Apple Pay launched in October 2014 addressing consumer pains with traditional payments like theft, fraud, and losing physical wallets. Apple's business model provides seamless, secure mobile payments through iPhone users, over 200 banks, 220,000 merchants, and credit card networks without collecting consumer data or charging fees to participants. This mobilizes the entire payments ecosystem in a way other solutions have not by focusing on user experience over self-interest.
This is our group presentation on how Apple develop a robust and secure Information System Infrastructure for the new mobile feature, Apple Pay. Apple has been working and developing for years. With Apply Pay, we use iPhone as a mobile wallet to pay at check out with Touch ID. In order to obtain a strong security for this new feature, the new iPhone 6 and iPhone 6 Plus are equipped with SE (Security Element), NFC (Near Field Communication), and Touch ID.
Presentation at On The Edge Reading, 24th September 2014.
The reinvention of Marketing with Jamie Brighton, Head of Strategic Marketing EMEA, Adobe
- How to understand, measure and optimise Big Data
- Analysing the audience: How they are using current trends in digital marketing and solutions and what you should be doing
- Comparing and Competing: How to use “Digital Index Reports” to benchmark sectors and companies for awesome results!
IndiaStack is a set of APIs that allows governments, businesses, startups and developers to utilise an unique digital Infrastructure to solve India’s hard problems towards presence-less, paperless, and cashless service delivery.
This is our group presentation on how Apple develop a robust and secure Information System Infrastructure for the new mobile feature, Apple Pay. Apple has been working and developing for years. With Apply Pay, we use iPhone as a mobile wallet to pay at check out with Touch ID. In order to obtain a strong security for this new feature, the new iPhone 6 and iPhone 6 Plus are equipped with SE (Security Element), NFC (Near Field Communication), and Touch ID.
Presentation at On The Edge Reading, 24th September 2014.
The reinvention of Marketing with Jamie Brighton, Head of Strategic Marketing EMEA, Adobe
- How to understand, measure and optimise Big Data
- Analysing the audience: How they are using current trends in digital marketing and solutions and what you should be doing
- Comparing and Competing: How to use “Digital Index Reports” to benchmark sectors and companies for awesome results!
IndiaStack is a set of APIs that allows governments, businesses, startups and developers to utilise an unique digital Infrastructure to solve India’s hard problems towards presence-less, paperless, and cashless service delivery.
Marketing Strategy - Brand Revamping Strategy for a Credit Card CompanyEUN5E
This presentation was given at Yonsei School of Business, Seoul, Korea, in the year of 2008 as the final project for the Marketing Strategy course, led by Prof. Seikyoung Auh.
Role of Financial Technology in Banking. This ppt describes the impact of Fintech in Banking and the new technologies that are disrupting the banking and financial services. This also includes the need for innovation in the banking sector. Fintech i.e. Financial technology plays an important role in the banking sector. Retail banking, financial technology, Fintech, innovations, Technologies, Imoact of Fintech in banking.
Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition.
Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.
This presentation covers my marketing experience in FinTech, including the challenges of FinTech, growth hacking, product marketing and messaging, acquisition and retention.
I have showcased the growth hacks using the following FinTech companies:
Intuit QuickBooks
GoCardless
Revolut
TransferWise
Azimo
Atom
N26
Etoro
MarketInvoice
India Stack - Towards Presence-less, paperless and cashless service delivery....ProductNation/iSPIRT
IndiaStack has the potential to revolutionize the way government services of the future are delivered in a large country like India. The nation is looking for “a transition from technology-poor to innovation-rich society” and entrepreneurs have a good role to play. The problems (read opportunities) in financial services, healthcare and education are all so large that only the right technology and entrepreneurial brainpower can cost-effectively solve them. Solving these scale problems should mean great business sense too.
As one of the fastest growing e-commerce models, RedSeer latest report highlights quick commerce platforms such as Swiggy's Instamart, Dunzo, and more.
