Month: March 2015
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Apple Pay + Fraud
Apple Pay onboarding fraud is both a bank *and* an Apple problem. It is a flaw in how the banks onboard customers: they don’t ask for enough information to determine if the person adding the account to Apple Pay is who they say they are. That process is a bank process. But since Apple controls…
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The reinvention of commerce for mobile
Commerce reinvented on mobile 2014 was a huge turning point for the mobile commerce ecosystem. From 2010 to 2014, most of the retail, payments and technology industry’s mobile commerce focus was on turning the last moment pre-purchase in traditional retail and services industries — payments — into a mobile-enabled experience. The focus on mobile payments…