BayPay Members Blogs

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Payments and Technology Groups and Forums in the San Francisco Bay Area

Having just recently moved from London to the San Francisco Bay Area, I am going through the process of learning about the best payments and technology groups, forums and clubs in...
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Square and Starbucks partnership: ripple effect in the ecosystem!

Big news of the day: Starbucks goes square! In my opinion, this will be a landmark change in the payments world. While this is great for Square, it seems to be...
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Mobile wallet put to test at Olympics

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From the Financial Times by Elaine Moore:  Mobile phones will take over from plastic cards and cash as the principal method of payment before the end of the decade, according to...
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New Google Wallet vs. Paypal Wallet

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So, what’s new about the new Google Wallet? As they say during Olympic heat events, “Is it in the medal position?”.  C’mon, let us check it out along with Paypal wallet...
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What has Square got that iZettle ain’t?

Before I start off on this, please note that Visa Europe isn’t part of Visa, Inc.. but a separate entity owned and operated by several European member banks. What Visa Europe...
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Cost of cash and a case for digital money

You might have seen this topic many times over. Nevertheless, I am preparing for a presentation and am just jotting down the points. What better place other than my blog to...
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Review of O2 Wallet in the UK

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The O2 Wallet launched in the UK on April 26th.  O2 described it as ' A seamless and secure digital wallet service that will deliver the benefits of mobile money to...
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Will you change your credit card usage behavior?


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Do you use your credit card when you need a “credit” (or a loan) or “card protection” or just for convenience? Do you know what are the implications of you choosing...
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DrChrono:  A proponent of Freemium, iPad and Square

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From TechCrunch by Sarah Perez:  DrChrono, a startup focused on bringing medical records and more to the iPhone and iPad, is announcing a big update today which introduces mobile payment feature...
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'The Creative Destruction of Medicine:  How the Digital Revolution will Create Better Health Care' by Eric Topol

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  Knowledge@Wharton Podcast - C. William Hanson, III, author of 'Smart Medicine:  How the Changing Role of Doctors Will Revolutionize Health Care', director, surgical intensive care, at the Hospital of the...
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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 than...
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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 card...
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Cloud based wallet Vs. NFC based wallet

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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 and...
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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 sustained...
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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 the...
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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 remainder...
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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 distant...
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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. Let...
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The Payment Gateway (PSP) Rush!


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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 the...
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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 – at...
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