Apple has been known to deliver top-notch products & services to its customers since long back. This is what motivated Apple to come up with yet another invention in the digital world hence they came up with a digital currency option – Apple Pay.
Marketing Strategy - Brand Revamping Strategy for a Credit Card CompanyEUN5E
This presentation was given at Yonsei School of Business, Seoul, Korea, in the year of 2008 as the final project for the Marketing Strategy course, led by Prof. Seikyoung Auh.
Role of Financial Technology in Banking. This ppt describes the impact of Fintech in Banking and the new technologies that are disrupting the banking and financial services. This also includes the need for innovation in the banking sector. Fintech i.e. Financial technology plays an important role in the banking sector. Retail banking, financial technology, Fintech, innovations, Technologies, Imoact of Fintech in banking.
Top trends in Payments: 2020 highlighted the payments industry’s flux driven by new trends in technology adoption, innovative solutions, and changing consumer behavior. The pandemic has tested the digital mastery of players, who are already grappling with transition. Non-cash transactions are on a robust growth path, accelerated by increased adoption during COVID-19. Regulators are working to instill trust and address non-cash payments risk amid unparalleled growth as players collaborate to quell uncertainty. Regional initiatives, such as the P27 (Nordics real-time payments system) and the EPI (European Payments Initiative), are gaining traction in response to country-level fragmentation and competition.
Investment in emerging technologies is looked upon as an elixir to mitigate fraud, data-driven offerings are being considered for providing value-added propositions, and distributed ledger technology is in focus for digital currency solutions, efficiency enhancement, and cost gains. New players, such as retailers/merchants, are integrating payments into their value chains while technology giants are upscaling their financial services game by weaving offerings around payments as a center stage. Constrained by budgets, firms consider business models such as Platform-as-a-Service (PaaS) to provide cost-effective and superior customer experience.
This presentation covers my marketing experience in FinTech, including the challenges of FinTech, growth hacking, product marketing and messaging, acquisition and retention.
I have showcased the growth hacks using the following FinTech companies:
Intuit QuickBooks
GoCardless
Revolut
TransferWise
Azimo
Atom
N26
Etoro
MarketInvoice
India Stack - Towards Presence-less, paperless and cashless service delivery....ProductNation/iSPIRT
IndiaStack has the potential to revolutionize the way government services of the future are delivered in a large country like India. The nation is looking for “a transition from technology-poor to innovation-rich society” and entrepreneurs have a good role to play. The problems (read opportunities) in financial services, healthcare and education are all so large that only the right technology and entrepreneurial brainpower can cost-effectively solve them. Solving these scale problems should mean great business sense too.
As one of the fastest growing e-commerce models, RedSeer latest report highlights quick commerce platforms such as Swiggy's Instamart, Dunzo, and more.
Apple has been known to deliver top-notch products & services to its customers since long back. This is what motivated Apple to come up with yet another invention in the digital world hence they came up with a digital currency option – Apple Pay.
Apple Pay is an NFC, that is, Near Field
Communication based mobile payment system.
It allows the iPhone, iPad, & other Applecompatible
devices to make payments, quick
purchases from all the major retailers. All that an
Apple device owner needs to do is, take their
Apple device near the credit card terminal, & use
a Touch ID for making varied purchases. Even in-app purchases can be made using Apple Pay.
Masabi, the leader in mobile ticketing and innovative fare collection for transit, invites you discover what the latest updates from Apple - Apple Pay - mean in the context of mobile ticketing, NFC and Open Payments.
7 most popular online payment solutionsSameerShaik43
Human behavior changes rapidly, and adapting to payment platforms has become mandatory. Making cash payments is long gone. Now, there are different payment methods, and it varies with each business. The nature of businesses is appealing, and with the advancement of technology, the instant payment methods facilitate achieving success and profitability.
https://www.tycoonstory.com/resource/7-most-popular-online-payment-solutions/
In what ways have smart phones that incorporate wireless technologie.docxvickeryr87
In what ways have smart phones that incorporate wireless technologies changed the business landscape?
