Combining Payments and Loyalty Programs


The first pictures of the Isis mobile wallet are probably many months away from being released to the public. No, the image on the left is neither from Isis nor endorsed by Isis, but it has merit based on recent public statements from the company. Last week, two executives on the Isis management team discussed … Continue reading Combining Payments and Loyalty Programs

The SmartPhone Wallet is Now Available


A torrent of advertising and promotional marketing is heading your way to try to get you to use new services on your SmartPhone at retail stores.  Perhaps you have already seen some, or signed up for some. At stake is the future of the credit card system that moves over $11 Trillion per year from … Continue reading The SmartPhone Wallet is Now Available

How Carrier Consortium Could Challenge Visa and MasterCard


Washington at Yorktown. Grant at Vicksburg.  Abbott at San Francisco? Michael Abbott is the new CEO of the joint venture announced yesterday by AT&T Mobility, T-Mobile USA and Verizon Wireless.  The name of the venture is ISISTM and their primary charter is building a national mobile commerce network that aims to “fundamentally transform how people … Continue reading How Carrier Consortium Could Challenge Visa and MasterCard

Bharti Airtel – Pioneers of a Successful Model


The story of Bharti Airtel Limited is the story of success and efficiency.  What is the root of their success? Is their competitive advantage is sustainable? Is this a case of the best personnel, the best strategy, the best infrastructure, or something else? With competitors like Tata, and others, how does a mobile operator maintain … Continue reading Bharti Airtel – Pioneers of a Successful Model

Forbes and Gartner Weigh In on Mobile Security Issues


Recently, Darcy Travlos of Forbes published an article in the ‘Intelligent Investing’ column in which she delivered valuable and relevant insights to the Mobile Payments discussion. Here’s why: The main obstacle to mobile payments adoption in the United States is the “security” issue. Travlos begins her article with a reference to the Harris Interactive and … Continue reading Forbes and Gartner Weigh In on Mobile Security Issues

Mobile Payments and the Third World


“…what’s past is prologue.” – William Shakespeare, and to a lesser extent, Visa Mobile In the Emerging Markets section of the Visa Mobile page, Visa states,  Nowhere is (the power of mobile payments) more apparent than in developing economies where mobile penetration outpaces bank card availability. Using existing mobile devices to access and transfer funds, … Continue reading Mobile Payments and the Third World