Why Listen to Consumers?

They don’t understand paymentsor care about them at all,

so let’s think about what works

It all works fine

Cards are all we need

Would we use...

Not bovvered

Barry Grange, a Tesco director who heads the British Retail Consortium’s committee that has talked to the banks, has still to be convinced of the usefulness of [debit cards].

Will Britain buy electronic shopping? in New Scientist magazine(April 29th, 1984).

Remote shopping, while entirely feasible, will flop—because women like to get out of the house, like to handle merchandise, like to be able to change their minds.

Time Magazine(1966)

There is no reason anyone would want a computer in their home — Ken Olsen, founder and CEO of Digital Equipment Corporation

speaking at theWorld Future Society in Boston

(1977)

Prepaid (Starbucks)

Companion (O2)

Embedded (Hailo)

Attached (PayTag)

Convenient (TfL)

Acquiring (Square)

So What?

smart paymentsare integrated

payments

strategy checkpoint

APIs mean a new kind of

competition

smart pipesdigital identity

anddigital money

© Steve Jackson Games

...not dumb services

@dgwbirch