In what ways have smart phones that incorporate wireless technologies changed the business landscape? Please give examples... Also please use the reading material below
Customers today are in more of a hurry than ever before. To satisfy them and keep their business, retailers are looking for strategies to speed up the checkout process and improve the overall customer experience. One strategy is to use customers’ smartphones as a replacement for credit and debit cards. Instead of swiping a plastic card at the checkout counter, consumers merely wave their phones a few inches above a payment terminal. This process uses a contact-free technology called near-field communications (NFC). The technology described in the preceding paragraph, known as the mobile wallet, is already being installed on millions of phones in both the United States and overseas. However, wide adoption of this technology in the United States is being hindered by a major battle among large corporations that represent different components of the online commerce industry. In one camp are the established credit card companies such as MasterCard, Visa, and American Express, in alliance with the banks that actually issue the cards to customers. The goal of these businesses is to maintain their traditional position at the center of any payment system and to continue to collect fees from merchants. However, they are facing intense competition from the other camp, which consists of technology companies such as Google and PayPal whose goal is to become major players in the new payment system. In addition, Apple and the mobile carriers such as Verizon, AT&T, and T-Mobile form a third camp that want to collect fees through their own control of the phones. Adding to the competitive mix are individual companies such as Starbucks that are developing proprietary mobile wallet technologies. In the middle of this corporate battleground are the retailers, who may yet be the deciding factor in determining who wins the payment battle. To take advantage of mobile wallet technology, retailers have to install terminals that accept mobile payments. One final concerned party consists of consumer advocates, who are concerned that a mobile system would bring higher fees, which would ultimately be passed on to the customers. The stakes in this competition are enormous because the small fees generated every time consumers swipe their cards add up to tens of billions of dollars of annual revenue in the United States alone. This revenue, of course, goes straight into the pocket of whoever controls the payment system. Before any individual company makes money, all of companies involved in electronic commerce need to sort out what role each one will play and who will collect the lucrative transaction fees from retailers. A Variety of
Solution
s Mobile Phone Carriers. In 2010, three of the four big mobi.
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
Analysis of Mobile Payments in Singapore - v0.3 Jan 2018Jerry CHI 迟欣
1.Mobile Payment Players:
Banks & FIs: PayLah, Dash, UOB Mighty, OCBC Pay Anyone
Digital Giants: Apple Pay, Android Pay, Samsung Pay, AliPay, Wechat Pay, etc.
Others: GrabPay, Uber, Starbucks, AirPay, etc.
2. Formula of Successful Mobile Payments:
Learned from PayPal, AliPay, Wechat Pay etc., successful payment products need to bring relevance (strong user scenarios) and convenience (smooth user journey).
Strong user scenarios:
Offline, online, in-app;
Restaurants, taxi, fast-food, stores, café, markets, e-commerce market places, app stores / google play, games, etc.
Smooth user journey:
DO NOT complicate payment flows w/ Counter Code, physical token
3. Some open discussions:
Card schemes vs. direct bank connections;
NFC vs. QR Code;
Merchant QR Code vs. Customer QR Code;
[Case study] Apple Pay, the first French users go to the till Dynvibe
Eagerly awaited by fans of the Apple brand, the Apple Pay mobile payment system was launched in France on July 19th. By registering bank cards from banks who are partners of the application, the service allows users to make purchases online and in shops that are equipped with a no-contact terminal. Dynvibe, specialist in social media strategic monitoring, has analyzed nearly 2000 conversations to understand the strengths and weaknesses of this new mobile payment service and draw strategic insights for the brands.
10 steps for implementing effective & secure payment system online.
You have a great startup, good idea, team and investors, so why it is so hard to get an acquirer and what should you do to solve it.
