35 Insights from Let’s Talk Payments

Sometimes 140 characters is all it takes to make a point. Here's a few of my recent ones.

(To get these in real time, follow me on twitter @khurjekar)

1) Dear Google, Please get it right this time! Apple can't do it alone. BTW, it's what GW should've always been!. Link:

2) This is the "drive thru" of the 21st century. The car might actually be the most under-leveraged commerce platform! Link:

3) This can revolutionize payments auth 1 day; but fingerprint scans needed long time 2b good enough for TouchID. Link:

4) Diminishing leverage for financial intermediaries. Pendulum swinging back to reducing distance b/w buyers & sellers. Link:

5) Remember 'Value Added Services'? Amit Goel makes "value of value" connection between Apple Pay 2.0 & decades-old VAS. Link:

6) Great time to be a startup & get funded, especially in payments & digital commerce: Angellist Circleup. Link:

7) PayClip Inc. and Centili Mobile making waves in Latin America - huge opportunity for growth Link:

8) What will be the "killer app" for these new smartwatches? health/fitness, payments, messaging, weather, time...? Link:

9) Only 13% of Mexicans & 15% of Colombians have a credit card - oppty for: Alpha Payments Izettle SafetyPay Mexivo... Link:

10) Govt security (=spy) agencies keep security companies like Gemalto on their toes. New meaning to "stress testing"? Link:

11) Another place, just like public transit, to invest in to form consumers' habits in contactless experiences. Link:

12) It's not personal! Just hold on to your integrity & your intelligence; the ecosystem will forgive your indiscretions.Link:

13) $66 million invested in Symphony - secure encrypted communications for the financial services industry. Link:

14) China not an easy market for anyone, not even Apple, not even Apple Pay! Link:

15) This "under the hood" innovation is often ignored but will allow many to experiment with new banking models. Link:

16) Big win for Dwolla & PayPal. Will be interesting to see how much of the $trillions starts flowing through them now. Link:

17) How much real money can you send in a billion virtual red envelopes? Link:

18) Mobile commerce in the US will exceed $120 billion by 2017 with 150 million users. Details in this new report. Link:

19) Google Wallet does not need Softcard to execute a better Wallet strategy. Will it help or hurt? Link:

20) This will save over $3B in fees that Visa and MasterCard pay the Russian Central Bank. Link:

21) Loyalty and Coupons seen as benefits by 50% of US consumers; mobile advertising spend to reach $42B by 2018. Link:

22) Mobile component of US digital commerce revenues expected to rise from 22% to 50% in 3 years. Link:

23) The volume and velocity of VC investment in this sector continues unabated, yet does not feel like a "bubble"... Link:

24) Opportunities for growth in this centuries-old industry are ripe as ever! One of the many LTP reports in the space.. Link:

25) With outdoor seating and free loaner bikes in contemporary cafe-like setting, UmpquaBank branch in SF delights. Link:

26) Obama's Gift to Tim Cook: huge win for Apple Pay - federal entities could begin accepting by Sep 2015. Link:

27) Just in case you were suspicious of what i was sharing in a shortened link (and scared of opening). Link:

28) Tweets can be ephemeral, especially when posted before 7am; didn't want you to miss this one: Apple Pay 2.0 imminent. Link:

29) You probably missed this - Revelsystems:"...what appears to be the highest valuation in our industry". Link:

30) Money well spent...there's only 2 of these in the market. Ours is better. Link:

31) MTA-NYC learning from Transport for London, who saved GBP 20-30 million after abolishing cash payments in July 2012. Link:

32) Lots going on Groupon - proximity marketing, mobile payments, messaging partnership with Snapchat ...comeback? Link:

33) I want ability to pay in Starbucks store using ApplePay without barcode or NFC, and also get my gold stars. Link:

34) How long can Amex fight downward trend in payments interchange? Amex is highest at 2.48%; industry average is 1.79%. Link:

35) Did you know? "ACI Worldwide processes $13 trillion in payments and securities transactions...". Link: