1.
Why Listen to
Consumers?
They don’t understand payments
or care about them at all,
so let’s think about what works

2.
It all works fine

3.
Cards are all we
need

4.
Would we use...

5.
Not bovvered

6.
Barry Grange, a Tesco director
who heads the British Retail
Consortium’s committee that
has talked to the banks, has
still to be convinced of the
usefulness of [debit cards].
Will Britain buy electronic shopping?
in New Scientist magazine
(April 29th, 1984).

7.
Remote shopping, while
entirely feasible, will flop—
because women like to get out
of the house, like to handle
merchandise, like to be able to
change their minds.
Time Magazine
(1966)

8.
There is no reason anyone
would want a computer in their
home — Ken Olsen, founder
and CEO of Digital Equipment
Corporation
speaking at the
World Future Society in Boston
(1977)

9.
Prepaid
(Starbucks)

10.
Companion (O2)

11.
Embedded (Hailo)

12.
Attached (PayTag)

13.
Convenient
(TfL)

14.
Acquiring
(Square)

15.
So What?

16.
smart
payments
are integrated
payments

17.
strategy
checkpoint
APIs mean a
new kind of
competition

18.
smart
pipes
digital
identity and
digital money
© Steve Jackson Games

19.
...not dumb
services

20.
@dgwbirch