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Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
6. Apple Pay:
An Obvious Value Proposition
Completely
private
transactions
NFC Antenna
Touch ID
Purchase Goods
Carrying cash,
cards, and
wallets
Theft & Fraud
Credit/debit
card
tokenization
Fingerprint ID
Dynamic
transaction
security codes
Photo ID
required
Cards don’t
read properly
Credit/debit
cards are
insecure Losing your
wallet, cards,
and cash
Protect
Finances
Never carry a
wallet, cards, or
cash again
Fast checkout
at retail stores
Never have to
cancel a card
ever again
Suspend
payments on
device
Transaction
data is kept
private
Shop anywhere
One tap
checkout
220K merchants
and growing
Store and
manage cards
digitally
Passbook App
Find My iPhone
By better understanding
consumers, Apple designed a
better value proposition!
7. But they didn’t just design
a better value proposition, they
designed a better business model!
8. Though the value
proposition is obvious…
…the business model is a
bit less understood.
9. “Most people that have
worked on this have started
by focusing on creating a
business model that was
centered on their self-interest
instead of focusing on the
user experience.”
– Tim Cook
10. Other solutions seek to
collect consumer data and
save on swipe fees by
cutting out the banks altogether!
11. So how is Apple building
an uncopyable business
model that delivers what
nobody else could?
12. Comple
NFC
Touch
Purcha
Carryin Theft &
Fingerp
Credit/ Dynami
Photo Cards
Credit/
Losing
Protect
Never Fast
Never
Suspen
Transac
Shop
One tap 220K
Store
Passbo
Find My
Apple Pay
Seamle
iPhone
- Zoom
With a better value
proposition in place…
…we can zoom out to the
business model level…
13. Apple Pay
Seamless,
Secure Mobile
Payments
iPhone 6 &
Apple Watch
Owners
?
?
Passbook Apple Pay
System
?
?
?
…to understand the
value Apple is creating
for its business.
Touch ID
iTunes Users w/
Stored Credit
Cards
14. 220K Merchants
(McDonalds,
Walgreens)
Apple Pay
Seamless,
Secure Mobile
Payments
iPhone 6 &
Apple Watch
Owners
Issuing Banks
(Chase, BofA,
Citi Bank)
Passbook Apple Pay
System
Touch ID
iTunes Users w/
Stored Credit
Cards
Apple delivers to
consumers through 200+
Banks and 220K Merchants
220K Merchants
(McDonalds,
Walgreens)
15. 220K Merchants
(McDonalds,
Walgreens)
Apple Pay
Seamless,
Secure Mobile
Payments
iPhone 6 &
Apple Watch
Owners
Issuing Banks
(Chase, BofA,
Citi Bank)
Free - $0
Passbook Apple Pay
System
Touch ID
iTunes Users w/
Stored Credit
Cards
Apple collects nothing
from the consumer
220K Merchants
(McDonalds,
Walgreens)
16. Apple Pay
Seamless,
Secure Mobile
Payments
220K Merchants
(McDonalds,
Walgreens)
iPhone 6 &
Apple Watch
Owners
Merchants Access to
Issuing Banks
(Chase, BofA,
Citi Bank)
Free - $0
Mobile
Customers
Passbook Apple Pay
System
Touch ID
Merchants
(McDonalds,
Walgreens)
iTunes Users w/
Stored Credit
Cards
Merchants want access to
the growing mobile
payments market
17. Apple Pay
Seamless,
Secure Mobile
Payments
220K Merchants
(McDonalds,
Walgreens)
iPhone 6 &
Apple Watch
Owners
Merchants Access to
Issuing Banks
(Chase, BofA,
Citi Bank)
Free - $0
Mobile
Customers
Passbook Apple Pay
System
Touch ID
Merchants
(McDonalds,
Walgreens)
iTunes Users w/
Stored Credit
Cards
Merchants pay nothing
to Apple for this access
Free - $0
18. Apple Pay
Seamless,
Secure Mobile
Payments
220K Merchants
(McDonalds,
Walgreens)
iPhone 6 &
Apple Watch
Owners
Merchants Access to
Issuing Banks
(Chase, BofA,
Citi Bank)
Free - $0
Mobile
Customers
Process
Payments
Passbook Apple Pay
System
Touch ID
Card Networks
(AMEX, Visa,
MasterCard)
Merchants
(McDonalds,
Walgreens)
iTunes Users w/
Stored Credit
Cards
Issuing Banks
(Chase, BofA,
Citi Bank)
Apple allows transactions
to be processed…
Card Networks
(AMEX, Visa,
MasterCard) Issuing Banks
(Chase, BofA,
Citi Bank)
…and delivered in the
traditional manner.
