The document discusses emerging payment innovations including the decline of cash and checks, the rise of micropayments and mobile money, and the integration of wireless payments, wearable devices, and biometrics. This could lead to the death of traditional payment methods like cash and cards, as well as usernames and passwords, as biometrics and new contactless or mobile-enabled devices become the primary way to authenticate and complete payments.
Why Bitcoin is following the same trajectory as the Internet itself(originally just a TCP/IP standard) as it goes from a techy undertaking to becoming the underpinnings of something was more powerful.
DC Blockchain Summit Unites 500+ Global Blockchain Advocates
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Why Bitcoin is following the same trajectory as the Internet itself(originally just a TCP/IP standard) as it goes from a techy undertaking to becoming the underpinnings of something was more powerful.
DC Blockchain Summit Unites 500+ Global Blockchain Advocates
The Chamber of Digital Commerce and Georgetown University’s Center for Financial Markets and Policy held the second annual DC Blockchain Summit on March 15 & 16, 2017. The Summit brought together thought leaders in government, financial services, insurance, healthcare and technology from over 20 counties to advance the adoption of blockchain technology.
apidays LIVE London 2021 - Physical gold investments made easy by Sylvia Carr...apidays
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October 27 & 28, 2021
Banking APIs and Fintech Ecosystems
Physical gold investments made easy
Sylvia Carrasco, CEO at Goldex
Asset Servicing Times Industry Excellence Awards 2021 Media Kit And Booking FormJonathan Savage
The Asset Servicing Times Industry Excellence Awards 2021 are dedicated to supporting and recognising talented and dedicated firms, individuals and departments across our industry. All of our award winners will form part of an exclusive group comprising some of the most influential names in the financial services market.
Bitcoin - Gold of the Future - Update July 2020Frank Schwab
Since peaking at just under $ 20,000 on December 17, 2017, Bitcoin has lost more than three-quarters of its value. In January 2019, the price was a little over USD 3,000. And in July 2020, it already recovered to USD 11,000. Bitcoin is far from being a payment system, but much more a digital asset. Therefore, a comparison between Bitcoin and gold is worthwhile to take a look into the future.
Bitcoin vs Gold : Facts & Figures
CoinGecko 2019 Year End Cryptocurrency ReportCoinGecko
This is the tenth cryptocurrency report produced by CoinGecko covering the full year of 2019.
In this report, we summarize and highlight the market dynamics in the cryptocurrency market such as:
- Market capitalization growth, volume change, and price movement
- Exchanges & Stabelcoins
- Crypto companies M&A
- 2020 Predictions from 20+ Thought Leaders
- 2020 Key Events
- Ethereum 2.0 Overview
- DeFi Growth
- Decentralized application (Dapp), Non-Fungible Tokens (NFT), and Masternodes market summary
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View all of CoinGecko's historical quarterly reports here:
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Presentation for the fintech audience at MIT Enterprise Forum in Warsaw. The presentation illustrated three key areas of fintech: 1) Distributed Finance, 2) Open API Ecosystems, 3) Software Bankers.
Economics, money, and the way we make payments have undergone several changes since the time of the Stone Age. In a sense all these are key indicators of our progress as a species. The primitive methods indicated our primitive way of living. Similarly, the current payment methods powered by cutting-edge technology boast our technological achievements of today.
Bitcoin - Gold of the Future - Update July 2020Frank Schwab
Since peaking at just under $ 20,000 on December 17, 2017, Bitcoin has lost more than three-quarters of its value. In January 2019, the price was a little over USD 3,000. And in July 2020, it already recovered to USD 11,000. Bitcoin is far from being a payment system, but much more a digital asset. Therefore, a comparison between Bitcoin and gold is worthwhile to take a look into the future.
Bitcoin vs Gold : Facts & Figures
CoinGecko 2019 Year End Cryptocurrency ReportCoinGecko
This is the tenth cryptocurrency report produced by CoinGecko covering the full year of 2019.
