tag:blogger.com,1999:blog-18727600Tue, 07 Jul 2009 06:21:02 +0000Payment and marketing convergence, with loyalty, discount, prepaid, and other added value features integrated into a single payment transaction - preferably using a mobile phone.http://aneace.blogspot.com/aneace.haddad@gmail.com (Aneace Haddad)Blogger340125AneacesBloghttp://feedburner.google.comtag:blogger.com,1999:blog-18727600.post-6714431161274115858Fri, 24 Apr 2009 23:38:00 +00002009-04-25T01:52:11.019+02:00Taggoloyaltymobile paymentAccording to a recent report by Colloquy, each U.S. household has an average of 14.1 loyalty program memberships, up from about a dozen in 2006. However, just 43.8% of those programs are active, translating into 6.2 average active memberships per household. Less than half of loyalty cards are active!“With the current economic climate, marketers must shift focus from growing their loyalty programshttp://feedproxy.google.com/~r/AneacesBlog/~3/Rb9ITsOg2hs/loyalty-card-saturation-elephant-in.htmlaneace.haddad@gmail.com (Aneace Haddad)4<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=Rb9ITsOg2hs:yZFQJautvSE:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=Rb9ITsOg2hs:yZFQJautvSE:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=Rb9ITsOg2hs:yZFQJautvSE:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=Rb9ITsOg2hs:yZFQJautvSE:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/Rb9ITsOg2hs" height="1" width="1"/>http://aneace.blogspot.com/2009/04/loyalty-card-saturation-elephant-in.htmltag:blogger.com,1999:blog-18727600.post-5915655673708550125Sun, 19 Apr 2009 01:45:00 +00002009-04-19T04:11:44.727+02:00acquiringTaggomobile paymentcontactlessPut loyalty and prepaid cards on mobile phones first, which will create the desire to have credit and debit cards as well, integrated into a single transaction. Going the other way, credit cards first, will be extremely challenging. The difference is the value proposition to customers and retailers.The main promise of putting credit and debit cards onto an NFC mobile phone seems to be, "you can http://feedproxy.google.com/~r/AneacesBlog/~3/lHPVhR0Q9UA/counter-intuitive-way-to-make-credit.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=lHPVhR0Q9UA:s5Jh7Jwm634:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=lHPVhR0Q9UA:s5Jh7Jwm634:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=lHPVhR0Q9UA:s5Jh7Jwm634:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=lHPVhR0Q9UA:s5Jh7Jwm634:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/lHPVhR0Q9UA" height="1" width="1"/>http://aneace.blogspot.com/2009/04/counter-intuitive-way-to-make-credit.htmltag:blogger.com,1999:blog-18727600.post-7390857480508822624Tue, 14 Apr 2009 09:02:00 +00002009-04-14T11:13:01.856+02:00Taggoinnovationloyaltymobile paymentI now look at loyalty programs, discount cards, prepaid cards, and other membership programs as mobile content, very similar to ringtones and games.The same way that people today send a text message with a key word or code to get a ringtone or game sent to their mobile phone, customers can also add loyalty and prepaid card programs to their phones.This is a paradigm shift that focuses on getting http://feedproxy.google.com/~r/AneacesBlog/~3/JyGdDfJW-IQ/loyalty-and-prepaid-programs-as-mobile.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=JyGdDfJW-IQ:B3qnRWgSepQ:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=JyGdDfJW-IQ:B3qnRWgSepQ:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=JyGdDfJW-IQ:B3qnRWgSepQ:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=JyGdDfJW-IQ:B3qnRWgSepQ:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/JyGdDfJW-IQ" height="1" width="1"/>http://aneace.blogspot.com/2009/04/loyalty-and-prepaid-programs-as-mobile.htmltag:blogger.com,1999:blog-18727600.post-2854584353721170053Tue, 07 Apr 2009 23:19:00 +00002009-04-14T11:14:40.523+02:00Taggoloyaltymobile paymentCheck it out here.http://feedproxy.google.com/~r/AneacesBlog/~3/h-MVOf0YqxU/taggo-now-has-website.