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31-Jul-2017 10:38

“Apple Pay and the Starbucks payment app have nothing to do with actual payments,” he told me.“The power of payments and the future of these programs is in the data they generate.” Imagine this future: Every day you go to Starbucks before work because it’s right near your house. According to him, Starbucks is just hurting its margins by giving you something you’d already be buying.You use the app, and to ensure your reliable patronage, Starbucks coughs up a loyalty reward, giving you a free cup of coffee every 15 visits. The real trick, he argued, is changing your behavior.He offers a new scenario where this time, instead of a free coffee every 15 visits, you get a free danish — which you try and then realize it goes great with coffee.Then don’t forget the lesser-knowns: Dwolla, Tilt, Tab, Level Up, SEQR, Popmoney, P2P Payments, and Flint.Then you might as well embrace the cryptocurrency of the future, bitcoin, by downloading Circle, Breadwallet, Coinbase, Fold, Gliph, Xapo, and Blockchain.

Some of most powerful corporations in the world — Apple, Facebook, and Google; the Goliaths, the big guys, the companies that make the safest bets and rarely lose — are pouring resources and muscle into the payments industry, historically a complicated, low-margin business.A few feet away sits the syringe that will, soon enough, plunge into the fat between my thumb and forefinger and deposit a glass-encased microchip roughly the size of an engorged grain of rice.“You freaking out a little?



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