Solving online age verification today
Web merchants that sell age related products or services in the Netherlands (should) have a serious problem, because they can't verify the age of their customers online. But the implementation of age verification systems is being delayed by claims that only government issued eID cards will be good enough, and those won't be here for a few more years. Time to take action now...> Read more
E-identity is unnecessarily complicated. Payments could show the way forward
E-identity and electronic payments are two sided markets. Meaning: they serve two distinct groups of customers. Payments are about payers and payees and e-identity is about respectively users and relying parties. So let’s keep on thinking about these two distinct customers groups of e-identity when we talk about e-identity.> Read more
Product Development in two-sided markets
Normally at Innopay we write blog articles about topics we are specialised in. Topics like e-payments, e-identity, mobile payments, SEPA and e-invoicing. But we rarely talk about what exactly it is that we do in these areas and how we do it.> Read more
Measures to reduce ‘fraud’ in the internet gaming industry
The more sophisticated the technology used in the internet gaming industry gets, the more advanced the levels of fraud become. From card fraud to identity theft and misrepresentation, providers have had to adapt the way they manage their businesses, their customer identification procedures and their fraud prevention tools. Let’s examine the main challenges the online gaming industry faces when it tackles the issue of fraud.> Read more
POS payment terminals: the ultimate point of contact for physical sales?
The good old payment terminal could very well become a very important point of physical contact when e-commerce comes to the POS world> Read more
The many contexts of eID (Part 1)
In a multi-part blog of which this is the first entry, I attempt to map a model describing contexts and corresponding risks for e-commerce transaction to some e-identity concepts. Part 2, 3 etc. will follow soon.> Read more
e-mandates: the e-identity opportunity for banks?
With the SDD in place and a SEPA end date luring around the corner it's time for EU banks to make up their minds on the mandate issue. If we don't want to end up relying on paper mandates only a choice must be made soon. Is a pan EU electronic approach like EPC e-mandates the holy grail? Should we maybe explore other local options? Or should banks try not being in the mandate business at all and give the problem back to government or other third party e-identity solutions? Although views may differ widely per EU region, I believe there is an angle to the mandate topic that at least has been underexposed. That is the angle of the opportunity.> Read more
Financial institutions opening up… the ‘app era’ is here!
The last 2 days, I was at EBAday. 600 bankers and exibitors under one roof discussing ‘unlocking the full potential of SEPA’. Lots of panel discussions on innovation, e-invoicing, e-SEPA, etc. During one of these presentations I realised that I am probably missing out on a major interbank ‘e’ collaboration initiative. As an expert in this domain and generally well informed on such matters, I was instantly worried that we as Innopay had missed a great business opportunity, right in our sweetspot. Let me explain…> Read more
E-identity: looking for business problems to be solved
Last week I visited for the first time the Internet Identity Workshop in Mountain View (www.internetidentityworkshop.com). It was a great happening with lots of people ‘on a mission’ (me included). After all impressions ‘sunk aways’ the following sticks around in my mind.> Read more