In this report, we summarize and highlight the market dynamics in the cryptocurrency market such as:
- Market capitalization growth, volume change, and price movement
- Exchanges & Stabelcoins
- Crypto companies M&A
- 2020 Predictions from 20+ Thought Leaders
- 2020 Key Events
- Ethereum 2.0 Overview
- DeFi Growth
- Decentralized application (Dapp), Non-Fungible Tokens (NFT), and Masternodes market summary
Download the full report here:
https://bit.ly/coingecko-2019-report
View all of CoinGecko's historical quarterly reports here:
https://reports.coingecko.com/all-report
CoinX Trading Business Concept EnglishRomeo Abuhan
How do you like to get paid everyday? How do you like to earn money by trading and investment? Earning is that easy. Earn everyday, over and over again with CoinX Trading.
Coinx Trading offering Bitcoin Trading opportunity with fixed daily returns.
Earn daily 0.4% to 1.5% per day.
With affiliated incomes,
Direct referral 10%, and
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TRADE AND INVEST with doing nothing. No hard selling, no hassle.
Register free here:
http://ow.ly/NwGa30ewwbx
Fintech 2017 Vision and Insight - MIT Enterprise Forum PolandGrow VC Group
Presentation for the fintech audience at MIT Enterprise Forum in Warsaw. The presentation illustrated three key areas of fintech: 1) Distributed Finance, 2) Open API Ecosystems, 3) Software Bankers.
Economics, money, and the way we make payments have undergone several changes since the time of the Stone Age. In a sense all these are key indicators of our progress as a species. The primitive methods indicated our primitive way of living. Similarly, the current payment methods powered by cutting-edge technology boast our technological achievements of today.
Created with speed in mind, the Blocklite Blockchain is the fastest crypto engine to date. By replacing minors with a centralized calculation engine, Blocklite unleashes speeds of over 100k transactions per second and REMOVES ALL GREEN HOUSE GAS EMISSIONS from blockchain.
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How to Accept Bitcoins and Any Type of Credit Card from anyone in the world?KANNAN RENGARAJAN
Review of Mobile Payments Platforms created by Circle Plus Payments. Learn as a small business owner how to process payments without contracts and without paying fees! visit www.circlepluspay.com
A short summary of trends and technology in mobile payments. A brief look into the past, present and future of mobile payments. We will have detailed sessions on each in the coming versions.
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Holger Mueller of Constellation Research shares his key takeaways from SAP's Sapphire confernece, held in Orlando, June 3rd till 5th 2024, in the Orange Convention Center.
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An introduction to the cryptocurrency investment platform Binance Savings.Any kyc Account
Learn how to use Binance Savings to expand your bitcoin holdings. Discover how to maximize your earnings on one of the most reliable cryptocurrency exchange platforms, as well as how to earn interest on your cryptocurrency holdings and the various savings choices available.
