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Gwenn Bézard

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In their quest to wow fringe banking users, banks are facing a far more dynamic, technology-savvy and competitive environment than in the past.

Den tørre, selvironiske humor? Helt pe𝗑ig. Den viste intelligens og en behagelig selvbevidsthed. There are different components to the problem [of low-value payments]. First, you have to make a business case for all parties involved -- issuers and merchants. Second, you have to give consumers a value proposition to make it attractive for them.

Banks need to wake up to a hard and cold fact: the emergence of kiosks is one more sign that fringe banking services are a developing value proposition, not a declining one.

Although the prospects are still remote today, in-store and virtual top-up methods have the potential to lead wireless phone carriers or related players into merchant acquiring, threatening banks' and card networks' market positions.

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