MCX appoints banking industry veteran as CEO

US retail payments consortium MCX is appointing a new CEO just one day after founder member Best Buy announced that it would begin accepting Apple Pay in its stores from the summer.

  1 2 comments

MCX appoints banking industry veteran as CEO

Editorial

This content has been selected, created and edited by the Finextra editorial team based upon its relevance and interest to our community.

MCX has turned to banking industry veteran Brian Mooney (pictured) of Bank of America Merchant Services to take over from Dekkers Davidson, who is leaving "to pursue other opportunities". The group insists that Davidson's sudden departure is in no way connected with Best Buy's decision to jump into bed with Apple.

MCX, whose owners include some of the largest merchants in the US, is piloting its own payments app, CurrentC, which relies on QR codes and does not include support for the NFC technology deployed by Apple Pay, and other competitors such as Google and Samsung. The company has so far relied on exclusivity agreements with member firms to keep out competitive products, making Best Buy's move a potentially disruptive distraction.

Mooney, who is being appointed as 'interim CEO', has impeccable credentials for the position. Most recently CEO and a board member of Bank of America Merchant Services, Mooney oversaw all aspects of client engagement, product strategies including mobile, sales, operations, risk, and compliance. He was previously CFO, and later president, of First Data Merchant Services, which provides payment technology and services to millions of merchants including many with global operations.

In a statement announcing the appointment, MCX says: "Brian is a proven leader who has spent a substantial portion of his career at the forefront of payment technology, processing and acquisition. He is the right leader for MCX now: talented, experienced, consumer-focused, and fully prepared to help MCX and its hard-working employees deliver on the company’s enormous potential and vision.”

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Comments: (2)

A Finextra member 

Enter more implimentation procrastination and rethinking. Practices in restricting store NFC use for what, on the surface looks like a technical and UX solution that's already dead in the water (QR-only), serves nobody, least of all the customer. Other features in CurrentC are good, leveraging directly the bank infrastructure also good, but clunky, non-NFC, unintuative payment experience not so good. All to avoid card/merchant fees at the expense of the customer wants and needs.

A Finextra member 

MCX is a good example of tunnel vision by this collection of American businesses. They will fail to grab the public's approval because QR Codes cannot compete with Apple Pay's NFC, HCE (Host Card Emulation), user friendliness, quicker speed and enhanced privacy.

They are not entirely to blame. The banking system that helped to fund and create national electronic payment systems were and are out to get as much money as they can via surcharging businesses and stupid things such as interchange fees between them.

Credit card companies are also partly to blame with their surcharges to businesses. Credit card surcharges that are above the cash price should be declared illegal along with bank driven interchange fees that are imposed on businesses. National regulators should regulate and police fair surcharges that businesses have to pay for accepting particular credit cards. 

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