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Why Bigger Is No Longer Better

Why Bigger Is No Longer Better | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Scale isn’t what it used to be and the old days of empire building are over
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Excellent article on innovation and how being a big firm is not necessarily a competitive advantage, in fact could be the opposite

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As the retail landscape changes, payments hardware is scrambling - Gigaom

As the retail landscape changes, payments hardware is scrambling - Gigaom | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Three months ago, Apple Pay kicked off a new flurry of excitement about contactless payments.

Via Kenneth Carnesi
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By example VeriFone has decided to make a kind universal point of sale system that will work with any kind of mobile device and mobile payments system.  Called the Mobile PAYware e355, the device has a built-in NFC reader and EMV chip reader, meaning it will accept contactless payments such as Apple Pay, Google Wallet or Softcard as well as new EMV smart chip cards, which will start replacing our old magnetic stripe cards this year. For good measure it also has a mag stripe reader so it can handle today’s credit cards as well as an optional barcode scanner that can read QR code-based payment systems like MCX CurrentC, a mobile wallet being promoted by big box retailers like Best Buy and Walmart. 

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Water Hero: protection from major pipe bursts & costly leaks

Water Hero: protection from major pipe bursts & costly leaks | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Plumbing catastrophe avoidance for everyone. Stops pipe bursts & small costly plumbing leaks. SmartPhone controlled & easy install
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Samsung in Talks to Launch Apple Pay Competitor

Samsung in Talks to Launch Apple Pay Competitor | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The potential deal would involve Samsung licensing technology from a payments startup called LoopPay.
Richard Platt's insight:

No deal has yet been cut between Samsung and LoopPay. For LoopPay, a Samsung licensing agreement would go a long way toward giving its technology the mainstream credibility it so far lacks. LoopPay’s technology can wirelessly transmit the same information stored on a debit or credit card’s magnetic stripe to a store’s checkout equipment without swiping a card. The company has embedded the technology, which it calls magnetic secure transmission, into a few hardware products it sells directly to consumers: A fob, as well as a LoopPay digital payment card that can be used on its own or while secured in a special LoopPay smartphone case. To complete a purchase, LoopPay users tap any of these devices near the spot on a store’s credit card terminal where a card is usually swiped. 

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​Crowdfund this: The best wearable kickstarters

​Crowdfund this: The best wearable kickstarters | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Looking for for the best wearable projects seeking funding on Kickstarter, Indiegogo or other crowdfunding platforms? Then you've come to the right place. You can't move for a wearable tech startup at the moment, and the industry is being driven by the great ideas being realised by the internet of things revolution. Each week we…
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How Gamification and Loyalty Can Drive Mobile Payments

At the BRITE '13 conference, Michael Hagan, COO & Chief Rockstar of LevelUp, takes a deep dive into the future of mobile payments, and how game-like elements...

Via Kenneth Carnesi
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Square will soon accept Apple Pay

Square will soon accept Apple Pay | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The mobile payments company Square is planning to accept Apple Pay.

Via Kenneth Carnesi
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Why Mobile Payments Will Never Replace Cash - Nasdaq

Why Mobile Payments Will Never Replace Cash - Nasdaq | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Photo credit: Joe Ross . Are Americans entering into a love affair with mobile payments ? Even though the technology is still rather new, Forrester.

Via Kenneth Carnesi
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Powa Raises $80 Million to Launch Its Mobile, E-Commerce Payments in U.S.

Powa Raises $80 Million to Launch Its Mobile, E-Commerce Payments in U.S. | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
In another large late-stage play from a public-markets investor, Wellington Management has put $80 million into Powa Technologies.

Via Kenneth Carnesi
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Southeast Asian Mobile Payments Company Soft Space Acquires Fasspay - TechCrunch (blog)

Southeast Asian Mobile Payments Company Soft Space Acquires Fasspay - TechCrunch (blog) | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Soft Space, a Southeast Asian white-label mobile point-of-sale platform maker, announced today that it has acquired Fasspay, a payment service provider based..

