SlideShare a Scribd company logo
Digital transformation for secure transactions
in retail and banking
Panel session
Cherian Abraham
Experian Senior Business Consultant, Payments & Commerce
Previously, Principal at DropLabs
Focus: Payments, Fraud, Identity, Commerce, FinTech
On Twitter: @Cherian_abraham
Frido Tober
EVP of Strategic Partnerships at Velo Payments
Previously, President of Strategic Partnerships at WorldPay
Focus: FinTech, Payments, E-commerce, International Remittance
On Twitter: @FridoTober
James Wester
Research Director, Worldwide Payment Strategies at IDC
Previously, Founding Editor at Mobile Payments Today
Focus: Retail Payments, FinTech, Commerce in all shapes,
On Twitter: @JamesWester
Shifting face of Retail Payments
What it was What it is becoming
Payments is commoditized Payments as a differentiation
In-store and Online At the edge of every network
Transactional and disconnected Relationship driven & networked
Monolithic and proprietary Programmable and API driven
Security & Regulatory concerns Even more concerned
Payments trends discussion
What did we expect to change?
What changed?
What changed that we didn’t expect?
Cash-less markets, and their focus on identity
and regulation
Will Tech become
better at banking, or
will banking become
better at Tech?
Mass-market evolution of tech that
implements security & verifies identity
Are we at the cusp of a dystopian reputation economy?
Advent of a self-regulating, programmable, intelligent
money & its impact on identity
Experian Fusion Summit
Experian Fusion Summit

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Experian Fusion Summit

  • 1.
  • 2. Digital transformation for secure transactions in retail and banking Panel session
  • 3. Cherian Abraham Experian Senior Business Consultant, Payments & Commerce Previously, Principal at DropLabs Focus: Payments, Fraud, Identity, Commerce, FinTech On Twitter: @Cherian_abraham
  • 4. Frido Tober EVP of Strategic Partnerships at Velo Payments Previously, President of Strategic Partnerships at WorldPay Focus: FinTech, Payments, E-commerce, International Remittance On Twitter: @FridoTober
  • 5. James Wester Research Director, Worldwide Payment Strategies at IDC Previously, Founding Editor at Mobile Payments Today Focus: Retail Payments, FinTech, Commerce in all shapes, On Twitter: @JamesWester
  • 6. Shifting face of Retail Payments What it was What it is becoming Payments is commoditized Payments as a differentiation In-store and Online At the edge of every network Transactional and disconnected Relationship driven & networked Monolithic and proprietary Programmable and API driven Security & Regulatory concerns Even more concerned
  • 7. Payments trends discussion What did we expect to change? What changed? What changed that we didn’t expect?
  • 8. Cash-less markets, and their focus on identity and regulation
  • 9. Will Tech become better at banking, or will banking become better at Tech?
  • 10. Mass-market evolution of tech that implements security & verifies identity
  • 11. Are we at the cusp of a dystopian reputation economy?
  • 12. Advent of a self-regulating, programmable, intelligent money & its impact on identity