Jaap Ringnalda has written Whitepapers in which he presents his vision for major developments in the world of payment systems. These can be downloaded in Dutch or in English, free of charge.
Whitepaper A: A Precarious Balance of Power in Payment Services
Every market has its own products, clients and regulators, each with its own dynamics. In Europe 90% of the total number of payment transactions are made by 1% of the number of clients. The slightest shift in the behaviour of clients/users can have dramatic consequences for certain service providers of payment systems...
Whitepaper A
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Whitepaper B: Towards a Better Business Case for Payment Services from Banks
As in every service sector, payment transaction services must yield a good operating result. Unfortunately, this is not always the case; and this especially applies to banks...
Whitepaper B
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Whitepaper C: Payment Systems tailored to the client's needs
Ideally, payment systems for the client should dovetail seamlessly with the relationship between the two parties (customer-seller, debtor-creditor)….
Whitepaper C
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