These are some personal observations on Apple Pay, after an exciting week of reading announcements from Apple and reactions from bloggers. (If you want a Glenbrook business view on the announcement, read Wednesday’s post by my partner George Peabody.) For several years we’ve been talking, at Glenbrook, about how mobile payments take a back seat, in […]


As anticipated, and widely leaked, PayPal today announced PayPal Here, its mobile payments acceptance solution, at a private event in San Francisco. At a high-level it matches – and in some cases, exceeds – the features offered by Square and the other mobile POS vendors. In context, this has been a big week for PayPal, […]


Russ: “Siri, are you ready to help me buy something online?” Siri: “Not yet, Russ, but I may be able to at some point.” Not the answer I was hoping for, but at least Siri was honest about it! Siri, of course, is the new voice-enabled personal assistant that comes with all of the new […]


What Drives Innovation? More often than not, the successful innovations that surprise us come from disrupters who focus in a laser-like way on unserved market opportunities. In doing so, they are able to successfully fly below the radar of the incumbents (to use Christensen’s familiar terminology). The incumbents, after all, have a laser-like focus on […]


That’s actually two big hands clapping for Starbucks – but I’m using the one hand clapping metaphor to help make a point! Congratulations to Starbucks for taking the lead in mobile payments in the U.S. with its announcement this morning that now all Starbucks locations in the U.S. will accept mobile payments from its Starbucks […]


I’m here in Seattle today at NACHA’s Payments 2010 conference along with Russ and Erin.  I’m mulling over a couple things I heard in sessions today, trying to draw the line between them. Early this morning, I sat in on a briefing by eCom Advisors about a study they did in partnership with FIS and […]


Another year has flown by and here I am at the 2010 ETA Annual Meeting. I love to walk through the exhibit hall and see “what’s hot,” what’s changed, and what never changes at this ISO conference.  So here goes… Before I arrived I tried to predict what the hot areas would be;  I predicted […]


Apple created a lot of buzz in the industry last week when it previewed the new capabilities of iPhone OS 3.0. Leading the list of new features, surprisingly, was a payments-related enhancement called “In App Purchase”. I missed the briefing, but saw this new capability reported in the blogosphere as “subscriptions”, “micro-billing”, and a new […]


Apple announced their much anticipated software roadmap for the iPhone today, with a surprising (to me anyway) two-pronged push. I was waiting for the iPhone SDK announcement, but this turned out to be a bit more than I was expecting! The first of the two initiatives will evolve the iPhone to better fit into the […]


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