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Retailers do not need private cards

July 20, 2009

Analysis of:Card Fees Pit Retailers Against Banks | www.nytimes.com

Retailers must focus on selling goods and services and allow the numerous financial institutions to manage credit & debit for the consumers. Closed loop credit is not an impact on net new sales and normally will not drive the large ticket purchases as most consumers do not require more credit in order to make a purchase. There are a myriad of opportunities to offer bank branded cards that provide identity and financial wealth sharing. Uncrowd the market.

Big Pond

May 14, 2008

Analysis of:First Data Gets Major Retail Prepaid Distribution with InComm Deal | www.digitaltransactions.net

1. Prepaid Market is very large with no one entity in the spotlight. 2. First Data a major leader in merchant POS Services. 3. Market needs consolidation fast

Oh My ! No More Regulations

April 10, 2008

Analysis of:Interchange act coming back stronger | www.greensheet.com

1. Free Market at Jeopardy 2. Merchants want everything free 3. If it costs to much, eliminate acceptance Merchants have groaned for years about interchange rates though they have benefited from the billions of invested dollars to manage risk offered by the card associations and their member banks. The cost of acceptance of Visa & MasterCard is less than their own private label brand offering and cash payments. It is a solid agrument to streamline and take the massive confusion out of the various rates and conditions, so let there be a forum to work out the details between the parties and eliminate having the US Congress involvelment.

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