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Trends in the Merchant Banking Industry in US

July 31, 2010

There are a number of interesting trends I would like to share with you that are currently impacting the merchant/credit card processing industry:Threats and opportunitiesSources of growth/emerging trends Potential strategic evolutionCompetitive positioningDisruptive technologies: (Alternative Payments)

Settle and do not fight a rigged battle

May 3, 2010

Analysis of:Goldman Sachs: The $64,000 Question | seekingalpha.com

Settlement is in the best interest of both parties ahead of regulatory reform.

Overdraft and Payday Loans - Where is the Consumer Credit?

April 7, 2010

Analysis of:2009 Overdraft and Payday Loan Analysis - Where is the Consumer Credit | bretton-woods.com

New disclosure guidelines provide financial institutions with a road map to improve the way they do business by: Reviewing underwriting policies and procedures.Reduce exposure to high risk clients.Generate fee income.Extend overdraft protection to low risk depositors and retain consumers with good credit.Provide same day credit for low risk deposits

De-clogging the grid log is the key in Rescuing the Residential Real Estate

March 13, 2010

Analysis of:How to Successfully Rescue Residential Real Estate | seekingalpha.com

Outsource the process to third parties who are willing to assume the liability and have a vested interest in making the process work. Examples include: Real Estate firms who can take a stressed property before it is vandalized and manage a structured sale.Have a process in place to restructure real estate debt. Outsource to private equity firms.Have a policy in place to return phone calls on a timely basis and resolve issues.Have a structure in place to fastrack direct to consumer sales.

Mobile phones replacing credit cards is a solution in search of a problem....

June 20, 2008

Analysis of:Mobile phones to replace credit cards | www.bankingtimes.co.uk

Have you heard of the saying "stick to your knitting"? Well the concept cannot be more fitting than reading the concept that mobile phones would replace credit cards. I can see a transfer of funds from one account to another. However replacing credit cards for payment of goods will not come to fruition for the following reasons: a) Interoperability; I can take my Credit card anywhere in the world and it will work. Not so likely with a mobile phone. b) Consumer disputes are easily handled with credit card companies. Disputing a point of sale transaction conducted by a mobile phone is very tricky. c) The mobile phones are not as reliable as plastic cards. How often do you find yourself rebooting a phone? Mobile phone companies have attempted to disintermediate payment cards for the past decade with no tangible results. Just look the multiple at which payment card companies trade on the New York Stock Exchange compared to the telecommunication industry. Investors know the value.

Effective Acquisistion Tool for Netspend and Metabank

June 16, 2008

Analysis of:Netspend, QC Financial enter agreement for prepaid debit cards | www.atmmarketplace.com

a) This is creative and effective acquisition tool for Metabank and Netspend. To have a more effective awareness program, it is important that all 596 QC locations participate. Having 90% participation provides a confusing message to the consumer. You are forcing the end user to find a participating location.

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