Cherian Abraham

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.

All posts by Cherian Abraham

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Commerce is a conversation: Survey on Amazon Echo and ...

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...

Read More Commerce is a conversation: Survey on Amazon Echo and Voice Assistants
Fintech at the White House...

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...

Read More Fintech at the White House
Payments and Identity in a fog of devices...

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

Read More Payments and Identity in a fog of devices
Commerce is a conversation...

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

Read More Commerce is a conversation
Digging a Wider Moat: Apple Shifts to Loyalty...

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...

Read More Digging a Wider Moat: Apple Shifts to Loyalty
Is there fraud in Apple Pay?...

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

Read More Is there fraud in Apple Pay?
Why do merchants reject NFC?...

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

Read More Why do merchants reject NFC?
APPLE PAY: FIRST OBSERVATIONS AND CLOSING THOUGHTS...

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...

Read More APPLE PAY: FIRST OBSERVATIONS AND CLOSING THOUGHTS
Apple in Payments: Bluetooth Edition...

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...

Read More Apple in Payments: Bluetooth Edition
Host Card Emulation: We are not in Kansas anymore...

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

Read More Host Card Emulation: We are not in Kansas anymore
Lessons from a breach...

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...

Read More Lessons from a breach
Host Card Emulation: NFC’S tale of redemption...

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

Read More Host Card Emulation: NFC’S tale of redemption
A mobile-centric approach to customer acquisitions...

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

Read More A mobile-centric approach to customer acquisitions
Smoke is rising from Apple’s Conclave...

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...

Read More Smoke is rising from Apple’s Conclave
Isis: A JV at odds...

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

Read More Isis: A JV at odds