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Sebastien Tormos

Director Mobile Solutions


Combining Mobile Banking and Mobile Wallets – Creating the Ultimate Customer Experience

By Sebastien Tormos

June 6, 2014

As the industry evolves, many organizations are now asking themselves how mobile wallets can play into the overall mobile banking experience.  Take for example a recent article that was published, Time to Merge Mobile Payments with Mobile Banking, which states: “Financial organizations should begin preparing today for when the payments method takes off; and that industry experts […]

Turning the Turnstile Mobile: The Big Impact of Mobile Payments on Public Transit

By Sebastien Tormos

February 12, 2013

As major retailers and brands such as Starbucks grab international headlines for introducing innovative solutions for mobile wallets, much of the early innovation has actually been quietly happening within the public transportation space, from Chicago to Seoul and all points in between. Incorporating transportation options within a mobile payments wallet can be a key value-added […]

Mobile Payments: 5 Keys to a Positive Customer Experience

By Sebastien Tormos

November 19, 2012

A new cooperative company called Merchant Customer Exchange, or MCX, formed this past August in an effort to offer wide-reaching acceptance of mobile payments.  The company currently comprises 21 participating merchants, including Wal-Mart, Target, Sears, Lowes and CVS – and that list is growing. As the number of mobile payment-ready point-of-sale terminals increases, customer adoption […]

EMV VS. NFC Technology: Setting the Record Straight

By Sebastien Tormos

October 18, 2012

In today’s digital landscape, keeping track of technical jargon can be overwhelming. As a result, the distinction between technologies like EMV chip-based contactless payment cards and NFC payments has become blurred. EMV contactless cards and NFC mobile payments share common features and represent a new wave of cross-functional payment applications that will gradually replace magnetic stripe technology, enhancing payment cards and mobile wallets.

Pay with Square: The Right Angle on Mobile Payments?

By Sebastien Tormos

September 25, 2012

We’re big proponents of cashless transactions, and the ability to supplement plastic credit cards with wireless payment options is more available now than ever before. Enabling mobile payments offers benefits to businesses and customers alike, through low transaction fees, flexible financial card use and a quick-and-easy purchase experience.    If you’re paying attention to mobile payments, […]

NFC Personalization and Mobile Payments: Are You Ready to Make it Happen?

By Sebastien Tormos

September 4, 2012

Technology is shaping the future of the financial services industry. A new banking customer is emerging– one who is more tech savvy and holds higher expectations for innovative services and programs.  As banks and credit unions aim to provide leading-edge programs that appeal to today’s consumers, one trend they need to consider is NFC adoption […]