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AXA conditionne un avantage santé à un objet connecté

AXA conditionne un avantage santé à un objet connecté | cross pond high tech | Scoop.it

Aurez-vous encore votre liberté lorsqu'il faudra choisir entre payer cher sa mutuelle santé, ou accepter de voir son comportement scruté par des machines au service de l'assurance ? Pour le moment sous forme d'un jeu donnant droit jusqu'à 100 euros de médecine douce, AXA montre l'avenir de l'assurance santé liée aux objets connectés et à la médecine personnalisée...

Philippe J DEWOST's insight:

Article à mon avis un peu biaisé ex ante, et qui a mon sens omet deux enjeux que sont : la fidélité de la mesure (j'aimerais savoir de combien un Pulse, un FitBit, et une appli comme Moves divergent en moyenne) d'une part, et l'intégration de ces mesures ou non dans le champ de l'hébergement des données de santé.

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Loop | Pay with your Phone - Mobile Wallet

Loop | Pay with your Phone - Mobile Wallet | cross pond high tech | Scoop.it

LoopPay, the mobile wallet that transmits payment data to magnetic stripe payment card readers, will today announce an Android version of its payment app, which launched on iOS in February. “This is just another step, and we’re taking many steps toward getting more Loop-ready solutions out there,” LoopPay CEO Will Graylin tells us. Currently available as a $39 key fob that pairs with the app, Loop uses a magnetic coil to transmit payment card data. Users simply hold up the fob to a merchant's card reader in order to pay. Soon, a LoopPay iPhone 5/5s charge case will be available, and the company is hoping to convince manufacturers to build Loop’s transmitter into handsets. Still in its early stages, the company numbers its users in the thousands — but Graylin stresses LoopPay's advantage in that virtually all merchants are already equipped to accept LoopPay-powered transactions.

Philippe J DEWOST's insight:

Massive #FinTech disruption ahead.

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The payment revolution starts in the UK

The payment revolution starts in the UK | cross pond high tech | Scoop.it
From 29 April you can use your mobile to make person-to-person payments. As phones with debit-card style chips are planned, cash, plastic, even wallets could be redundant

Via Huy Nguyen Trieu
Philippe J DEWOST's insight:

Bye bye plastic ?

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Huy Nguyen Trieu's curator insight, April 26, 10:37 AM

This is a VERY good summary by the Guardian of the next roll outs for mobile payments by banks and telcos in the UK. If implemented correctly, it means that : p2p payments through mobile phones will be free (for individuals) and handled by banks. If you don't live in the UK, there is a payment system called Faster Payment (free, allows almost immediate transfer from person to person, usually online/phone) which is very widely used/

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Emerging Payment Technologies Will Create New Winners And Losers In The Giant Credit Card Industry

Emerging Payment Technologies Will Create New Winners And Losers In The Giant Credit Card Industry | cross pond high tech | Scoop.it
The credit card companies themselves aren't going anywhere for now. Visa and MasterCard in particular will remain an indispensable part of the chain because they don't actually process payments. They simply provide the rails that the credit card system runs on. Credit card processors like First Data that actually do the work of processing merchants' credit card transactions on the back-end are also in a strong position.Two pieces in the chain are particularly vulnerable to disruption: the makers of the actual hardware — basically card readers and registers — that are used to physically accept card payments at stores, and the hundreds of vendors known as merchant service providers, or MSPs, which set businesses up to accept credit cards.Manufacturers of register systems are vulnerable: Point-of-sale hardware faces an immediate threat from mobile devices. These devices are cheap and easy to implement, they do not require consumers to adopt new behaviors, and they free up retailer space previously devoted to bulky hardware.In addition, the new payments companies — including PayPal, Leaf, Revel Systems, Square, and others — could shove traditional MSPs aside as they bridge the offline and online worlds. They pair their mobile registers with consumer-side smartphone apps, and often also provide additional merchant services, like software for loyalty programs or for parsing online consumer data. These new companies want to replace the old players that focused mainly on logistics, i.e., helping merchants take credit card payments.But it's not all doom and gloom yet for legacy MSPs: they have existing relationships with the majority of merchants who accept credit cards and with banks. They also have established marketing channels and large sales forces. Large MSPs will move to acquire new payments technologies to squelch the disruption threat.
Philippe J DEWOST's insight:

In Tel-Aviv, I paid a taxi with my and his smartphone and a square like dongle. Since, I'm getting more and more interested in #Fintech disruption...

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Marc Kneepkens's curator insight, May 21, 3:01 PM

 A lot of innovation is going on in the payment realm. Innovation, disruption, positioning, strategies...

What happens to all the small percentages?

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Richard Branson: Banking As We Know It Is In The Midst Of Enormous Change

Richard Branson: Banking As We Know It Is In The Midst Of Enormous Change | cross pond high tech | Scoop.it

"Banking as we know it is in the midst of enormous change and innovation. We have jumped in by investing in alternative payment models and also by accepting bitcoin for tickets on Virgin Galactic, the world’s first commercial spaceline. 

Bitpay has proven itself to process bitcoin safely and reliably, growing the market and increasing adoption, which continues to build trust, legitimacy and momentum in this exciting currency revolution."

Philippe J DEWOST's insight:

If Sir RB says...

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Disruptive Finance by Huy Nguyen Trieu

Disruptive Finance by Huy Nguyen Trieu | cross pond high tech | Scoop.it
The technology revolution that is transforming finance - by Huy Nguyen Trieu
Philippe J DEWOST's insight:

A must read blog for FinTech / Disruptive Finance, by a former CEO turned into a friend. Brilliant. Enjoy !

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