Swaroop Kulkarni

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I feel statistically less emotional now

Confession is good for the soul, goes the Christian proverb. The world of public relations, however, relies on a much better-serving maxim; namely …

Coinkite Launches 'Game-Changing' API

Security is certainly one of the biggest concerns of anyone possessing virtual currency, or any currency for that matter. But flexibility and …

With $1 Million In Funding, Sr.Pago Is Ready To Serve Mexico’s Unbanked

More than half of the Mexican population doesn’t have a bank account. Due to the length of time it takes to set one up, as well as taxes that consumers have to pay monthly, approximately 75 million Mexicans remain unbanked.<p>But a startup called Sr.Pago wants to change that with its mobile …

Under the Microscope: The Real Costs of a Dollar

Money makes the world go round, and for the past several hundred years, paper currency and coins were the physical manifestation of money. Once upon …

European Central Bank

Google Is About To Take Over Your Whole Life, And You Won’t Even Notice

Google’s new design ethos, living on and beyond every screen, could make Google an amorphous problem solver of unimaginable scale.<p>“I have a weird question for you,” I stammered, sitting in a hotel room across from Matias Duarte and Jon Wiley, the Google design leads for Android and Search, …

Material Design

Brian Roemmele's answer to How did Jack Dorsey build Square Reader in one month? He said he wanted to solve the payment problem, so he took one month to build the square reader. Did he have to learn software and hardware, or did he have teams of engineers working for him?

How Did Jack Dorsey Build Square Reader In One Month?<p>Jack had some help. None of us are truly alone on any journey.<p><b>We Get By With Some Help From Our</b> …

Brian Roemmele's answer to How do you prevent people from using chargebacks as a method for refunds?

Correctly managing Chargebacks is an exotic mix of science, philosophy, psychology and law.<p>I have developed Chargeback management systems for both …

Tim Cook To Mobile Wallet Companies: “They have...

<b>”I realize that there are some companies</b> <b>playing</b> <b>in it (mobile wallets), but you</b> <b>still</b> <b>have a wallet in</b> <b>your</b> <b>back pocket</b> <b>and I do too</b> <b>which probably means it</b></b> …

Answer to What are the qualities of a good product manager?

I'd recommend reading an interview with Paul Young where he details his vision of a "rock star" product manager. It's very enjoyable. You can check …

Brion Bonkowski's answer to How does the payments ecosystem work? What does the payments workflow look like, from the merchant’s card payment to the acquirer? What are the roles of each of the main firms in the space, like First Data, PayPal, Neteller, Square, Visa, etc.?

We actually did a boot camp on this exact topic:<p>The long and the short of it is there are the schemes (visa,mc, amex), acquirers …

Video: How Paym mobile payments system works

Customers of nine banks and building societies can now register for a new "pay by mobile phone number" service<p>A new payments system that allows bank customers to send money using just a mobile phone number will launch later this month.<p>The service, called Paym, will be integrated into existing …

What are the best resources to learn about mobile payments?

One resource to learn how to optimize mobile payments for your customers:<p>5 ways to optimize your mobile payments from Adyen (disclosure: my employer).<p>…

Knox Payments launches with $900K to speed up painfully slow online check-outs

Presenting today at the LAUNCH festival, Knox Payments is raising the curtains on a new service for merchants.<p>Similar to Balanced and Dwolla, Knox Payments allows merchants to accept payments directly from their customer’s bank accounts. These transactions are known as ACH payments.<p>But, while ACH …

9 Milestones in Starbucks' Mobile Payments Journey

Five years ago, Starbucks was primarily a coffee company. Today, it's a pioneer in mobile payments technology with a significant portion of its U.S. …

Mobile Payments

Five Payment Predictions for 2014

Prediction 1: The Convergence of Loyalty with Mobile Payments<p>Mobile wallets have failed to take off in the marketplace due to a combination of …

Testing out Loop’s programmable credit card

Boston payments startup Loop on Wednesday has released its interesting take on the digital wallet to consumers, selling a programmable fob and a …

PayPal Debuts A Simpler, Native Checkout Experience For Merchants And Expands Beacon Internationally

We’ve been hearing a lot about PayPal’s ambitions to integrate technology into the offline and mobile experience, with the recent launch of Beacon, a device that enables hands free checkins in stores and payments. But much of the core of PayPal’s business is its online payments and checkout …

HPPSocialUserSignonPage - Hewlett Packard Enterprise Community

Mobile App Testing Guidelines for Developers

It's a fact—no one wants to test their new mobile apps. It's expensive and time consuming, but it's a necessary step to ensure users have a good experience when using the app. It is your job to ensure this experience. If your app fails in any way, you will lose customers. If something does not work …

The iWallet Is Coming

<i>Post updated to reflect a misstatement about when Apple rolled out self checkout to its stores.</i><p>This week, Apple unveiled the first large-scale integration of iBeacon, a technology that, when coupled with their fingerprint identification system, may be another building block in building a …

Big Data Will Drive The Next Phase Of Innovation In Mobile Computing

CIBC, a Canadian bank, predicts that information-generation growth will increase 50 times over the next decade. IDC, a market research firm, similarly forecasts a 44-fold increase in data volumes between 2009 and 2020. Mobile, social, wearables, and The Internet Of Things are playing a large part …

Big Data

Why Dwolla Charges 25 Cents to Send $11 or $11 million

I remember in the Weblogs, Inc days, I used to write checks by hand to pay writers. At first it was 10 checks, later 20 checks, and then 50 checks. I …

Credit Cards

These 2 Startups Are Spinning Creativity In Online Payments

How creative can you get with payment platforms? After all, it just revolves around the same old boring process of sending and receiving money.<p>However, two startups have shown that you can spin a twist of creativity on online payment platforms to get attention from users — be it those who want to …

Iterations: How Five Real Economists Think About Bitcoin’s Future

<b>Editor’s Note:</b> <i>Semil Shah is a contributor to</i> TechCrunch<i>. You can follow him on Twitter at @semil.</i><p>There isn’t just a bubble in the Bitcoin economy, there’s a bubble in the number of posts about Bitcoin. I’ll pile on, even after this week’s mini-crash, but with a twist. A few weeks ago, I <b>wrote some</b> …

Growing Payment-Splitting Platform PayByGroup Expands Internationally

PayByGroup, a 500 Startups-backed payments platform that lets friends split the cost of purchase on bigger items like vacation rentals, parties, trips, sports tickets and more, is now making its service available internationally. The San Francisco-based startup has partnered with 53 payment …

Google Ara Phonebloks Modular Smartphone Might Reduce Electronic Waste

A modular concept smartphone called <b>Google Ara Phonebloks</b> might reduce electronic waste. Do you know that millions of mobile phones are throw away …