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Monday, January 04, 2016 5:25:46 PM
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Hi Hellosmartmetric.
Thanks for your great suggestions. And thank you for the obvious time and thought you have put into helping. What you have said has been taken on board and some are actionable but others not so. You are correct that there is a big fight going on at the moment between chip and pin and chip and signature. It doesn't pay for us to get in the middle of this for a number of reasons. It is true that we have created a better mouse trap which really makes the debates over pin or signature obsolete. We are on track with our marketing to the card issuing financial institutions. I should further point out that our focus as a company is not US centric. While we have tremendous opportunity in the United States we also have very fertile grounds for marketing in Europe, Asia and Latin America in countries that have long been users of chip cards. Last year saw a lot of hype over the use of mobile payments emanating out of a big push in this direction from VC funders in Silicon Valley. A lot of large Banks got caught up in this hype and as is the way so commonly a lot of sheep following has taken place. The reality is now dawning on the industry that mobile payments is not the same as using the phone for commerce or doing online banking. Digital wallets on a persons mobile phone has proved not to be the success that a lot of tech gurus thought. It has proven to be a niche play while the humble plastic card has remained the preferred payments platform for the masses. 2016 looks like being an amazing year. We have an amazing product that solves a huge issue for both the consumer and the business/banking world.
Thanks again and regards,
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