Payments
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Apple attracts loyal customers through a superior user experience and leverages those customers against its partners.
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By winning on the web, PayPal was actually disadvantaged when it came to competing in mobile, because its incentives were already shaped by a different problem.
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Payments are one of the eternal tech rainbows,1 enticing startups and established companies alike with the promise of priceless data and incredible volumes. Many who dive in, though, like Google with Wallet, find it’s incredibly…
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Jeff Bezos’ Annual Letter, Facebook Messenger and Payments, Facebook Instant Articles Fizzing?
Jeff Bezos’ annual letter is as illuminating as ever, particularly on how to achieve alignment in a business. Facebook demonstrates that, both positively and negatively.
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A Review of Apple Pay and Apple Leverage, Apple Versus Australia’s Banks, Consumers and Competition
There is a fascinating story unfolding in Australia over the attempt by banks to stand up to Apple Pay. What is happening, why, and what it says about competition in a world of aggregation.
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Blendle Launches in the U.S., An Interview with Alexander Klöpping, Apple Pay Coming to Websites
A bit of follow-up on why the SE might not succeed in India, and then an exploration of Blendle, the new micropayments platform for news that launched yesterday, along with an interview with co-founder Alexander Klöpping. Plus, Apple Pay for websites.
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Condé Nast, Hearst Form Joint Venture; Stripe Atlas; An Interview with Stripe CEO Patrick Collison
This Daily Update is about Stripe Atlas, but first a detour to discuss an interesting partnership between Condé Nast and Hearst. Then, and interview with Stripe founder and CEO Patrick Collison.
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Atlassian Files for IPO, Square Prices IPO Below Last Round
Atlassian is a very remarkable company, particularly from a financial perspective. In fact, they may be so unique that they are one of a kind — and that has risks. Plus, most folks are drawing the wrong lessons from Square’s IPO pricing.
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Chase Pay and the Payments Stack, Apple Pay and Opportunity Cost, Applying Aggregation Theory
There’s another new payments solution coming — Chase Pay. The punchline is easy: it will fail. Why it will fail, though, is interesting, and it shows the opportunities and challenges for Apple Pay specifically and the usefulness of Aggregation Theory.
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Venture Capital Follow-up, Square Files for IPO, Concerns About Theranos
A follow-up and some much needed specificity to yesterday’s Venture Capital article, then why Square’s IPO may be a better opportunity than it first appears. Plus, there’s concerning news about Theranos, a company with significant potential.
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The AWS Platform, The Liability Shift Has Arrived, Samsung Pay Launches in the U.S.
With all the talk of platforms I’d be remiss in discussing what may be the most vibrant platform of all: AWS. Then, the liability shift arrives today, and a surprising number of merchants aren’t ready. Maybe Samsung Pay had the right strategy after all…or maybe not.
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Stripe Relay, Stripe’s Differentiation and Challenges, Mobile E-Commerce and Relay
The launch of Stripe Relay gives me an occasion to cover Stripe for the first time, how it succeeded, its challenges living up to its valuation, and why Stripe Relay could be an important step in that regard
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The Liability Shift and the Apple Pay Opportunity, The Apple Pay Advantage, MCX Unravels
The upcoming liability switchover offers the best ever chance for Apple to drive Apple Pay adoption, at least in the United States. Apple should put all its efforts behind making it happen, even if it helps Android Pay too. Plus, MCX unravels.