Dear Subscriber,

Welcome back after the bank holiday weekend! We’re easing back into the week with a look at how mobile payments are faring in the US. A new report from ACG says that while 27% of those that can make mobile payments on their phones are doing so, the lack of stores supporting mobile payments and number of phones in circulation that don’t support the technology are holding back adoption. Elsewhere we take a look at Santander’s international blockchain payments with Ripple, Judo Payments CEO Dennis Jones talks about contactless payments and The Logic Group shares advice on three ways merchants can stop themselves coming unstuck with payment data. Enjoy!

More than a quarter of those that can make mobile payments in the US are doing so, but low acceptance across stores and the number of older phones that cannot actually support payments means that paying on plastic still dominates.

Data is money; in more ways than one. Merchants are collecting customer data to develop omni-channel strategies, inform marketing and unlock new revenues. That data is also of value to more unscrupulous types too.

In this guest post, Dennis Jones, CEO of mobile payments provider Judo Payments, argues the future of payments does not lie with contactless but with mobile, driven by in-app payments.

Santander is launching a new app that lets customers make international payments using blockchain technology.