This Category is posted by BayPay Members.

Subcategories from this category:

Polls

Merchant is the new King!

Another great victory to the merchants! Winning the anti-trust case against V/MA/financial institutions and getting paid $7.25b is a shot in the arm to the US merchant community. That too, less...
Continue reading
0 Comments

Can banks come up with successful mobile wallets?

Let me ask you a question. As a consumer, how often do you think about your bank? Do you think about it when you draw your wallet to pick a...
Continue reading
0 Comments

Cloud based wallet Vs. NFC based wallet

:)
:)
Most of my last week was spent on this discussion – online, offline, phone, home, work, everywhere! So I thought I will write those points here. These are my opinions...
Continue reading
0 Comments

Google – vying for a dominant place in the payment industry?

Google entered the payments field in 2006 with its Google Checkout launch. Even though it was a successful launch with its promotional free transaction fee to the merchants, it never...
Continue reading
0 Comments

Technology service providers in the payments industry


The Technology service providers in this industry are doing well – they ought to be doing well! Payment volumes are growing, new technology trends like cloud and mobility are driving...
Continue reading
0 Comments

Battle for the wallet – current state







Before I go to that topic –  for those of you visiting this blog for the first time, this is the payment ecosystem diagram that I will be referring to in the...
Continue reading
0 Comments

TPVs of major payment gateways


In the US, we have Cybersource (Visa) as the leader of the payment gateways followed by Paypal in terms of the Total Payment Volume (TPV) handled. Amazon Payments is a...
Continue reading
0 Comments

Future potential for the payment gateway business



Okay, we talked about the growth potential of the payment gateway vertical in the last post. All dominant players from the other sub-verticals are just jumping on to the bandwagon....
Continue reading
0 Comments

The Payment Gateway (PSP) Rush!


:-)

Someone asked this question recently – Why the rush to get into the payment gateway (also known as the Payment Service Provider) business now? The payment gateway (the piece connecting...
Continue reading
0 Comments

The Wallet Rush!


We are seeing another rush now. Well, its not exactly a gold rush, but the rush to reach the consumer pocket – the wallet rush! Lets define an e-wallet –...
Continue reading
0 Comments

Payment Networks spreading their wings




The biggest threat for payment networks is dis-intermediation! Practically, they are not in a very indispensable position. I mean, they are still very critical part of the system. The core strengths of...
Continue reading
0 Comments

Growth of the Debit Card Industry



It was meant to be. With the credits drying up and with people becoming more frugal in their spending, debit transactions are definitely on the rise. According to the data...
Continue reading
0 Comments

2011 news in the payment industry






I did some analysis of the news in the payment industry – to get a generic feel of what happened in the industry. Here are some interesting finds. While this...
Continue reading
0 Comments

Explaining the Financial Institutions



Well, these are the banks that support the entire financial system. Refer to the payment landscape explanation . As seen in the 4-party model description, there are 2 kinds of...
Continue reading
0 Comments

Explaining the Payment Networks


3-Party Model
Payment Networks Comparison
2011 Revenues
As you can see in the payment landscape , the payment networks play an important role in the industry, connecting all the financial institutions (either be the card issuer or...
Continue reading
0 Comments

Big ecosystem entrants to the Payment Industry


Money in the payment industry is not just in the core transaction fee. In fact, that fee is distributed mainly by the FIs and the payment networks and there is...
Continue reading
0 Comments