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Category >> Making Sense Of It All

Mar 27
2012

Despite security concerns, payment innovations abound

Posted by John Ginovsky in Making Sense Of It All

As observed before, the one thing holding back an explosion of new payments options has been the consumer’s legitimate concern about security. That said, however, nothing has stopped a lot of smart people and companies from thinking about what may be possible once the security issue is resolved.
Mar 19
2012

Mobile banking ready, but security jitters remain

Posted by John Ginovsky in Making Sense Of It All

You’d think enough has been said already about security and mobile banking, but here’s the Federal Reserve commenting just last week in its survey on mobile financial services:
Mar 13
2012

Change is in the air—and in the boardroom

Posted by John Ginovsky in Making Sense Of It All

Technology and process management is increasingly on the board’s radar
Mar 06
2012

Lowly POS terminal now a key link

Posted by John Ginovsky in Making Sense Of It All

Lowly POS terminal now a key link
Feb 28
2012

Time to deal the cards for mobile banking Are you prepared to support “universal commerce”?

Posted by John Ginovsky in Making Sense Of It All

The stars are aligning and pointing to a fairly clear conclusion: Mobile payments will only surge and it’s up to banks to either dominate this field or lose to hungrier nonbank competitors.
Feb 22
2012

“Big data” takes on the cybercrook of tomorrow

Posted by John Ginovsky in Making Sense Of It All

Today’s antifraud, anti-money laundering, and general anti-online bad guy measures are pretty good compared with a few years ago—but so what? Today’s digital thieves and malcontents already can run rings around such measures and are gearing up for mischief that is orders of magnitude more sophisticated.
Feb 14
2012

The perils and potential of dot-bank

Posted by John Ginovsky in Making Sense Of It All

Here’s a question that is kicking around just now: Would it help marketing and customer retention if a bank’s internet address domain was much more specific? Namely, instead of ending in dot com (.com), it ended in dot-bank (.bank)? How about taking it further by having the address end in dot-yourbank (.yourbank)?
Feb 07
2012

MasterCard enters the U.S. EMV arena

Posted by John Ginovsky in Making Sense Of It All

MasterCard last week joined Visa in issuing a plan—it’s termed a “roadmap”—for the widespread introduction here of the Europay-MasterCard-Visa standard for electronic payments. That is, using cards embedded with computer chips instead of relying on the magnetic stripe.
Jan 31
2012

It all comes down to "UX"

Posted by John Ginovsky in Making Sense Of It All

UX is the internet wonk word for “user experience,” or the measurement of how easy or how hard it is to use a given website for its stated purpose. The object, of course, is to provide a good UX.
Jan 24
2012

New POS/payment technology you need to know about

Posted by John Ginovsky in Making Sense Of It All

It used to be simple. You wanted something, you plunked down enough cash and coins to cover it, or paid by “plastic.”
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