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Will Apple Pay Reign Supreme?

There has never been a more exciting time in payments. Let me re-phrase that. There has never been an exciting time in payments. But if you read tech blogs lately, you’d think we were moments away from revolution. Unless the oppressed proletariat can pay with iPhones, they’ll start pummeling Nobu waiters with pearl-encrusted Prada bags. […]

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10 New Rules for Mobile Payments and Loyalty Startups

My business is helping companies speed up innovation – often by partnering with tech startups. A wilder ride compared to my days leading innovation at Fortune 100 companies.  But lately,  I’ve experienced enough déjà vu to get a platinum medical marijuana card. Maybe you’ve heard of “multiple discovery”. The theory says that similar inventions happen simultaneously because

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Why Walmart and Other Retailers Are Muscling in on Mobile Payments

Having led innovation at Amex, MasterCard and Citi, I know where the bodies are buried. I also know that payment wars aren’t just about fees anymore. That’s so 1990’s.  Years ago, when Walmart threatened to enter payments and banking, incumbents nearly soiled their Hanes. After a little sword-fighting, providers slashed their margins so thin, big

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