Apple's big announcement yesterday – which included the next iPhone line and Apple Watch – included 'Apple Pay', the company's entry into the digital payments space.
Consumers want convenience, which is why so many choose ecommerce over shopping on the high street.
Spotify pioneered the freemium streaming model that turned the music industry on its head. But the requirement that payments be made by card or paypal excludes too many people from signing up for the service.
Now that the new year is on our doorstep, it's time to look at the trends of 2013 every business, entrepreneur, investor or consumer needs to know about.
The UK has a strong track record in developing security and anti-fraud software (cf, Sophos, nCipher and others). Semafone is bringing similar skills to credit card payments.