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ISSUE NO. 68– July 2019

ビットコイン・オン・スタックのコイン-フェイスブック・ロゴ・オン・ノートパソコン-スクリーン。-暗号通貨とブロックチェーン-導入-主流。-スロベニア-02

Rough Start for Facebook's Libra

Facebook’s Libra has had a difficult start and has faced a cold reception from regulators, banks and payment processors. As predicted by CardLinx in its May 3 Elinx Flash, security and fraud have taken center stage among chief concerns about Facebook’s crypto-currency. Regulators also feel threatened by Facebook’s intention to assume a quasi-governmental role in issuing its own global currency that has a value tied to a basket of national currencies.

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New market entrants in payments and fin-tech often underestimate the rigorous demands of security and collaboration required to deliver scale for their new products. Facebook has a spotty record when it comes to security and fraud. This past week it announced it had been fined a record $5 billion by the FTC for failing to safeguard consumer data.

Collaboration with regulated incumbents is also a key to success in payments. Not a single major bank or payment processor (other than PayPal) has  agreed to participate in Facebook’s Libra.

This rough start is a cautionary tale for innovators in this space. Great security and a sophisticated partnership strategy with incumbents are critical ingredients for success in fin-tech.

rakuten-

Rakuten to Launch US Bank and Card Issuing Business

CardLinx member Rakuten announced today that it would launch a bank and card-issuing business in the USA. Rakuten is headquartered in Japan, where it is the number one e-commerce site and has rapidly become a top Japanese card issuer with its Rakuten Card payment card. In the USA, Rakuten owns the leading online-to-online affiliate network and has grown to become a leading online-to-offline affiliate network with RCLON (Rakuten Card-Linked Offer Network). In Europe, Rakuten has already  been a card issuer for several years and also owns the popular social media and messaging app called Viber.

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Rakuten’s announcement confirms the accelerating trend for e-commerce and technology companies to also become meaningful global players in credit cards, payments, and off-line commerce. Earlier this year, Apple announced it would launch its own companion credit card. Facebook also announced a new payment crypto-currency to accompany its popular Facebook and Instagram social media businesses.

The increasing importance of payments to e-commerce and technology businesses is clear. The need for payments and offers is driven by the intense competition to drive digital engagement for consumers.

Groupon

Groupon and GasBuddy Team Up on Consumer Discounts

カードリンクスの加盟企業ガスバディとグルーポン 取引を発表した GasBuddyの顧客がグルーポンの商人で買い物をすることによってガスの割引を得ることができるようにする。

CardLinx インサイト

2人のCardLinxメンバーのコラボレーションによって開発された新製品は、カードリンク業界で加速しているダイナミックなイノベーションを示しています。単にキャッシュバックオファーを提供するのではなく、新製品は地元の小売業者の足のトラフィックを増加させる。しかし、それはまた、地元のガスのための最初の消費者の選択肢になることによって利益を得る無料のガス小売業者のための価値を駆動します。業界関係者は、このような新製品がまもなく市場に投入される可能性を期待する必要があります。

Upcoming CardLinx Conferences

capital-

CARDLINX EAST - DATA DRIVEN COMMERCE

10月22日, 2019 |ワシントン DC
デジタル化のパーソナライゼーションは、銀行や航空から携帯電話や冷蔵庫まで、あらゆる場所に展開されていますが、その真の力は、価値を提供しながら日常業務を合理化する能力です。
消費者は新しい技術を採用し、コマースでデータと分析を取り入れています。デジタルパーソナライザトン、消費者行動、データ分析、小売ブランディングを使用して、オンラインと店舗で買い物客をつなぐリーダーに会いましょう。
toronto

CARDLINX CANADA - DRIVING DIGITAL LOYALTY

November 6, 2019 | Toronto, CA
As consumers become more tech savvy, there has been an increase in creative digital loyalty programs to engage consumers. In Canada, digital loyalty has become a big opportunity for retailers and technology companies to connect directly with their customers. At this CardLinx Forum, hear from the leading banks, technology companies and retailers on how they are combining the latest technologies to bring together online to offline commerce.
big-ben

CARDLINX EUROPE: DIGITAL COMMERCE AND REGULATIONS

December 4, 2019 | London, UK
New commerce technologies and regulations have begun to radically transform the face of consumer experiences across all European markets. This conference brings together the leading digital companies, banks, card-linked technology companies, payment processors, and payment networks from the largest and most innovative commerce markets in Europe. Come hear from these companies on the future of online to offline commerce.