Tag Archives: curve

ApplePay gets iOS Competition – Curve

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The Times (London) Article – May 29 2024


In January of this year, Apple offered commitments to the EU to assuage their concerns about NFC payments and mobile wallets related to the EU’s Marketplace Fairness Act (MFA—see blog). Apple’s approach follows Google’s model in Host Card Emulation (HCE—see Apple Developer Doc).

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PayPal Innovation Opportunity – “All In” on the Consumer

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I’m usually just a cynic. Today, I’m constructive with specific suggestions for PayPal’s new executive team. Note that about 80% of your large institutional investors will read this.. 

Exec Summary

  • Wallets are a core battlefield for Issuers, BigTech, marketplaces, and governments.

  • PayPal’s previous “super app” strategy failed because there was no clear consumer value proposition.

  • The most significant consumer value proposition to be unlocked is the unbundling of financial services, with the wallet providing the common UI to manage the complexity. In this future state, a “super wallet” would enable bank competition for every account and every transaction.

  • PayPal is well positioned to execute on a super wallet, but it must go ALL IN on a consumer-focused value proposition without regard for issuer relationships. 

  • For example, Curve is the best-in-class Wallet providing aggregation, transaction, loyalty and analytics across all account types, networks, POS, eCom, P2P and banking services. 

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