Category Archives: Uncategorized

TCH Tokens in eCom SRC Model

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Part 1 – Current US Routing Rules

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UPDATE – Nov 29 2022 – Note that I have conflated the relationship between SRC and 3DS 2.0. 3DS 2.0 is the authentication protocol used by SRC. 3DS 2.0 has been widely adopted as a mandatory replacement to 3DS 1.0. Part of the driver for adoption was the EU SCA mandate. SRC has NOT been widely adopted as it is a fairly broken consumer experience at the moment. 

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BNPL Travel Example – Short Blog

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Short blog today on an example BNPL opportunity and the differences between a consumer BNPL solution like Apple Pay Later and Merchant integrated solutions from providers such as Affirm (or SQ/Afterpay see Three Flavors of BNPL).  Today Air Travel and Vacation packages are the focus.

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Consumer Data Bureau?

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Short blog today as opposed to the 9 page monster in identity and attribution Friday.  Today I’m providing my thoughts on what a consumer data bureau would look like.  Summary: Banks have a unique opportunity to create a consumer data bureau and be the key “switch” for regulated and permissioned data. Will they seize it?

Per blog yesterday, everyone has a partial view of you based upon their observations and what you trust them to hold (see Payments and Observer Effect). The more often you interact with a single entity, the more they learn about you. Today Google and Amazon know you much better than your bank. Any unique insights that a bank may have is limited by their ability to take part in that transaction. Thus entities, with the ability to initiate transactions, have the most control (summary of Identity will Define Future of Trust Blog).

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Start Ups in a Downturn: Key Actions

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Thought I would share the recommendations I’m making to the companies I advise. To be clear we aren’t in a downturn yet, but you may want to consider some actions today. A start-up is like a small boat on the ocean: the highs are higher and the lows are lower (and you feel it in between). We are in for some rough weather and it’s important to prepare for the storm and particularly new lows that have never been experienced by anyone in your organization. 

Open to your thoughts here. Sorry for typos..

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Google Wallet Re-Launch

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Last week we saw a major relaunch of Google Wallet at Google I/O. See

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Secure Remote Commerce – May 2022

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Short Blog. I wanted to follow up on the last point I made in Bank ID Service – What Is It?

Some US Banks are refusing to jump on board SRC. As managers of risk, Banks are reluctant to accept network services which level the playing field in both managing risk and “diluting” their brand.… In some respects Authentify is a response to SRC.

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Acceptance Hurdles

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This is a continuation thought from 3 blogs I put together last year: ACH, A2A and Marketing Incentives, Acceptance Part 1 and A2A – Threat to V/MA?  A great part of blogging is getting feedback. While I’m long in the tooth, I’m not the deep expert in every area. Writing blogs usually leads to feedback from the experts. 

Question for today. IF a new payment scheme were developed for eCommerce what are the hurdles to acceptance?

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Authentify – Bank ID Service

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Apologize in advance for typos.. did not proof yet

Press Release

Today’s WSJ Article on Zelle.

Congrats to Early Warning and their participating banks in the Launch of the Authentify wallet! A service 6 yrs in the making and driven by my good friend and former EWS president Eric Woodward.

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