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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Experian conducted a joint-survey that uncovered insights into the topic of conversational commerce and voice assistants. The survey audience constituted nearly 1300 smartphone users...

Published: September 14, 2016 by Cherian Abraham

Experian consultant offers his recap from attending a half-day event hosted at The White House called the “FinTech Summit” largely focused on how government...

Published: June 15, 2016 by Cherian Abraham

Payments and the Internet of things has been colliding for a while now – and it surfaced again recently with Mastercard announcing that it is...

Published: December 21, 2015 by Cherian Abraham

Commerce: A conversation between merchants and consumers Last week I joined Sherri Haymond of MasterCard and Bharathi Ramavarjula of Facebook on a panel moderated...

Published: October 14, 2015 by Cherian Abraham

Apple eschewed banks for a retailer focus onstage at their Worldwide Developers Conference (WWDC) when it spoke to payments. I sense this is an intentional...

Published: June 9, 2015 by Cherian Abraham

“Building a better mousetrap merely results in smarter mice” – Charles Darwin Credit card issuers in general have a good handle on fraud. They...

Published: January 9, 2015 by Cherian Abraham

Through all the rather “invented conflict” of MCX vs Apple Pay by the tech media these last few weeks – very little diligence was...

Published: November 3, 2014 by Cherian Abraham

If rumors hold true, Apple Pay will launch in a week.Fiveofmylastsixposts 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 Emulationback in March, it provoked much debate around whether this capability will die on the cutting floor or...

Published: November 7, 2013 by Cherian Abraham

In the 1970s, it took an average of 18 days before a decision could be made on a credit card application. Credit decisioning has...

Published: November 4, 2013 by Cherian Abraham

TL;DRRead 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

Isis has had a slew of announcements – about an impending national rollout and further assertion by both Amex and Chase of their intent...

Published: August 26, 2013 by Cherian Abraham

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