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=h-MVOf0YqxU:Uz6JlT52LIo:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=h-MVOf0YqxU:Uz6JlT52LIo:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=h-MVOf0YqxU:Uz6JlT52LIo:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=h-MVOf0YqxU:Uz6JlT52LIo:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/h-MVOf0YqxU" height="1" width="1"/>http://aneace.blogspot.com/2009/04/taggo-now-has-website.htmltag:blogger.com,1999:blog-18727600.post-4336433780333351534Mon, 16 Mar 2009 23:19:00 +00002009-03-17T00:21:15.633+01:00This weekend, during a leadership training course I am doing here in Singapore, I had a breakthrough that helped me finally understand something important about empowering others. Top executives get to where they are by learning to delegate early in their careers. Many of us (raise my hand) tend to confuse delegating with empowering. I have had a nagging feeling for years that I could be much http://feedproxy.google.com/~r/AneacesBlog/~3/uoqaSOi4g9M/good-leaders-delegate-great-leaders.htmlaneace.haddad@gmail.com (Aneace Haddad)3<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=uoqaSOi4g9M:wWcYLlsj1_8:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=uoqaSOi4g9M:wWcYLlsj1_8:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=uoqaSOi4g9M:wWcYLlsj1_8:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=uoqaSOi4g9M:wWcYLlsj1_8:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/uoqaSOi4g9M" height="1" width="1"/>http://aneace.blogspot.com/2009/03/good-leaders-delegate-great-leaders.htmltag:blogger.com,1999:blog-18727600.post-5682723019845363674Thu, 26 Feb 2009 02:50:00 +00002009-02-26T04:06:40.933+01:00crisisNow here's a new angle. American Express is offering selected customers a gift of $300 if they pay off their balance and drop their account. This is the exact reverse of a sign-up bonus or gift that credit card issuers have been offering for years.More here.(Thanks Wan Ling for sending this to me! And Alan Hale too!)http://feedproxy.google.com/~r/AneacesBlog/~3/PExD87vF588/american-express-pays-people-300-to.htmlaneace.haddad@gmail.com (Aneace Haddad)2<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=PExD87vF588:puXr5EQE7qE:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=PExD87vF588:puXr5EQE7qE:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=PExD87vF588:puXr5EQE7qE:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=PExD87vF588:puXr5EQE7qE:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/PExD87vF588" height="1" width="1"/>http://aneace.blogspot.com/2009/02/american-express-pays-people-300-to.htmltag:blogger.com,1999:blog-18727600.post-7611861744743653462Thu, 19 Feb 2009 03:21:00 +00002009-04-14T11:15:30.490+02:00Taggoinnovationloyaltymobile paymentOk here’s what I’ve been working on. The patent was filed this week, so I can finally talk about it.Taggo is designed to add mobile tap and go convenience and one-step enrolment to existing loyalty and rewards card programs in a very simple and cost-effective way.TaggoView more presentations from aneace. (tags: loyalty contactless)Faced with the growing proliferation of loyalty cards offering http://feedproxy.google.com/~r/AneacesBlog/~3/CuyRjSu_BCA/startup-adds-mobile-convenience-and-one.htmlaneace.haddad@gmail.com (Aneace Haddad)2<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=CuyRjSu_BCA:Nk2YcMnebIU:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=CuyRjSu_BCA:Nk2YcMnebIU:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=CuyRjSu_BCA:Nk2YcMnebIU:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=CuyRjSu_BCA:Nk2YcMnebIU:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/CuyRjSu_BCA" height="1" width="1"/>http://aneace.blogspot.com/2009/02/startup-adds-mobile-convenience-and-one.htmltag:blogger.com,1999:blog-18727600.post-6367380730739242004Wed, 28 Jan 2009 20:00:00 +00002009-01-29T03:36:19.878+01:00acquiringcrisisWelcomeI have been thinking a lot about how the crisis is having a different impact on the world’s national banks, which don’t seem to be suffering as badly as the big international players. In the cards and payments business at least, national banks may be able to take advantage of the crisis to get ahead while big international players struggle to survive. Welcome’s customers tend in large part to be http://feedproxy.google.com/~r/AneacesBlog/~3/sgtp6owDawA/crisis-gives-national-banks-upper-hand.