Tag Archives: payments

Samsung’s MPOS on a phone

Trend #7 in my 2020 technology trends, “Apple accepts payments” has come true, enabling small businesses take contactless payments without the need to buy additional hardware or dongles.

The new Samsung XCover-Pro, which comes with MPOS functionality as standard

The product comes from Samsung rather than Apple. Apple is rarely a first mover, so in hindsight I should have called the trend “Samsung accepts payments“.

Among several new features, Galaxy XCover Pro will also have Samsung POS, a mobile-based point of sale (MPOS) solution that has been approved by Visa’s Tap to Phone pilot program.

Continue reading Samsung’s MPOS on a phone

2020 Technology Trends and Predictions

Here are my technology predictions for 2020. I try to predict technology trends that are outside the mainstream, and with high expectations. It seems to get harder every year.

Every year I score my own previous year’s predictions– see how I fared for digital predictions for 2019 and work backwards. Hopefully my technology predictions for 2020 will fare a little better!

1. Alerts from voice assistants

Alexa prank to set an alarm at 3am
Alexa practical jokes were invented in 2015

If 2018 was the year of mass adoption of Alexa and Google Home devices, 2019 was the year of releasing a lot more skills. At the end of 2019, the Google Home device in our kitchen started answers requests with more suggestions of other skills. Cross-selling perhaps.

But this is nothing compared to where these devices are heading. I predict that by the end of 2020 these devices will be making proactive recommendations to us.

“Rain is due today, take an umbrella.”

“You still have 30 unread emails, why not deal with some of them?”

“You ordered XYZ from Amazon recently, and it’s due to arrive today”.

2. Wearables beyond your wrist

In 2020 we’ll see many more wearable devices.

In 2019, several devices for pets became available, from activity trackers to GPS trackers to smart collars.

Next year we’ll start seeing many more devices, such as spectacles from Vue or ByNorth (my favourites). With the announcement of the iPhone 12, we’ll probably hear Apple launch a new type of wearable beyond the Apple Watch.

And remember the $2.1 billion Google acquisition of Fitbit? Expect to see a new type of wearable from Fitbit in 2020. Continue reading 2020 Technology Trends and Predictions

Fintech for Breakfast (CSFI, September 2019)

Last week I went to the CSFI breakfast event and it was great. I’ve been to a CSFI event before (I was one of the panellists), but it was a different format back then.

Last week we went through a document of web links and discussed each one. It was much more interesting than it sounds. Jemima Kelly, the FT journalist who wrote many of those articles was one of the panellists.

Facebook Libra

What’s in it for anyone except for Facebook? (Left unanswered but with some good points made:

  1. It could be extremely disruptive and put massive pressure on the big currencies, making them look volatile.
  2. Governments will try to squash it – and if they do, Facebook might use this as an opportunity to show that it’s not evil.
  3. Facebook needs to find another revenue stream other than marketing, this might be the first.
  4. It’s simply/ only an ETF on Fiat currencies).

Continue reading Fintech for Breakfast (CSFI, September 2019)

Review of 2015 predictions

Time to look back on the 2015 predictions from 12 months ago…. how many of those crystal ball predictions came true?

1. Self-service: Next generation self-service offerings

When was the last time you telephoned a call centre? I can’t remember.

According to a report from Dimension Data, “Social media is already the first choice for Gen Y (globally).Continue reading Review of 2015 predictions

The history of credit cards

I just found this infographic on the History of Credit Cards from Sainsbury’s .

It’s like it because many of us are wrapped up in the FinTech revolution, and if you start believing your own hype, you’d think cash was invented a million years ago, plastic cards 10,000 years ago and mobile phones last January. Continue reading The history of credit cards

Reading list for June

The latest Marketplace Innovation report
The latest Marketplace Innovation report is available on Slideshare

During the last couple of weeks I’ve been working with clients across different industries – a key advantage for these clients, and something I love about my job.

It’s also been London Technology Week – a series of events showcasing you guessed it, Technology in London’s firms, including a great event at Goldman Sachs.

As well as these links I’m midway through reading Talk Like TED by Carmine Gallo which is easy to read and proven quite useful so far, although it would score high on the American cheesiness scale.

Here’s what I’ve been reading:

Continue reading Reading list for June

Web reading list for April

Question: Is this David Cameron's rating or Apple share price?
Question: Is this David Cameron’s rating or Apple share price?

Since the week before Easter I’ve been extremely busy – there was the holiday period, followed by a big family celebration, and then last Friday I managed to fall off my bicycle and break some fingers. In short… it’s been quite hectic.

During the family celebration I heard a brilliant quote from a friend, Yehuda, an IT Solution Architect, who had travelled from Israel to join us for a week. We were discussing how IT projects have become either prescriptive (detailed requirements) or business focussed (with high level requirements and leaving the solution to the supplier partner). He tells this to all his customers:

Tell me either what you want to do, or how to do it, but if you tell me both – go and do it yourself.

Continue reading Web reading list for April

Payments International 2015 – Endava & Worldpay Fireside Chat

As the Principal Sponsors of Payments International 2015 event, we had a slot to speak on the closing afternoon (I’m never sure if the last afternoon – especially a Friday afternoon – is a blessing or a curse).

One of our biggest clients in the payments industry, Worldpay, offered to join us at the event, so Nick Telford-Reed, their Director of Technology Innovation, and I both spoke on stage.

Continue reading Payments International 2015 – Endava & Worldpay Fireside Chat

Payments International 2015 – Day 3 report #PayInt15

Today was the final day of the Payments International 2015 conference. Here are my notes. Again I apologise for any brevity, grammatical abominations and spelling errors – this post is a case of publishing speed versus comprehensiveness.

Keynote

Smart companies and dumb companies - according to Mark Stevenson
Smart companies and dumb companies – according to Mark Stevenson

Mark Stevenson was the keynote speech. Mark is clearly a Marmite presenter – people either like or dislike him. Personally I liked his approach, and during the session started following him immediately at @optimistontour.

His keynote on “Why Infrastructure We Have Now Can’t Survive” began with describing how core infrastructure and business models are soon going to be unfit for purpose.

Continue reading Payments International 2015 – Day 3 report #PayInt15

Payments International 2015 – Day 2 report #PayInt15

Today I was at Payments International 2015, which is one of the main annual industry events. Endava are the principal sponsors (that’s my disclaimer) – a colleague spoke at the event yesterday, and I’m speaking tomorrow. I was busy elsewhere yesterday, so today was my first day at the conference.

“Apple bites man”

The first keynote talk was from Ben Hammersley, the Editor-in-chief at Wired magazine, but he also does the speaking circuit and he made an interesting documentary about cybercrime earlier this year.

Continue reading Payments International 2015 – Day 2 report #PayInt15