Also a final whine about TD declining my card. Canada rolled out chip+pin for our national debit scheme in 2010 and we’ve all just about gotten the hang of it at the POS now, even cranially-challenged consumers like me. chiping+Pining debit purchases wasn’t a huge leap since Canadians have been swiping+PINing our debit cards for [...]

According to the CIA Factbook, the world’s 2010 GDP is estimated at 75 Trillion dollars. According to the Boston Consulting group, the global payments industry is approaching 500B in revenue. According to my math, this implies that payments industry’s revenues alone represents a 0.67% tax on human effort.               If payments [...]

I like QR codes. They are so contra! I like QR codes and I have since the first time I saw one and wasted 2.3 hours figuring out how to scan it with my iphone 1. Since then @ hyperWALLET we’ve used QR codes as a training ground for rookie software developers and business analysts [...]

hyperWALLET is off to MMT09 next week in Dubai where we will be sharing some of our real-world experiences operating  cross-border online and mobile remittance services. While we are there, I’m looking forward to meeting the operators of next-generation services like M-Pesa and Zap in Kenya,  Wing in Cambodia, and PayMate in India.   These initiatives [...]