Confluence of tech, banks, biz and consumers
January 19, 2011 2 Comments
19 Jan 2011
I was researching “ownership” scenarios for the secure element in handsets and ran across this excellent analysis… a must read for banks.
Kudos to the Mobey Forum! Well Done.
International Retail Bank - Internet Head for Citigroup. $500MM P&L, Employees in 40 countries. Responsible for driving Citi's international consumer business outside the US, online and on the phone.
Prior business owner of #1 Online Bank in the U.S.: Wachovia.com. #1 Online Bank Brand, #1 in Customer Acquisition, #1 Customer Satisfaction, #1 Customer Loyalty (2005 Keynote, 2005 ACSI).. $170M P&L. 2M+ Customer interactions per day, $30B+ payments per year.
Global Product/Sales/Consulting efforts world wide. Chartered to ensure success of international equity investments and joint ventures. Experience with global rollout and early adopter programs in U.S., Europe and Asia. Direct experience in over 32 countries. “C” level interface with over 30 global 100 companies (some listed below). Identify, create and manage alliances with global partners.
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According to this paper, it is still not 100% clear who owns the SE.. it really depends on the relationship between involved stakeholders. It seems that the stakeholders are not going to agree on mutual way of delivering NFC service to the end users, therefore, owning the SE depends on the agreement that the involved parties are making. I think that stakeholders should sit down and agree on one way of delivering this techmology to end users rather than proposing their own solutions which is not going to be the finalised approach.