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=sgtp6owDawA:nI8bTdUpyTU:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=sgtp6owDawA:nI8bTdUpyTU:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=sgtp6owDawA:nI8bTdUpyTU:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=sgtp6owDawA:nI8bTdUpyTU:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/sgtp6owDawA" height="1" width="1"/>http://aneace.blogspot.com/2009/01/crisis-gives-national-banks-upper-hand.htmltag:blogger.com,1999:blog-18727600.post-4354657216451493163Mon, 26 Jan 2009 00:16:00 +00002009-01-26T04:17:48.523+01:00crisisinterchangeloyaltycontactlessMasterCard recently published a report, “Benefits of Open Payments Systems and the Role of Interchange.” (direct link, background). I interviewed MasterCard’s Shawn Miles, Group Head, Global Public Policy and Regulatory Strategy Counsel.Aneace: One of the benefits of interchange is that it helps fund innovation, and we have definitely seen in Australia that lower interchange means lower http://feedproxy.google.com/~r/AneacesBlog/~3/AWCICpXABU0/q-with-shawn-miles-mastercard-continued.htmlaneace.haddad@gmail.com (Aneace Haddad)3<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=AWCICpXABU0:caZLOz2yqlo:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=AWCICpXABU0:caZLOz2yqlo:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=AWCICpXABU0:caZLOz2yqlo:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=AWCICpXABU0:caZLOz2yqlo:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/AWCICpXABU0" height="1" width="1"/>http://aneace.blogspot.com/2009/01/q-with-shawn-miles-mastercard-continued.htmltag:blogger.com,1999:blog-18727600.post-9071268045037963048Sat, 24 Jan 2009 00:21:00 +00002009-01-24T01:25:02.650+01:00crisisinterchangeMany people have been after me for not keeping up with my blog. When the crisis hit everything changed. Things I was writing about suddenly seemed less relevant. Today, I can see more clearly that there are still many topics that are relevant, and even more so now, while there is at least one really big thing that is much less relevant. Interchange wars.One could imagine that some retailers mighthttp://feedproxy.google.com/~r/AneacesBlog/~3/fe7bypH-9fM/interchange-wars-are-over-for-now.htmlaneace.haddad@gmail.com (Aneace Haddad)3<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=fe7bypH-9fM:zHIbIa-kdlA:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=fe7bypH-9fM:zHIbIa-kdlA:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=fe7bypH-9fM:zHIbIa-kdlA:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=fe7bypH-9fM:zHIbIa-kdlA:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/fe7bypH-9fM" height="1" width="1"/>http://aneace.blogspot.com/2009/01/interchange-wars-are-over-for-now.htmltag:blogger.com,1999:blog-18727600.post-4061259598187541147Mon, 22 Dec 2008 03:25:00 +00002008-12-22T06:40:40.411+01:00acquiringcrisisinnovationloyaltyBanks have already substantially cut credit limits and it seems obvious that they should be giving out fewer cards than in the past, but you can’t really tell this with all the credit card marketing still happening in Singapore’s shopping districts. Will banks continue promoting card usage and credit consumption as the crisis grows, or will rewards programmes now focus much more heavily on other http://feedproxy.google.com/~r/AneacesBlog/~3/oUd_YSyi-84/crisis-much-of-traditional-thinking-in.