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	<title>Philip Andreae's Thoughts</title>
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	<link>http://www.andreae.com/Blog</link>
	<description>Insights from an active observer</description>
	<pubDate>Mon, 21 Jul 2008 15:52:10 +0000</pubDate>
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			<item>
		<title>The rich get richer and the rest of us continue to survive</title>
		<link>http://www.andreae.com/Blog/2008/06/04/the-rich-get-richer-and-the-rest-of-us-continue-to-survive/</link>
		<comments>http://www.andreae.com/Blog/2008/06/04/the-rich-get-richer-and-the-rest-of-us-continue-to-survive/#comments</comments>
		<pubDate>Wed, 04 Jun 2008 15:13:33 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Our Globally economy]]></category>

		<category><![CDATA[global economics]]></category>

		<category><![CDATA[poverty]]></category>

		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=21</guid>
		<description><![CDATA[Wednesday 4 June 2008 I received an advertisement for a book from Forbes about the 400 richest people in the world.  As part of the advert they showed this graph.  When I look at something like this i wonder why we talk about lowering the tax on the rich.  With this much wealth i  would not be [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/06/04/the-rich-get-richer-and-the-rest-of-us-continue-to-survive/feed/</wfw:commentRss>
		</item>
		<item>
		<title>e-ID - a public utility or a space of trusted third parties</title>
		<link>http://www.andreae.com/Blog/2008/05/25/e-id-a-public-utility-or-a-space-of-trusted-third-parties/</link>
		<comments>http://www.andreae.com/Blog/2008/05/25/e-id-a-public-utility-or-a-space-of-trusted-third-parties/#comments</comments>
		<pubDate>Sun, 25 May 2008 13:41:42 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Payments]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=20</guid>
		<description><![CDATA[In response to the article published by Consult Hyperion
Conference paper e-ID as a public utility Neil A. McEvoy
 
 
Universality
Interesting that as soon as you identify that I should be able to provide my identity to anyone anywhere you state that a national government can offer such a scheme.  That is counter intuitive and fraught with the [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/05/25/e-id-a-public-utility-or-a-space-of-trusted-third-parties/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Mobile Payments and Banking - Consumer reaction is negative</title>
		<link>http://www.andreae.com/Blog/2008/05/25/mobile-payments-and-banking-consumer-reaction-is-negative/</link>
		<comments>http://www.andreae.com/Blog/2008/05/25/mobile-payments-and-banking-consumer-reaction-is-negative/#comments</comments>
		<pubDate>Thu, 01 Jan 1970 04:59:59 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Payments]]></category>

		<category><![CDATA[admin]]></category>

		<category><![CDATA[contactless]]></category>

		<category><![CDATA[micro-finance]]></category>

		<category><![CDATA[mobile payments]]></category>

		<category><![CDATA[payPass]]></category>

		<category><![CDATA[Visa Wave]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=19</guid>
		<description><![CDATA[UK consumers reject mobile payments
Security is a major hindrance, says study Written by Angelica Mari, 23 May 2008

I must admit I am confused about the potential for the Mobile Phone becoming a mechanisms we employ when making payments.  If I was simply to take the reaction in an article recently published on VNUNET.com, I would worry.  [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/05/25/mobile-payments-and-banking-consumer-reaction-is-negative/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Interchange is under threat</title>
		<link>http://www.andreae.com/Blog/2008/05/16/interchange-is-under-threat/</link>
		<comments>http://www.andreae.com/Blog/2008/05/16/interchange-is-under-threat/#comments</comments>
		<pubDate>Fri, 16 May 2008 23:08:02 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Payments]]></category>

		<category><![CDATA[interchange]]></category>

		<category><![CDATA[MasterCard]]></category>

		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=18</guid>
		<description><![CDATA[Judiciary Committee Antitrust Task Force 
Hearing on H.R. 5546, the “Credit Card Fair Fee Act of 2008” 
Today I sat down and read through all of the testimony and must admit, understanding the concepts of interchange, I am troubled by the testimony provided by both Visa and MasterCard.  Neither provided sound arguments to justify interchange.  [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/05/16/interchange-is-under-threat/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Alternative Payment Methods</title>
		<link>http://www.andreae.com/Blog/2008/05/16/alternative-payment-methods/</link>
		<comments>http://www.andreae.com/Blog/2008/05/16/alternative-payment-methods/#comments</comments>
		<pubDate>Fri, 16 May 2008 13:18:00 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Our Globally economy]]></category>

		<category><![CDATA[Personal Thoughts]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=15</guid>
		<description><![CDATA[Ed Kountz of jupiter in his recent blog on Alternative online Payments offers an opinion that credit and debit cards where not designed for the Internet.  It is interesting to reflect back in history and remember when it was not the magnetic strip that was important to the execution of the transaction but the numbers printed [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/05/16/alternative-payment-methods/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Interchange under judicial and legislative review</title>
		<link>http://www.andreae.com/Blog/2008/05/15/interchange-under-judicial-and-legislative-review/</link>
		<comments>http://www.andreae.com/Blog/2008/05/15/interchange-under-judicial-and-legislative-review/#comments</comments>
		<pubDate>Thu, 15 May 2008 14:10:46 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Our Globally economy]]></category>

		<category><![CDATA[Payments]]></category>

		<category><![CDATA[interchange]]></category>

		<category><![CDATA[MasterCard]]></category>

		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=14</guid>
		<description><![CDATA[Today on Payments News - from Glenbrook Partners&#8221; they posted an article referencing the hearing taking place 
Thursday 05/15/2008 - 11:00 AM
2141 Rayburn House Office Building
Judiciary Committee Antitrust Task Force
Hearing on H.R. 5546, the “Credit Card Fair Fee Act of 2008”
House Judiciary Committee Holds Hearing on US Interchange Fees 
As we mentioned here on Payments [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/05/15/interchange-under-judicial-and-legislative-review/feed/</wfw:commentRss>
		</item>
		<item>
		<title>European ATM Skimming Fraud Jumps 43%</title>
		<link>http://www.andreae.com/Blog/2008/05/08/european-atm-skimming-fraud-jumps-43/</link>
		<comments>http://www.andreae.com/Blog/2008/05/08/european-atm-skimming-fraud-jumps-43/#comments</comments>
		<pubDate>Thu, 08 May 2008 21:46:18 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Payments]]></category>

		<category><![CDATA[debit card skimming]]></category>

		<category><![CDATA[fraud]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=12</guid>
		<description><![CDATA[Reported by Epaynews.com
May 08 2008 : In 2007, ATM fraud losses rose by 43 percent in Europe to €439.01 million (US$683.7 million) from €306.48 million in 2006, reports EAST (the European ATM Security Team). Most of the losses in 2006 and 2007 were due to card-skimming at ATMs, the non-profit organization says.The year-on-year increase in [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/05/08/european-atm-skimming-fraud-jumps-43/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Crooks Have Your Card and You Don&#8217;t Even Know It</title>
		<link>http://www.andreae.com/Blog/2008/05/02/crooks-have-your-card-and-you-dont-even-know-it/</link>
		<comments>http://www.andreae.com/Blog/2008/05/02/crooks-have-your-card-and-you-dont-even-know-it/#comments</comments>
		<pubDate>Fri, 02 May 2008 21:47:31 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Payments]]></category>

		<category><![CDATA[EMV]]></category>

		<category><![CDATA[fraud]]></category>

		<category><![CDATA[skimming]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=13</guid>
		<description><![CDATA[How Thieves Copy Credit and Debit Cards and Drain Accounts
By ELISABETH LEAMY - ABC News
May 2, 2008—
 While your ATM card is tucked in your wallet, thieves half a world away could be cloning it and using it. The crime is called &#8220;white card fraud,&#8221; and ABC News investigated just how easy it is for thieves [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/05/02/crooks-have-your-card-and-you-dont-even-know-it/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Yesterday today and tomorrow</title>
		<link>http://www.andreae.com/Blog/2008/04/25/yesterday-today-and-tomorrow/</link>
		<comments>http://www.andreae.com/Blog/2008/04/25/yesterday-today-and-tomorrow/#comments</comments>
		<pubDate>Sat, 26 Apr 2008 04:39:23 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Personal Thoughts]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=10</guid>
		<description><![CDATA[Once long ago there was a lady so fair
My heart was with her
My mind did pondered a future togehter
I understood then we each had a path we must follow
Each a Path leading to fields of fruit and bounty
Time passed and contact was lost
Yet her name stayed in my mind
Never to leave the subtle crevices of memory
Thoughts [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/04/25/yesterday-today-and-tomorrow/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Genesis evolution creation and the power of God</title>
		<link>http://www.andreae.com/Blog/2008/04/13/genesis-evolution-creation-and-the-power-of-god/</link>
		<comments>http://www.andreae.com/Blog/2008/04/13/genesis-evolution-creation-and-the-power-of-god/#comments</comments>
		<pubDate>Sun, 13 Apr 2008 21:29:22 +0000</pubDate>
		<dc:creator>Philip</dc:creator>
		
		<category><![CDATA[Spiritual Thoughts]]></category>

		<guid isPermaLink="false">http://www.andreae.com/Blog/?p=9</guid>
		<description><![CDATA[ 
During my journey from one of not wishing to believe to one accepting the power and grace of God; I explored science and thought that science would offer all the answers and ultimately be able to explain everything.  As my learning expanded and I came to appreciate that there was too much order in all [...]]]></description>
		<wfw:commentRss>http://www.andreae.com/Blog/2008/04/13/genesis-evolution-creation-and-the-power-of-god/feed/</wfw:commentRss>
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