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Rescooped by Richard Platt from Technology in Business Today
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Poynt is an Android-based Payment Terminal for the Future

Poynt is an Android-based Payment Terminal for the Future | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Designed to bring consumer-facing businesses up-to-date with today’s technology and help them stay future-proof, Poynt is a smart payment terminal that supports multiple payment methods, encrypted transactions and allows for extended functionality...

Via TechinBiz
Richard Platt's insight:

The Poynt terminal features a 7-inch merchant-facing screen, a second 4.3-inch customer-facing screen, a barcode scanner and a built-in printer in a compact device. It connects to the internet via Wi-Fi or 3G, can accept payments via cards, Apple Pay and other NFC/Bluetooth mobile apps, and can be moved around — away from the cash register to customers’ tables, to delivery destinations and even to the curb for take-away customers.

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Apple Pay 'no-data-collection' isn't a feature. It's a problem

Apple Pay 'no-data-collection' isn't a feature. It's a problem | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Google Wallet’s cofounder and product lead weigh in on how Apple Pay will fare given its promise not to collect any user data.
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Excellent read on digital wallets, who benefits and why and the real value to retailers as well as consumers from a security and privacy standpoint. 

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Verizon invests in Flint Mobile, a Square competitor that uses no hardware

Verizon invests in Flint Mobile, a Square competitor that uses no hardware | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Flint uses the phone camera to scan in card details, which it processes like any other credit transaction. Mobile carriers like Verizon and Digicel have taken a lot of interest in its app.
Richard Platt's insight:

Flint offers a payments service similar to Square Reader, using the smartphone as a portable POS terminal that can take process any credit card transaction. The difference is Flint doesn’t use a hardware reader to read the magnetic stripe on a card. Instead it uses the smartphone’s camera to scan the card, after which Flint verifies the card and processes the transaction in the cloud.

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Mobile payments - The Economist

Mobile payments - The Economist | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The Economist offers authoritative insight and opinion on international news, politics, business, finance, science, technology and the connections between them.

Via Pekka Puhakka
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Google may be acquiring its old NFC payment rival

Google may be acquiring its old NFC payment rival | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it

“Remember when the big battle in mobile payments was Google versus the carriers? Or more precisely, Google Wallet versus Isis?”


Via Jesús Hernández
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10 Chinese Internet of things startups to watch in 2015

10 Chinese Internet of things startups to watch in 2015 | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
The Internet of Things, or IoT, emerged as the third wave of internet development and is gradually merging the physical and online worlds.

Via Paulo Gervasio
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CrowdedRocket promises to actually deliver your pledges

CrowdedRocket promises to actually deliver your pledges | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
CrowdedRocket, the new crowdfunding platform focusing on consumer tech, launched this week and shortly afterwards its host servers crashed from the huge amount of traffic to the site. It's up and running again now, with a handful of projects carefully selected by its dream team of bloggers, investors and wearable tech experts. Essential reading: Kickstarter…
Richard Platt's insight:

CrowdedRocket is trying to right many of the wrongs associated with late, failed or wildly successful Kickstarter projects. "Existing crowdfunding platforms have created a noisy space with an abundance of products that rarely deliver or deliver late, by providing the critical support that startups need with marketing, messaging, PR, and social media, and by introducing companies to thought leaders and investors."

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Sony looks to crowdfund its new smart lock project

Sony looks to crowdfund its new smart lock project | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
While certainly not the first of its kind, it looks as though Sony might be putting a new smart lock on the market. The massive electronics company will be looking to crowd-fund its new Qrio Smart Lock project on Makuake. 
Richard Platt's insight:

While it may seem odd to some for such a large company to use crowd funding, most believe this is just a way for Sony to get feedback on the new Qrio, not necessarily a way to fund it. You might remember when the company did something similar with its e-paper watch project.

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Democratization of Philanthropy Through Crowdfunding

Democratization of Philanthropy Through Crowdfunding | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
Nonprofits that are used to relying on super donors writing hefty checks need to learn to embrace a better way: The idea of crowd-funding, where numerous smaller donations add up, powered by social media marketing....
Richard Platt's insight:

Sure, the traditional techniques above are still used, but the dawn of social fundraising has democratized fundraising so that deep pockets are no longer required. Anyone with five dollars and a smartphone can be a philanthropist. Welcome, to the age of social media -- the great equalizer. - Nonprofits that are used to relying on super donors writing hefty checks need to learn to embrace a better way: The idea of crowd-funding, where numerous smaller donations add up, powered by social media marketing.

