Nick Holland is a well-known and respected thought leader in Fintech. He has spent more than thirteen years focusing on the intersection of mobile, retail payments and security, working at many of the most renowned research houses in the industry. His prior roles include Head of Payments and Mobile at Javelin Strategy, where he conducted in-depth research on EMV, mobile proximity payments, digital wallets, tokenization and biometrics and provided consulting to financial institutions, mobile operators, processors, card networks and vendors; and mobile payments research at Yankee Group and Aite Group.
While Zelle is working hard to become the Venmo for grown-ups, it is also pushing into retail payments, particularly in opportunities for displacement of cash and check and where funds are needed in minutes rather than days or weeks.
Sometimes an idea is ahead of its time. Many of the most ambitious products in payments and fintech were dismissed as absurd or over-ambitious at the time — only to feel perfectly normal years later as culture and consumer habits evolved.
After a year of teething trouble at the Amazon Go cashierless concept store in Seattle, the e-tailer has finally opened its doors to the public. But no amount of Jetsons-esque technology can prepare the company for a stampede of consumers accustomed to Flintstones-era retail.