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=oUd_YSyi-84:t3vtT333LJE:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=oUd_YSyi-84:t3vtT333LJE:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=oUd_YSyi-84:t3vtT333LJE:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=oUd_YSyi-84:t3vtT333LJE:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/oUd_YSyi-84" height="1" width="1"/>http://aneace.blogspot.com/2008/12/crisis-much-of-traditional-thinking-in.htmltag:blogger.com,1999:blog-18727600.post-2461134921089914807Tue, 09 Dec 2008 08:09:00 +00002008-12-11T08:56:20.501+01:00case studiesloyaltymobile paymentI have just finished compiling the results of an early, exploratory on-line survey I ran recently here in Singapore, testing the market for a mobile tap & go startup project that I am working on. Then, bang, synchronicity! I just got an e-mail from Aite Group on a survey they recently did in a similar area.My survey explores how customers deal with lots of retailer loyalty and discount cards, andhttp://feedproxy.google.com/~r/AneacesBlog/~3/EAr31f1saFM/mobile-tap-go-loyalty-wallet-market.htmlaneace.haddad@gmail.com (Aneace Haddad)5<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=EAr31f1saFM:QUSeXb3jMuc:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=EAr31f1saFM:QUSeXb3jMuc:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=EAr31f1saFM:QUSeXb3jMuc:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=EAr31f1saFM:QUSeXb3jMuc:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/EAr31f1saFM" height="1" width="1"/>http://aneace.blogspot.com/2008/12/mobile-tap-go-loyalty-wallet-market.htmltag:blogger.com,1999:blog-18727600.post-1230749685253620462Thu, 27 Nov 2008 23:40:00 +00002008-11-28T00:56:20.752+01:00crisisloyaltyResearch firm Aite Group has just produced a report on how the credit crisis will make credit card rewards programs even more crucial than they already are. Instead of simply saying that credit cards are the next bubble to burst and how customers are moving away from credit cards, this report attempts to go into more depth and starts to offer some visibility as to what the industry may look like http://feedproxy.google.com/~r/AneacesBlog/~3/NNZ8NwQ36pk/report-rewards-programs-are-even-more.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=NNZ8NwQ36pk:AsdFEVpjcGE:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=NNZ8NwQ36pk:AsdFEVpjcGE:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=NNZ8NwQ36pk:AsdFEVpjcGE:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=NNZ8NwQ36pk:AsdFEVpjcGE:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/NNZ8NwQ36pk" height="1" width="1"/>http://aneace.blogspot.com/2008/11/report-rewards-programs-are-even-more.htmltag:blogger.com,1999:blog-18727600.post-8892785229665520778Mon, 03 Nov 2008 15:49:00 +00002008-12-11T08:55:42.281+01:00mobile paymentcontactlessHere's an interesting article in NetworkWorld, titled I need a 'wallet phone' why?"Last night on my drive home I stopped at a Boston Market take-out restaurant and here's how I paid for my family's dinner: I handed the counter clerk my American Express, she swiped it through a card reader, and handed me a receipt. There was no PIN to enter and nothing to sign. Couldn't have taken 15 seconds."http://feedproxy.google.com/~r/AneacesBlog/~3/7m-2waGUDFs/phone-wallet-do-i-need-one.htmlaneace.haddad@gmail.com (Aneace Haddad)3<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=7m-2waGUDFs:QrHwR5Rixj8:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=7m-2waGUDFs:QrHwR5Rixj8:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=7m-2waGUDFs:QrHwR5Rixj8:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=7m-2waGUDFs:QrHwR5Rixj8:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/7m-2waGUDFs" height="1" width="1"/>http://aneace.blogspot.com/2008/11/phone-wallet-do-i-need-one.htmltag:blogger.com,1999:blog-18727600.post-8663790490260768379Sat, 20 Sep 2008 08:15:00 +00002008-12-11T08:54:48.969+01:00loyaltyHere's a positive thought after this past week. A veteran banker writes:"We need to stop for a moment and recognize that even if we do have the biggest challenge since the Depression, it has also presented us with possibly the biggest opportunity to build relationships with our customers that we’ll ever see."When I was a very young banker in the 1970s, I spent some time trying to sell small http://feedproxy.google.com/~r/AneacesBlog/~3/ktoj8cxYyqI/building-true-loyalty-helping-customers.