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Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
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This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
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Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
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The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
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10. www.balatroltd.com
• 2,000,000 songs in the library (200,000 in 2003)
• largest music library in the world
• 82% US market share of song sales
• sold 1,000,000,000 songs by February 2006 (three years)
• estimate 5% of revenues (2006, $2 billion)
• 1,800,000 songs sold every day
• 10,000,000 user accounts with credit cards
• average account has purchased 60 songs
• iTunes is the largest internet store behind Amazon
13. www.balatroltd.com
about PayPal
• Founded, December 1998
• Purchased by eBay for $1.3 billion in October 2002
– after BillPoint / eBay Payments failed due to restriction to eBay only
– PayPal then had 20 million accounts in one market compared to 100
million accounts in 55 markets today
14. www.balatroltd.com
about PayPal
• Vision: The global leader for online payments
• Mission: Build the web’s most convenient, secure, cost-
effective payment solution
• Competitive Advantages: Convenience, Cost effectiveness,
Fraud and trust management, Network breadth
15. www.balatroltd.com
about PayPal
• $27.5 billion of transactions in 2005, up 45% year over year
– 2004, $18.5 billion
– 2003, $12.2 billion
• $1,021 every second
• 35.8% of revenues non-US
17. www.balatroltd.com
PayPal in perspective
Number of credit card-accepting merchants (millions)
Sources: Visa and MasterCard websites; Nilson Report; Business Week
5.6 5.6
4.2
3.5
11.1
PayPal Visa MC Discover Amex
* US Premier / Business Accounts, Q1 2005
18. www.balatroltd.com
this is why
• micropayments will be common
and will generate $39bn in
revenues in 2009
Source: Jupiter Media, 2004
20. www.balatroltd.com
this is why
• micropayments will be common
and will generate $39bn in
revenues in 2009
• the global mobile commerce
market will be a major industry
with revenues of $68bn by 2009
• retail mobile transactions will
be worth $29m by 2009
• an average consumer will make
28 mobile transactions a year
by 2009
• the average transaction will be
worth approximately $3
Source: Jupiter Media, 2004
25. www.balatroltd.com
Cellphone based e-money via secure text messaging allows P2P payments
and international remittances for 1.3million users processing $1.5 billion p.a.
28. www.balatroltd.com
Hong Leong Bank issue the Mobile Credit Card. The cardmember confirms
payment by Text Message rather than by MasterCard, VISA or AMEX.
32. www.balatroltd.com
When you activate your phone, you start off securely
You can only activate your phone for PayPal mobile on the PayPal website, and you must create a unique mobile PIN. Activation is only
completed after we call you back and you enter your PIN. This confirms that you actually own the phone you’ve activated.
Privacy is built in
Whether you’re on the phone or online, your credit card and banking information are never revealed when you use PayPal.
You control every transaction
You confirm payment details for every transaction you make. If you don’t confirm when you are called, no money is sent.
Incomplete payment details or dropped calls won’t cost you
If your call is dropped before you complete the payment details, you can send again without worrying about paying twice. No money is sent
until you fully confirm.
Your account’s safe, even if your phone is lost or stolen
You can only access your PayPal account by phone with your PayPal mobile PIN—just like your ATM/debit card. Plus, you can easily report
the number of your lost or stolen phone to PayPal either online or by calling our customer support.
Our online protection also covers PayPal mobile
With mobile, you get the same buyer protection programs and customer support that you get with PayPal online. And our proprietary fraud
models apply to secure PayPal mobile transactions.
36. www.balatroltd.com
JP Morgan Chase
www.chaseblink.com
• J.P. Morgan Chase has about 94 million credit cards in circulation
• aimed at purchases less than $25
• speed up a typical transaction by 15% to 20%
• cardholder transaction volumes up 12%
• average transaction size up 20% to 30%
"It's our intent to create this market by issuing millions of cards"
Tom O'Donnell, SVP
Sources: http://weblog.infoworld.com/techwatch/archives/001406.html
http://money.cnn.com/2005/05/19/news/economy/express_pay/?cnn=yes
http://www.contactlessnews.com/library/2005/08/23/thinking-blink-jpmorgan-chase-gets-a-jump-on-the-smart-card-market-one-blink-at-a-time/
40. www.balatroltd.com
London’s Oyster Card
• Launched 2002
• 2.5 million users
• 3 million journeys per day
• 8.5 million user potential
2005: tender to expand offer to
fast food, newspapers, cans, etc.
2006: no bank could tender at a
cost per transaction that was
sustainable … including PayPal!
