking?M-banking is hot, but not in the high-tech sense. Financial services via the mobile phone specifically get attention in emerging economies, where there is a high penetration of mobile phone subscribers and low bankarization. Although banks in these economies could benefit enormously from this potential, it seems that the mobile operators have the strongest position: [...] > Read more...The payments landscape: the little voice in my headMay 13th, 2010 by Douwe Lycklama in E-identity, E-invoicing, EPCA conference, Online payments, SEPA and PSD, innovation
Some weeks after the EPCA Conference in Disneyland some thought keep coming back in my mind: payments business will never be the same … Let me summarize: 1. people’s behaviour is continuously changing giving way for new ways of transacting. Social networks, mobile phones, growing e-commerce, businesses and supply chains integrate 2. the banking industry does not [...] > Read more... Tags: E-identity, E-invoicing, e-payments, EPCA conference, innovationBankers need to move towards new frontiers in paymentsThe yearly EPCA Conference is one of the very few conferences where payments are being discussed in their wider strategic context. For years conference chairmen and organizers Harry Smorenberg and Douwe Lycklama have been shaping the EPCA Conference into an event they would like to go to themselves. The yearly reviews of the EPCA Conference [...] > Read more... Tags: cash, conference, Disneyland, E-identity, E-invoicing, e-payment, EPCA, PSD, SEPAFree new report on Mobile PaymentsInnopay is happy to announce the forthcoming release of ‘Mobile payments 2010 – Market analysis and overview’. “The aim of this report is to contribute to the further understanding and structuring of mobile payments, allowing decision-makers to better find their way in this complex matter. It is intended for the entire mobile payments industry, including merchants, [...] > Read more... Tags: Free reportBBS and PBS: An exciting new player to offer Financial LogisticsSeptember 28th, 2009 by Remco Boer in E-business and e-commerce, E-identity, E-invoicing, Online payments
I received a press release announcing the intended merger of Danish PBS and Norwegian Nordito (owner of BBS and Teller). This merger will produce the leading player in the world’s leading market, miles ahead of the rest of the globe when it comes to integrated electronic value transactions. Both PBS and Nordito are bank owned companies [...] > Read more... Tags: BBS, Financial Logistics, innovation, PBS, The Nordic countriesSME’s “How to start e-invoicing?”Small and medium size businesses (SME’s) are an important part of the economy. Within the EU they account for 99.8% of all businesses, 67% of all employment and 57% of added value (Eurostat). In terms of invoicing, SME’s are party to over 50% of all invoices. If electronic invoicing is ever going to take off, [...] > Read more... Tags: E-invoicing, E-readiness, SMEOn-line identities: coming soon to distance sellers?As published in the EMOTA white paper on online payments (recommendation #3) distance sellers seek solutions which let buyers identify themselves online, in order to reduce fraud. In this respect the needs for distance sellers are the same as for governments who also want to bring a vast variety of governmental services on-line. The good news [...] > Read more... Tags: E-identity, EMOTASEPA drying up profits in remittanceWhile reading the June 2009 issue of McKinsey on Payments, I encountered an article on remittance that got me thinking about remittances within Europe. The McKinsey article discussed the lucrative but difficult remittance market. “Global remittances can be analyzed by geographical “corridors” of money flows between countries.” The largest corridor is between the US and Mexico, with [...] > Read more... Tags: European Union, Poland, Remittance, SEPA, the Netherlands
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