Forecasting the Future of Digital Wallets

The question of digital wallet acceptance is a tired one – but for many merchants a decision they might want to reconsider.  Stored credentials, defined as a system or service that stores multiple payment methods for use across multiple websites, is not a new concept.  In fact, many would say...

To PIN or Not to PIN?

A PIN— a Personal Identification Number. A customer’s PIN is the number that can verify a customer’s identity during a transaction. Most consumers and merchants believe that a PIN should be the de facto method for validating a cardholder’s identity. The question of whether or not a PIN will be...

Mobile Payments: Avoiding the Rapid Path to Irrelevancy

From its experience and continued education in mobile, W. Capra has identified some key foundational learnings that should be used to to think about how to increase adoption and ongoing usage of your mobile app.  Consumers, in particular those who are willing to download and try a mobile app, are...

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