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ktoj8cxYyqI:HMHSuxIjx9s:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ktoj8cxYyqI:HMHSuxIjx9s:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ktoj8cxYyqI:HMHSuxIjx9s:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ktoj8cxYyqI:HMHSuxIjx9s:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/ktoj8cxYyqI" height="1" width="1"/>http://aneace.blogspot.com/2008/09/building-true-loyalty-helping-customers.htmltag:blogger.com,1999:blog-18727600.post-5414311029954651222Fri, 12 Sep 2008 08:27:00 +00002008-12-11T08:54:11.759+01:00presentationsHere's the presentation that I gave at the EFMA conference yesterday.Haddad Efma Sept 2008View SlideShare presentation or Upload your own.A water pipe broke in the ceiling right above my head while I was waiting for my turn to speak, delaying the conference by 45 minutes and drenching my suit jacket and shirt. Maybe I should tone down all the talk about interchange!http://feedproxy.google.com/~r/AneacesBlog/~3/yHlSWrUIv4k/efma-2008-conference-presentation-paris.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=yHlSWrUIv4k:73N7z5zscM8:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=yHlSWrUIv4k:73N7z5zscM8:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=yHlSWrUIv4k:73N7z5zscM8:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=yHlSWrUIv4k:73N7z5zscM8:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/yHlSWrUIv4k" height="1" width="1"/>http://aneace.blogspot.com/2008/09/efma-2008-conference-presentation-paris.htmltag:blogger.com,1999:blog-18727600.post-9019985321164627924Sun, 31 Aug 2008 08:09:00 +00002008-08-31T10:30:32.848+02:00case studiesacquiringsurcharginginterchangeIf you want to see the real-world impact of interchange regulations, the best place to look is obviously Australia. This is a country where the most sweeping changes to the interchange model have taken place, a country seen by regulators everywhere as something of a model to learn from.If you can’t go to Australia to learn first-hand (maybe you've been trying to convince your boss to let you go, http://feedproxy.google.com/~r/AneacesBlog/~3/dPB1umm7a0Q/interchange-regulations-make-credit.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=dPB1umm7a0Q:m8DA4arZeYg:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=dPB1umm7a0Q:m8DA4arZeYg:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=dPB1umm7a0Q:m8DA4arZeYg:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=dPB1umm7a0Q:m8DA4arZeYg:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/dPB1umm7a0Q" height="1" width="1"/>http://aneace.blogspot.com/2008/08/interchange-regulations-make-credit.htmltag:blogger.com,1999:blog-18727600.post-369882526308193050Sat, 16 Aug 2008 00:43:00 +00002008-08-16T07:10:44.746+02:00This is something I am running into more and more frequently. The clerk asks you to sign both the credit card slip as well as the cash register receipt. Presumably, they need to keep the signed cash register receipt to deal with chargebacks. There could be an opportunity here for a payment provider to offer a better service to retailers so that they don't feel they need to do this.Even worse, thehttp://feedproxy.google.com/~r/AneacesBlog/~3/9h06NlE_RCM/why-do-some-merchants-make-you-sign.