Christian von Hammel-Bonten

2,553 Flips | 3 Magazines | 16 Likes | 1 Following | 190 Followers | @vonhammel |

Beam is bringing blockchain technology to retail mobile payments

Mobile payments are still in their infancy. While Apple Pay and Google Pay continue to grow at a fast pace, only a small percentage of consumers use them in comparison to credit cards and other established retail payment options.<p>So with the competition still yet to take hold, the industry is ripe …

FinTech

PayPal is shelling out $400 million in cash for this 18-year-old company that helps gig workers get paid

PayPal announced today that it’s paying $400 million in cash for Hyperwallet, an 18-year-old, Bay Area-based company that helps people and small businesses receive payments for products and services that they sell, including through the vacation rental platform HomeAway and Rodan & Fields, the …

API authentication during PSD2: Towards an inclusive approach

(The Paypers) <i>Ralf Ohlhausen, Business Development Director at PPRO and API EG member, on the PSD2 API Evaluation Group's recently released</i> …

Bankkunden erreichen und begeistern - Lesenswertes über Banking KW 21-2018

Keine Frage, die Digitalisierung verändert den Markt für Finanzdienstleistung. Aber am Ende kommt es darauf an, den Kunden zu erreichen und zu …

To Succeed With AI, Banking Providers Must First Invest In Humans

In the future, humans and machines will work together. But banking providers first need to retrain and restaff their workforce before the benefits of …

PayPal's Ever Increasing Fees Will Push Users to Cryptocurrency

PayPal was an innovator in digital payment services but as they introduce a new, costlier fee structure more people may find using Bitcoin and …

FinTech

Remaking the bank for an ecosystem world

Global banking-industry performance has been lackluster. Now comes the hard part: the rise of nonbanking platform companies targeting the most …

In blockchain we trust - MIT Technology Review

The dot-com bubble of the 1990s is popularly viewed as a period of crazy excess that ended with hundreds of billions of dollars of wealth being …

Blockchain

IOTA: Cannot be used for IoT. Loss of funds may occur.

IOTA is a tangle coin that ICO’d on Bitcointalk in JINN, another coin. It promises to bring cryptocurrency to the Internet-of-Things. But did anyone …

Beyond the Bitcoin Bubble

layer innocent nothing argue pottery winner cotton menu task slim merge maid<p>The sequence of words is meaningless: a random array strung together by an algorithm let loose in an English dictionary. What makes them valuable is that they’ve been generated exclusively for me, by a software tool called …

Blockchain

Dark Web Market Price Index (UK Edition)

Your entire online identity could be worth little more than £800, according to brand new research into the illicit sale of stolen personal info on …

$9 billion Stripe just bought a payments startup backed by Eric Schmidt as it goes after even larger customers

Stripe, the $9 billion payments-processing startup, has purchased Index, an in-store-payments startup backed by the former Google CEO Eric Schmidt's venture-capital firm, Innovation Endeavors.<p>Index provides software for in-store payments systems, like the PIN pads you use to pay with a debit or …

FinTech

Bank-APIs: Welche gibt es und was bieten sie?

Schon jetzt können Dritte über Banking-APIs Überweisungen in Auftrag geben und Daten der Nutzer einsehen. Ab Mitte 2019 müssen alle Banken in der EU …

Wirtschaft

Why Bitcoin is the Purest Form of Money to Date. A History of Money.

History of Money<p>We all use money and spend significant portions of our lives working for it, but what is it? Money in its simplest form is a medium …

Africa Payments Outlook: Are local players taking control?

On February 6-7, Egypt hosted the Seamless North Africa Fintech conference, which gathered key regional players to tackle three topics: Fintech, …

Zeig mir Deinen Kontoauszug und ich sag Dir, wer Du bist – über die Aussagekraft des Kontos

Seit dem 13. Januar 2018 ist die überarbeitete Richtlinie über Zahlungsdienste (PSD2) in Kraft. Die PSD2 regelt Bezahl- und Kontoinformationsdiente …

Die Geschichte der Auskunfteien. Wie sind Auskunfteien entstanden?

