Enabling Technologies

Sunday Musings, from Frozen Yogurt to Payments Mafia!


One of the interesting columns that gets published on Sundays (not all weeks) on Let's Talk Payments is called "Sunday Musings". The LTP Editorial Board has picked up four interesting Payment Analysis posts for you that got published in the recent months:

Payments Mafia or Innovative Tribes? Are Payment Ecosystems Lacking Diversity?

paypalGreetings from Charlotte, North Carolina! It’s great to get back to the Sunday PM musings after a few weeks off. Let’s pick it up from where we left off the last time… Wikipedia describes “Mafia” as “a term used to describe certain clan- or culturally-based organized crime enterprises”. So, how would we describe Payments Mafia?

From Card Not Present (CNP) to Customer Now Authenticated (CNA)

cnptocnaA card not present transaction (CNP, TO/MO, Telephone Order / Mail Order) is a payment card transaction made where the card holder is not present physically with the card. CNP is well understood because it has always been associated with cards being used to pay online...

Many Ways to Secure Element

se2 A secure element (SE) is a platform (typically a one chip secure microcontroller) capable of securely hosting applications and their cryptographic and confidential data in accordance with the rules and security requirements set forth by a set of well-identified trusted authorities. Initially secure element was only in the SIM primarily because of operator control and...

Payments and Frozen Yogurt


It’s been a great summer so far. I have had more frozen yogurt in more places and in more varieties than I have received pre-approved credit card offers in the mail…well, that second part is not quite true, and the topic of pre-approved card offers deserves it’s own blog, so let’s focus on the topic...



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