How much faster can Apple growth engine run with local payments ?

  Everyone is talking about Apple’s decreasing hardware revenue and increasing service revenue. Experts expect service to be the growth engine that results with 100 bps and 400 bps increase in gross and contribution margins respectively in the next five years. Imagine how much faster the Apple growth engine could run with proper fuel. I […]

Win fraud. Change economics of fraud against fraudster.

Fraud happens; given the online faceless nature of transactions. Fraud thrives in these circumstances and anyone with access to stolen information can commit it easily. Creating a trusted identity that can withstand fraud is daunting, especially when fraudsters have economic advantages that tilt the odds in their favor. The old ways of verifying identity are […]

Cost of Payments

Cost of Payments is an elusive and mysterious topic. There is hardly a mention on the web, no clear definition or explanation found.
Cost of payments is a double edged sword, on one hand it is a necessary evil, on the other, a formidable revenue driver. Regardless of which side you are on, you ought to know how to qualifying and quantifying costs. It is an important metric to watch. Improving cost efficiency is a not optional and can be time consuming, so plan ahead and review often.