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It’s somewhat amusing to read coverage of Apple Pay while sitting in Sydney. Apple Pay solves a uniquely American problem – cheques and signatures for credit card transactions which result in high fraud levels. Consumer convenience has always been secondary – if it had been a primary concern they would have done this long before now.
Simple an easy payments are something we addressed long-ago down under through a combination of smarter credit cards and apps on phones. Tap-and-go is now familiar and popular.
Seeing alternatives like Current C emerge in the US is interesting in that it addresses another problem unique to that geography (at this stage). And that is the collusion that has occurred between technology and credit card providers to set fees and lock-up transaction processes.
Years ago a really super smart developer said to me that every closed and proprietary system would be met not just by alternatives, but at some a point a powerful and open standard that would crush both. Think Java for payments. I wonder if Samsung could be the company to pioneer that open ecosystem – its current approach to NFC would suggest so.
Suggesting that consumers won’t largely want CurrentC misses the point – its the businesses, big and small, that have to shoulder the cost that will want it. And so long as they market and encourage it, its got a chance. Moreover, any incentive will be automatically applied as they subtract the credit card and Apple tax.
I just wonder if at any point anyone bothered to get on a plane and take a look at what has happened in the Australian and New Zealand markets where competition has driven innovation to outpace the best in Silicon Valley, in turn ultimately benefiting rather than taxing the small businesses that make the economy hum.
Johnny Ive on design… too good…
“Isn’t that curious? Because if you tasted some food that you didn’t think tasted right, you would assume that the food was wrong. But for some reason, it’s part of the human condition that if we struggle to use something, we assume that the problem resides with us.”
Back in the US for a few days and am already reminded of just how good service and wireless internet is. The Inn at Spanish Bay was fantastic. Remarkable service. Super high-speed Internet.
Ok, neither the food or coffee quality of the Sky City Grand but slays them on everything else. And the Sky City Grand is about as good as it gets in NZ – the Copithorne Bay of Islands was terrible on nearly every count, which for a premier NZ destination isn’t OK. Lousy food, average service, tired room, and terrible Internet.
Although I was reminded that the 17 Mile Drive spread has the same weather pattern as Melbourne. A whole lot of seasons in one day. You start with wet and mist, progress to a sunny morning and afternoon, sudden light rain, then a cool evening.
All first world problems though.
Spiro nails it. Refs run the game to ruin through outrageous, inconsistent and game deciding rulings. Rugby is less about players and more about refs. In fact, teams with possession are better off hanging around for penalty against equal or stronger sides. The game is in a terrible place.
I just found the decision of Jaco Peyper to yellow card two All Blacks just bout as bewildering as his scrum rulings. The two yellow card sendings off for ‘cynical’ play at the ruck have set a poor precedent. If players are going to be sent off for ‘cynical’ play, then most of the forwards will be in the sin bin. Certainly Michael Hooper and Richie McCaw would never finish a match.
The first penalty of the Test, for instance, when Scott Fardy deliberately fell across the All Blacks ruck and stopped a strong attack was as ‘cynical’ as that of the Wyatt Crockett and Beauden Barrett. Why wasn’t he given a yellow card?
The yellow card was introduced for repeated professional or cynical fouls in the scoring zone. Several infringements were needed before the yellow card sanction was to be used. Under Peyper the yellow card seems to have morphed into a first resort punishment for play deemed illegal anywhere on the field.
There are too many yellow cards issues, anyway. By bringing yellow cards into general play, Peyper threatened to destroy the integrity of the Test. It was noticeable that the All Blacks coaches were so nervous about his propensity to hand out yellow cards that that took Crockett off the field.