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Charmaine Oak

Apple Pay Cash and the matter of trust

Over more than a decade now we have seen the launch of mobile wallets and prepaid cards, the high hopes for them and an often lukewarm response from the customer, followed by a phased withdrawal. I ha...

02 Jan 2018
Innovation in Financial Services
Charmaine Oak

Openness versus Certainty of regulations - What is more enabling?

Both openness and certainty are important to establishing what is termed as an “enabling” financial services(FS) regulatory environment. Firstly, what is an enabling regulatory environment? Just as pl...

21 Nov 2016
Charmaine Oak

New Subscribe and Save Offer from Amazon could prove sticky

As I report that Amazon has been making further inroads into the UK online shopping market, I realise it is probably an under-statement. As it was our go-to provider long before the holiday season it ...

20 Jan 2016
Innovation in Financial Services
Charmaine Oak

Payments - Looking back, looking forwards

It is easy to find fault in company launches, but as a former product manager I fully understand the courage it takes to get there in the face of uncertainty, and the myriad factors that stand betwe

03 Jan 2016
Innovation in Financial Services
Charmaine Oak

Four major trends transform card payments market in India

I had an opportunity to catch up with Nitish Asthana of First Data who provided a fascinating account of how the fast moving payments scene in India is changing the very fabric of daily life. As 900 m...

21 Jul 2015
Innovation in Financial Services
Charmaine Oak

Apple Pay comes to the most contactless ready country - UK!

Today Apple Pay launched in the UK - signalling the start of a new era. Since Apple Pay launched in USA last October, a UK launch has been expected, to mark the start of a new level of use of mobile...

14 Jul 2015
Innovation in Financial Services
Charmaine Oak

Payments systems in the US: A sleeping giant awakes

This weekend as we joined in wishing our American friends and family around the world a wonderful Independence Day, my thoughts turned to how Payment Systems are changing in historic ways in America, ...

06 Jul 2015
Innovation in Financial Services
Charmaine Oak

Could mobile wallets help consumers enjoy life more in Canada?

In honour of Canada Day today, I fell to thinking about how mobile payments may be able to help folk lead happier lives, for instance by providing more opportunities to enjoy things exactly the way we...

01 Jul 2015
Innovation in Financial Services
Charmaine Oak

Mobile Payments in Europe: Converging or Diverging?

Curious to understand where mobile payments has actually got to in Europe, I recently caught up with Christian von Hammel-Bonten, EVP at Wirecard AG, to gain insights from the recent launches Wirecard...

26 Jun 2015
Innovation in Financial Services
Charmaine Oak

As Health meets Wealth, can Wisdom afford to trail?

Today as fitbit prepares to float on the New York Stock exchange, after which it could reportedly be worth an estimated $4.1bn, I thought I'd reflect on the further convergence happening between the h...

18 Jun 2015
Innovation in Financial Services
Charmaine Oak

How Android Pay changes state of play in the Mobile Payments Game

Now that details regarding Android Pay have emerged, I thought it would be interesting to contemplate on how key mobile payments “ecosystem builders” as I term them, stand with respect to the ongoing ...

29 May 2015
Innovation in Financial Services
Charmaine Oak

An inflection point for mobile financial services in Nepal

As authorities and developers work hard to help families somehow struggle through the devastating results of the 7.8 magnitude earthquake of April 25 and the second major earthquake yesterday, my thou...

13 May 2015
Innovation in Financial Services

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