41. www.balatroltd.com
Hong Kong’s Octopus Card
• Launched 1997
• the world's leading and most
extensive smartcard payment
system
• >300 service providers across
different businesses in Hong
Kong including public
transport, parking, retail,
vending, kiosks, schools,
leisure facilities and access
control for residential and
commercial buildings
• over 12.4 million Octopus cards in circulation
• 95% of 16-65 year olds have one
• handles over 9 million transactions a day with transactions value
exceeding HK$66 million
47. www.balatroltd.com
wireless wallets
• launched in 2001
• 5.1 million users by July 2004
• 10 million users by July 2005 after
FeliCa phones launched
• i-mode FeliCa can be used at 30,000
outlets from convenience stores to
vending machines, railways, taxis,
movie theatres and karaoke bars
• users can charge their phone with up
to ¥ 50,000 ($450) per visit to a
reader/writer machine
• average amount per purchase is ¥630
($5.50¢) on a mobile wallet compared
with ¥500 ($4.50¢) for cards
• users can lock the mobile wallet to
prevent payments being made
49. www.balatroltd.com
1. National chain store - Easy to recognize
2. Redevelopment area – Many stores around the area
Inside office buildings In the Airport
In Tokyo
Shiodome Marunouchi
Roppongi Aoyama
Shinagawa Osaki
targeted partners
50. www.balatroltd.com
World’s First, Transfer “Mileage” to “e-Money”
Advantages
User Increase Mileage Value, activate Edy Usage
ANA Increase Card Holders & Usage
Edy Merchant Increase Customer & Sales
bitWallet Increase Card Holders & Edy Merchant
10,000 miles = 10,000yen
Shopping by using
Web
Call
Transfer mile to
at home
at Airport, etc.
Apply on Web
or Call Center
Mileage Center
Shopping by AMC Card
affiliates
Transfer Mileage to Edy
Earn Mileage by using Edy card
200yen = 1 mile
Data Center
Edy on ANA mileage club membership card
AMC Edy Card
ANA Edy Card
51. www.balatroltd.com
Result
… from many …
Application Railway
Parking
Card
MileageCredit
Card
ID ・・・Member
Point
Bus
Credit Card + Edy Membership Card
+ EdyID Card + Edy
Suica
Parking Card
+ Edy
+ Credit Card
+ Bus Card
IC Card FeliCa
52. www.balatroltd.com
Result
… to few …
Integrated
Card
Mobile
Phone
Osaifu-KeitaiOsaifu-Keitai
Application
Railway
Parking
Card
MileageCredit
Card
ID ・・・Member
Point
Bus
IC Card FeliCa
cybernetics area Common area
Linkage
70. www.balatroltd.com
roll on biometrics
“At 115 U.S. airports and 14 seaports
foreign visitors will undergo digital
fingerprinting and will have their pictures
taken as well. The information will be
matched against various watch lists and
will become part of a permanent record.”
Bob Franken, CNN Anchor,
January 5 2004
76. www.balatroltd.com
Japanese banks deploy palm scanners
How it works
• three infrared pictures of the
palm, with veins as dark patterns
• pictures are loaded onto a smart
card
• palm scan at ATM identifies the
user
• scan takes seconds
Why Palm?
• most people do not like retinal
scans
• women responded badly to
hygiene implications of
fingerprint scanners
77. www.balatroltd.com
biometrics for the unbanked
• Unique biometric customer ID
• Foolproof mechanism to establish
identity
• Enabler for offline transactions
• Unified store of data coupled with
processing engine
• Multi-product delivery platform
C
O
N
C
E
P
T
V
A
L
U
E
Physical presence compulsory for
access; free of PIN / password
that could be stolen
Enfolds the grass-root customer
into the banking loop
Identity proof backed by
documents
E-passbook for multiple
relationships
11001000…
Image
Template
Code
78. www.balatroltd.com
biometrics for the unbanked
SmartCards for illiterate clients
Swipe the card
Customer’s profile appears
A thumbprint skips signing
11001000…
Image
Template
Code
79. www.balatroltd.com
biocellphone
Samsung presents the SCH
S370 with fingerprint
recognition. The handset will be
able to store and recognise up
to 5 individual fingerprints.
Depending upon how strictly
you have set the privacy
controls, the handset could get
locked up if it does not
recognise the print repeatedly or
it could simply prevent usage.
Source: http://www.phoneyworld.com/newspage.aspx?n=1444