Small merchants, big data

Tuesday, 3 March 2015 by Dave Birch

You often hear people at conferences say that it is the data around payments that is the basis for adding value as the payments themselves become commoditised. As Gary Munro from Consult Hyperion points out, this is true for the smallest businesses as well as the biggest.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Electronic gift certificates are electronic money

Wednesday, 7 January 2015 by Dave Birch

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Gift certificates and gift cards are going virtual, in which mode they are becoming money. Where might they go in the future?

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Porn is a serious issue, and so is identity

Wednesday, 29 October 2014 by Dave Birch

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We’d all, I’m sure, prefer a world in which children did not have access to corrosive and nauseating material that undermines our civilised society. But how can we stop children from seeing MTV and the Daily Mail? The government has given up on this, I’m afraid, and has instead decided to try to stop them from seeing porn.

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The value in payments (isn’t payments)

Friday, 15 August 2014 by Dave Birch

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If it is true that transaction fees for payments are going to continue to fall, then what transaction fees will merchants pay instead?

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TAP into Nigeria

Tuesday, 22 July 2014 by Dave Birch

Dgwb blog white border One of the largest projects that Consult Hyperion has been working on in the past year is the innovative TAP electronic voucher scheme in Nigeria. This has half a million users already and we thought you’d like some details on this amazing system for human-powered contactless mesh networking.

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HCE BLE EMV is a new way to pay

Monday, 21 July 2014 by Dave Birch

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There has been a lot of discussion about using Host Card Emulation (HCE) to support EMV payments over Near-Field Communication (NFC) interfaces. But HCE can be used to support EMV payments over, essentially, any interface. As part of Consult Hyperion’s prototyping programme, we developed a working (ie, using EMV data) proof-of-concept demonstrator (running on Android and iPhone) for paying with HCE over Bluetooth Low Energy (BLE) and showed it at the UK Cards Association last week. The demonstrator is so cool it superconducts.

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Targetting decoupled debit

Friday, 20 June 2014 by Dave Birch

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All other things being equal, it seems to me that the merchants will want to move to payment solutions that go direct to the customer’s payment account. This mean incumbents have to innovate and deliver genuine value-added services to stay in the loop.

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