Posts by Cherian Abraham

Cherian Abraham is a senior business consultant with Experian's Global Consulting Practice who brings a deep understanding of mobile commerce and emerging payments industry and trends, helping financial services and retailers to develop and execute on strategies to increase market penetration.

Abraham’s knowledge of both marketing and credit risk affords him the ability to provide rounded support encompassing mobile commerce, mobile payments, closed loop loyalty programs, and location based marketing.

Prior to joining Experian, Abraham founded DROP Labs, a mobile payments and commerce strategy and advisory practice focused on banking and retail. Before that, he was Director of Mobile Strategy and Payments at Data Concepts.

Return of NFC: Curse of the secure element

by Cherian Abraham, March 13, 2013, Featured Post

This post is in response to the recent Bankinter story of NFC payments at the point-of-sale without requiring SE – and the lack of any real detail around how it plans to achieve that goal. I am not privy to Bankinter’s plan to dis-intermediate the SE, but as I know a wee bit about how NFC works, I...read more

Smells like innovation

by Cherian Abraham, March 5, 2013, Customer Management

Big news [last week], with Chase entering in to a 10 year expanded partnership with Visa to create a ‘differentiated experience’ for its merchants and consumers. I would warn anyone thinking “offers and deals” when they hear “differentiated experience” – because I believe we are running low on...read more

GoogleWallet & Citi - Dance with the one that brung ya...

by Cherian Abraham, January 31, 2013, Featured Post

At midnight yesterday, Google sent me an email on how the new GoogleWallet update will now allow me to store my “Citi MasterCard” online. As other Google Wallet aficionados may recall (Bueller..? Bueller..?), Citi was the lone holdout in Google Wallet’s journey to the cloud and its race to...read more

MCX – MerChants reduX

by Cherian Abraham, January 25, 2013, Fraud & Identity Management

First, it aims to drastically reduce payment acceptance costs through any and all means and Secondly – keep merchant data firmly within their purview. MCX – MerChants reduX: The post that follows is a collection of thoughts around MCX, why it deserves respect, and yet how it is indeed mortal and...read more

Let's talk about security and fraud in mobile payments

by Cherian Abraham, October 21, 2012, Fraud & Identity Management

I'm here in Vegas at the Mobile2020 conference and I am fascinated by my room key. This is not the usual “insert in to the slot, wait for it turn green or hear it chime” key cards, these are “tap and hold to a door scanner till the door opens” RFID key card. It is befitting the event I am about to...read more