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=9h06NlE_RCM:jF_vdwyE7IE:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=9h06NlE_RCM:jF_vdwyE7IE:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=9h06NlE_RCM:jF_vdwyE7IE:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=9h06NlE_RCM:jF_vdwyE7IE:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/9h06NlE_RCM" height="1" width="1"/>http://aneace.blogspot.com/2008/08/why-do-some-merchants-make-you-sign.htmltag:blogger.com,1999:blog-18727600.post-8344169187957702797Thu, 31 Jul 2008 10:07:00 +00002008-07-31T12:34:22.347+02:00acquiringPIVASPaymentsNews reported yesterday on a Mercator report titled, "Merchant Acquiring in the United States 2008: Birth of the perfect storm".Pressure on merchant acquirers has always been strong, but things are expected to get worse. Mercator encourages acquirers to protect their businesses by focusing on value-added services leveraging payment data, among other things."Diversification of merchant http://feedproxy.google.com/~r/AneacesBlog/~3/kMCfx47T8zE/mercator-encourages-acquirers-to.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kMCfx47T8zE:OXYd9nT8L0c:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kMCfx47T8zE:OXYd9nT8L0c:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kMCfx47T8zE:OXYd9nT8L0c:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kMCfx47T8zE:OXYd9nT8L0c:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/kMCfx47T8zE" height="1" width="1"/>http://aneace.blogspot.com/2008/07/mercator-encourages-acquirers-to.htmltag:blogger.com,1999:blog-18727600.post-7405139313762659127Thu, 31 Jul 2008 05:51:00 +00002008-07-31T08:05:37.731+02:00presentationsAre you looking for a conference speaker who delivers thoughtful and thought-provoking presentations on current topics facing payment executives around the world?How and when should banks innovate? Should banks lead new initiatives, like mobile payments, or should they follow others and play a supporting role? How can banks prepare for the risk of lower interchange? Will contactless change the http://feedproxy.google.com/~r/AneacesBlog/~3/kn_rwjWiuhQ/conference-themes-bit-of-unabashed-self.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kn_rwjWiuhQ:_5la-20RfeI:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kn_rwjWiuhQ:_5la-20RfeI:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kn_rwjWiuhQ:_5la-20RfeI:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=kn_rwjWiuhQ:_5la-20RfeI:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/kn_rwjWiuhQ" height="1" width="1"/>http://aneace.blogspot.com/2008/07/conference-themes-bit-of-unabashed-self.htmltag:blogger.com,1999:blog-18727600.post-6789424364749298246Mon, 28 Jul 2008 02:25:00 +00002008-07-28T05:07:51.368+02:00acquiringLast week, an executive with a regional bank in Asia explained to me that they were beginning to regret the decision to outsource their acquiring activities to a major third party processor. They are finding that without direct control of their acquiring business, it is now much harder to develop marketing promotions and partnerships with merchants. These promotions have become very important forhttp://feedproxy.google.com/~r/AneacesBlog/~3/ncQvvAgXlXI/are-asian-banks-having-second-thoughts.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ncQvvAgXlXI:DZejHkNTHXM:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ncQvvAgXlXI:DZejHkNTHXM:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ncQvvAgXlXI:DZejHkNTHXM:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=ncQvvAgXlXI:DZejHkNTHXM:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/ncQvvAgXlXI" height="1" width="1"/>http://aneace.blogspot.com/2008/07/are-asian-banks-having-second-thoughts.htmltag:blogger.com,1999:blog-18727600.post-5445457778202486081Mon, 28 Jul 2008 02:23:00 +00002008-07-28T04:59:13.334+02:00acquiringreceipt promotionsPIVASYou can see these promotions across Asia, where many banks are still active in merchant acquiring and see it as a useful support function for their card issuing business. Some banks are finding that without direct control of acquiring, it is much harder to develop marketing promotions and partnerships with merchants (more here on banks having second thoughts about outsourcing their acquiring http://feedproxy.google.com/~r/AneacesBlog/~3/92uQCAmmjYU/examples-of-card-promotions-possible.