birch total payments_20x20s
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Why Listen to Consumers?
They don’t understand paymentsor care about them at all,
so let’s think about what works
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It all works fine
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Cards are all we need
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Would we use...
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Not bovvered
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Barry Grange, a Tesco director who heads the British Retail Consortium’s committee that has talked to the banks, has still to be convinced of the usefulness of [debit cards].
Will Britain buy electronic shopping? in New Scientist magazine(April 29th, 1984).
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Remote shopping, while entirely feasible, will flop—because women like to get out of the house, like to handle merchandise, like to be able to change their minds.
Time Magazine(1966)
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There is no reason anyone would want a computer in their home — Ken Olsen, founder and CEO of Digital Equipment Corporation
speaking at theWorld Future Society in Boston
(1977)
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Prepaid (Starbucks)
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Companion (O2)
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Embedded (Hailo)
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Attached (PayTag)
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Convenient (TfL)
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Acquiring (Square)
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So What?
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smart paymentsare integrated
payments
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strategy checkpoint
APIs mean a new kind of
competition
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smart pipesdigital identity
anddigital money
© Steve Jackson Games
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...not dumb services
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@dgwbirch