Bevor wir Dich in die Geschichte der Auskunfteien entführen, eine kurze Erklärung dazu, was eine Auskunftei eigentlich so macht.<p>Im Laufe der Zeit …

Deutsche FinTechs haben ein valides Geschäftsmodell! - Gegenthesen zur FinTech-Skepsis

Ein kürzlich erschienener Beitrag zu den Zukunftsperspektiven für deutsche FinTech-Startups hat zur Gegenrede ermuntert. Es gäbe gute Gründe dafür, …

Wirtschaft

Infografik - Aktivitäten von GAFA & PayPal in Banking & Payment - about#Fintech

<b>In den letzten Jahren haben sich die Bankenwelt und die Fachmedien Jahren vorrangig auf den Hype rund um die jungen wilden Fintechs konzentriert.</b> …

Nordic banks may team up on payments as competition heats up

OSLO (Reuters) - The Nordic region’s biggest banks may form a joint regional system to facilitate payments, they said on Friday, in the latest sign of cooperation to stave off competition from fintech upstarts and Silicon Valley giants.<p>Danske Bank logo is seen in Copenhagen, Denmark in this undated …

Europe

Die PSD2 - ein Theaterstück

<b>PSD2:</b> Die Würfel sind geworfen. Gefallen sind sie noch lange nicht.<p>Derzeit kann man den Eindruck gewinnen, vorrangiges Ziel der europäischen …

Digital banking: a tough way to make money

<i>This is a guest post by Victor Basta, the managing director of Magister Advisors, a boutique investment bank specialising in the technology …

Governance im Ecosystem

Tanja Hessel arbeitet seit fünf Jahren als wissenschaftliche Hilfskraft beim Business Engineering Institute St. Gallen. Zu ihren aktuellen …

The Future of Banking Depends On Open Banking APIs

An open banking model, APIs and fintech partnerships provide unequaled opportunities for the survival of traditional banks.

U.S. banks’ Venmo alternative, Zelle, moved $75B last year, says 100,000 people enroll daily

Zelle, U.S. banks’ answer to mobile payment services like PayPal and Venmo, claims that nearly 100,000 consumers, on average, are signing up for its service per day. The company also painted a picture of growing traction, noting it processed over 247 million payments in 2017, an increase of over 45 …

Deutsche FinTechs: Luftblase oder valides Geschäftsmodell? - Warum vermeintliche Gewinner keine Sieger sind

Einige FinTech-Startups scheinen es geschafft zu haben. Doch den meisten fehlt ein überzeugendes Geschäftsmodell. Trennt sich in der deutschen …

Wirtschaft

Bitcoin and Ethereum have a hidden power structure, and it’s just been revealed - MIT Technology Review

In cryptocurrency circles, calling something “centralized” is an insult. The epithet stems from Bitcoin creator Satoshi Nakamoto’s revelation: a …

Bitcoin

The technology behind bitcoin is only halfway through its evolution

The hype around bitcoin, and its underpinning blockchain technology, is real. But we are still a ways off from blockchain reaching full maturity.<p>Blockchain, which is best explained as a decentralized ledger, is best known for being the technology behind red-hot bitcoin. But its potential use-cases …

Blockchain

How Telegram's Cryptocurrency Could Become the Next Ripple or Ethereum

The messaging app has a bold agenda.<p>Telegram wants to launch a cryptocurrency, and it has several key ideas that could help it rival Bitcoin, …

Google merges payment platforms under Google Pay brand

Google is revamping its mobile payment offerings and creating a new brand called Google Pay, the company said Monday.<p>The new product merges Google's existing mobile payment platforms. That includes Android Pay, which lets customers pay for things online and in stores with their Android phones, and …