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=92uQCAmmjYU:SXhaC2YNKqU:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=92uQCAmmjYU:SXhaC2YNKqU:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=92uQCAmmjYU:SXhaC2YNKqU:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=92uQCAmmjYU:SXhaC2YNKqU:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/92uQCAmmjYU" height="1" width="1"/>http://aneace.blogspot.com/2008/07/examples-of-card-promotions-possible.htmltag:blogger.com,1999:blog-18727600.post-7597941836694249252Thu, 24 Jul 2008 07:14:00 +00002008-07-24T09:48:11.234+02:00innovationmobile paymentSince contactless credit cards are not taking off as fast as expected, and neither customers nor merchants are excited about tapping a card instead of swiping it, some analysts have started looking at contactless as a bridge to mobile payments, which is now seen as the next great revolution. I'm having trouble buying this.How can contactless create the reader infrastructure that is required for http://feedproxy.google.com/~r/AneacesBlog/~3/BvRKxEzHqws/when-should-bank-launch-mobile-payment.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=BvRKxEzHqws:eZ2_EdSPOWQ:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=BvRKxEzHqws:eZ2_EdSPOWQ:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=BvRKxEzHqws:eZ2_EdSPOWQ:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=BvRKxEzHqws:eZ2_EdSPOWQ:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/BvRKxEzHqws" height="1" width="1"/>http://aneace.blogspot.com/2008/07/when-should-bank-launch-mobile-payment.htmltag:blogger.com,1999:blog-18727600.post-4703695734167312880Fri, 18 Jul 2008 00:26:00 +00002008-07-18T02:32:15.523+02:00presentationsinnovationChris Skinner was in Hong Kong at the Financial Cards & Payments Asia conference which I wrote about earlier. Chris just did a very good post on a presentation by eBank Japan. Check out Internet banking ... but not as we know it."An $8 billion in assets bank, with almost 3 million customer accounts, operated by just 195 staff. 195 people in total that is. 15,000 accounts per staff member. How do http://feedproxy.google.com/~r/AneacesBlog/~3/20vsfSR7viw/internet-banking.htmlaneace.haddad@gmail.com (Aneace Haddad)0<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=20vsfSR7viw:gM9d2Dl79sk:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=20vsfSR7viw:gM9d2Dl79sk:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=20vsfSR7viw:gM9d2Dl79sk:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=20vsfSR7viw:gM9d2Dl79sk:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/20vsfSR7viw" height="1" width="1"/>http://aneace.blogspot.com/2008/07/internet-banking.htmltag:blogger.com,1999:blog-18727600.post-5361601731875208904Thu, 17 Jul 2008 02:39:00 +00002008-07-17T04:56:39.825+02:00presentationsinnovationI chaired a conference this week in Hong Kong (Financial Cards & Payments Asia) and gave the keynote address, which you can download here. | View | Upload your ownMany thanks to Dave Birch for giving me the idea of opening the talk with a 1964 magazine advertisement for Sheaffer pens. The ad shows a futuristic key ring that projects a holographic image of a credit card. It even shows 4 tiny http://feedproxy.google.com/~r/AneacesBlog/~3/O-sNEl5V0RA/how-will-banks-meet-challenges-of.htmlaneace.haddad@gmail.com (Aneace Haddad)1<div class="feedflare"> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=O-sNEl5V0RA:ijHbPKMQ4qQ:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=yIl2AUoC8zA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=O-sNEl5V0RA:ijHbPKMQ4qQ:UT3xtbGYFzA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=UT3xtbGYFzA" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=O-sNEl5V0RA:ijHbPKMQ4qQ:63t7Ie-LG7Y"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=63t7Ie-LG7Y" border="0"></img></a> <a href="http://feeds.feedburner.com/~ff/AneacesBlog?a=O-sNEl5V0RA:ijHbPKMQ4qQ:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/AneacesBlog?d=7Q72WNTAKBA" border="0"></img></a> </div><img src="http://feeds.feedburner.com/~r/AneacesBlog/~4/O-sNEl5V0RA" height="1" width="1"/>http://aneace.blogspot.com/2008/07/how-will-banks-meet-challenges-of.html