Free - $0
19. Issuing Banks
(Chase, BofA,
Citi Bank)
Apple Pay
Seamless,
Secure Mobile
Payments
Merchants
(McDonalds,
Walgreens)
iPhone 6 &
Apple Watch
Owners
Issuing banks want tighter
Issuing Banks
(Chase, BofA,
Citi Bank)
fraud protection
Cards Card Networks
Free - $0
Merchants
(220,000+)
Free - $0
Access to
Mobile
Customers
Secure Mobile
Transactions
Process
Payments
Passbook Apple Pay
System
Touch ID
Card Networks
(AMEX, Visa,
MasterCard)
Issuing Banks
(Chase, BofA,
Citi Bank)
Merchants
(McDonalds,
Walgreens)
iTunes Users w/
Stored Credit
(AMEX, Visa,
MasterCard) Issuing Banks
(Chase, BofA,
Citi Bank)
20. Issuing Banks
(Chase, BofA,
Citi Bank)
Apple Pay
Seamless,
Secure Mobile
Payments
Merchants
(McDonalds,
Walgreens)
iPhone 6 &
Apple Watch
Owners
Issuing Banks
(Chase, BofA,
Citi Bank)
Cards Card Networks
Free - $0
Merchants
(220,000+)
Card Networks
(AMEX, Visa,
MasterCard)
Free - $0
Access to
Mobile
Customers
Secure Mobile
Transactions
Process
Payments
Passbook Apple Pay
System
Touch ID
Card Networks
(AMEX, Visa,
MasterCard)
Issuing Banks
(Chase, BofA,
Citi Bank)
Merchants
(McDonalds,
Walgreens)
iTunes Users w/
Stored Credit
(AMEX, Visa,
MasterCard) Issuing Banks
(Chase, BofA,
Citi Bank)
Card Networks
(AMEX, Visa,
MasterCard)
Card Networks introduced industry
standards for implementing Apple’s
dynamic security codes
21. Issuing Banks
(Chase, BofA,
Citi Bank)
Apple Pay
Seamless,
Secure Mobile
Payments
Merchants
(McDonalds,
Walgreens)
iPhone 6 &
Apple Watch
Owners
Issuing Banks
(Chase, BofA,
Citi Bank)
Cards Card Networks
Free - $0
Merchants
(220,000+)
Card Networks
(AMEX, Visa,
MasterCard)
The Issuing Banks are
willing to pay the fee to
reduce fraud costs
Free - $0
Access to
Mobile
Customers
Secure Mobile
Transactions
Process
Payments
Passbook Apple Pay
System
Touch ID
Card Networks
(AMEX, Visa,
MasterCard)
Issuing Banks
(Chase, BofA,
Citi Bank)
Merchants
(McDonalds,
Walgreens)
iTunes Users w/
Stored Credit
(AMEX, Visa,
MasterCard) Issuing Banks
(Chase, BofA,
Citi Bank)
Card Networks
(AMEX, Visa,
MasterCard)
0.15 - 0.25% Fee
Per Transaction
22. Apple enables the payments
ecosystem with its technology
instead of trying to bypass it!
23. Pay
“Mobilizes” the entire payments ecosystem
getting merchants, banks, and card networks
to cooperate in a way only Apple can.
24. Author: Benson Garner
Content Direction: Alexander Osterwalder
Design: Federico Galindo
Art Direction: Alan Smith
Additional Input: Alan Smith
C O D I F I E D N EWS