Cherian Abraham focuses on Digital Commerce and Payments for Experian and its clients in Banking and Retail. He works to extend Experian’s global capabilities in customer acquisitions, fraud and credit risk in to the online and mobile channel. He is on the Board of Advisors at SimplyTapp – a Card Issuer Solution Provider for Cloud based Payments and creators of Host Card Emulation(HCE) in Android, and ModoPayments – which is a retail platform for personalized and instant in-store gifts and offers. He publishes a detailed analysis on topics surrounding payments and commerce at Drop Labs, a strategy and advisory practice that was most recently at the center of discussing the potential and reality of Identity Fraud in Apple Pay.

-- Cherian Abraham

All posts by Cherian Abraham

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It is exciting because as device counts and assortments grow, they each have their own residual identity as a combination of things and behaviors...

Published: December 21, 2015 by Cherian Abraham

Apple Pay and the Yellow Path: All Apple Pay participating card issuers are required to build a “Yellow Path” for when card provisioning in...

Published: January 9, 2015 by Cherian Abraham

If rumors hold true, Apple Pay will launch in a week. Five of my last six posts had covered Apple’s likely and actual strategy in payments & commerce, and the...

Published: October 21, 2014 by Cherian Abraham

Apple held its annual developers conference last week to showcase its new features within iOS8. One area that still needs clarification is Apple’s intent...

Published: June 10, 2014 by Cherian Abraham

Both Visa and MasterCard announced their support for Host Card Emulation (HCE) and their intent to release HCE specifications soon. I have been talking...

Published: February 20, 2014 by Cherian Abraham

In the days following the Target breach, both clarity and objectivity are in short supply. Everything that didn’t already exist became suddenly the cure-all...

Published: January 14, 2014 by Cherian Abraham

When I wrote about Host Card Emulation back in March, it provoked much debate around whether this capability will die on the cutting floor or...

Published: November 7, 2013 by Cherian Abraham

TL;DR Read within as to how Touch ID is made possible via ARM’s TrustZone/TEE, and why this matters in the context of the coming Apple’s...

Published: October 2, 2013 by Cherian Abraham

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