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Data Mining: Take a 3-D Tour of Patent Analysis

Data Mining: Take a 3-D Tour of Patent Analysis | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
In my last post Data Mining: 4 Ways to Use Patent Analysis for Any Size Business, I described some benefits of patent analytics using 2-D data, but let’s look into the data rich information that can be derived from adding dimensions. (Don’t forget, patent analytics isn’t intended to be used in isolation from other resources.) …
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Subway Eschews Exclusivity, Supports Multiple Mobile Wallets | NFC Times – Near Field Communication and all contactless technology.

Subway Eschews Exclusivity, Supports Multiple Mobile Wallets | NFC Times – Near Field Communication and all contactless technology. | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
By:  Dan Balaban and Kiona Smith-Strickland NFC Times Exclusive: LAS VEGAS, Nev. – While a number of...

Via Kenneth Carnesi
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Battle of The Mobile Wallets - QR Code or NFC?

Battle of The Mobile Wallets - QR Code or NFC? | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
With mobile payments set to go mainstream, the battle is no longer just between smartphone manufacturers. Big retail has now stepped in and is positioning

Via Kenneth Carnesi
Richard Platt's insight:

Mobile payments solutions have had a hard time gaining acceptance in the Android dominated smart phone market. Apple, with nearly 1 billion credit card users on its iTunes and other payment platforms, may have provided the jolt required to get the market going by launching Apple Pay.  -  But instead, over the last week, Best Buy, Walmart and other retailers have decided to disable near field communication (NFC) on their checkout machines, which has caused Apple Pay along with other payment methods supporting NFC to not work. Including Google Wallet. - Bands of Android and Apple users have come together in a strange comradery, and focused their efforts on the consortium behind the latest revolt — Merchant Customer Exchange (MCX), the makers of the CurrentC app.

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Mobile Payments Still Facing the Same Big Obstacles - Street Fight

Mobile Payments Still Facing the Same Big Obstacles - Street Fight | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
This year has been a turning point in mobile payments, as Square, Paypal, along with Apple and others like SoftCard (formerly ISIS) have all made strides in

Via Kenneth Carnesi
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CurrentC System Attacked Soon After Some Merchants Block Apple Pay

CurrentC System Attacked Soon After Some Merchants Block Apple Pay | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
NEWS ANALYSIS: It didn't take long for someone to launch a cyber-attack on CurrentC, a merchant-backed payment system that's touted for its security defenses for consumers.
Richard Platt's insight:

CurrentC has drawn a great deal of criticism recently because of the fact that it includes contractual requirements that prevent member companies from accepting any other form of mobile payment. These contract terms prompted merchants that initially accepted Apple Pay to suddenly reverse course and block that service as well as Google Wallet. To accomplish this, two major drugstore chains, CVS and Rite Aid, turned off their Near Field Communications terminals and in the process prevent customers from using contactless credit cards to pay for their purchases.  Someone is clearly taking this personal.

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2 Drug Chains Disable Apple Pay, as a Rival Makes Plans

2 Drug Chains Disable Apple Pay, as a Rival Makes Plans | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
A consortium of merchants plans to introduce a payment system next year that will supplant the use of credit and debit cards.
Richard Platt's insight:

Analysts said disabling acceptance of Apple Pay was a way to favor a rival system that is not yet available but is being developed by a consortium of merchants known as Merchant Customer Exchange, or MCX. Rite Aid and CVS are part of that consortium, not part of the group of retailers that had teamed up with Apple on its payment system. Nonetheless, over the week, Apple Pay technology was working in Rite Aid and CVS stores. 

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CEOs Speak Out On The Future Of Mobile Payments

CEOs Speak Out On The Future Of Mobile Payments | Crowd Funding, Micro-funding, New Approach for Investors - Alternatives to Wall Street | Scoop.it
'Tis the season for making our lists and checking them twice, to determine which ledgers have been naughty and nice. Earnings’ seasons is here again and

Via Kenneth Carnesi
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