Apple iCloud Keychain – Digital Money services take to the cloud

Soon after May 2011, when there were a flurry of digital wallet announcements, such as Google Wallet, V.Me, Amex Serve and more, Shift Thought provided analysis to show how these fitted into the trend that we predicted, and continue to rigorously track since then.

This is a move from a mobile-centric approach to a convergent, if not integrated set of offers that become a powerful foundation for a closer relationship with your customers.


In June 2013, the Apple iCloud Keychain serves to once again underline this trend. By hosting key details on the cloud and offering single access across a host of devices, payment services from Apple seem to be in the mould of one of the “personas” in the Digital Money SAGE framework that describes wallets of the future.

The Google Wallet has already moved forward on this path. By merging with the Google Checkout and later rebranding to a single service, Google has instantaneously opened the doors to a powerful way of engaging with 7 billion people around the world. This of course is the power of adopting a strategy that recognises Digital Money in all its guises.

Shift Thought will be running a workshop on Digital Money at the PayExpo 2013 on the 18th of June in London, UK. We intend to run through the timeline of Digital Money, with special case studies to underline the trends, risks, challenges and the level of competition.

We hope this will give you concise round-up on what is happening, and the new axis on which services differentiate themselves across the world today.

We look forward to seeing you there!


This entry was posted in Digital Money, Digital Wallet, Europe, Mobile Payment, The Americas by Charmaine Oak. Bookmark the permalink.

About Charmaine Oak

Charmaine Oak is the practice lead for Digital Money at Shift Thought. She has over 27 years of experience of creating and delivering solutions to market. Her skills and experience are at the intersection of mobile, banking and payments. She brings a unique perspective, having contributed to significant ventures at leading global companies: Western Union - one of the world’s largest financial brands, France Telecom/Orange – a leading mobile operator, Royal Bank of Scotland – a leading bank, LogicaCMG – the Pioneer in SMS and Wipro – one of the world's largest IT service providers.

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