GLG News by Mr. James Van Dyke MBA, President and Founder

Analyses are solely the work of the authors and have not been edited or endorsed by GLG.

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The value of acquisitions like this can be predicted by Javelin's CDA model

July 27, 2009

Oracle To Buy Data Integration Vendor GoldenGate | www.informationweek.com

IT acquisitions are common, and there's an easy-to-use model for predicting when the optimal value exists. 

Fidelity National INfo Svcs' acquisition of Metavante: Competition for Fiserv/ORC/iPay, Opportunity for Acquisition of Risk Management Companies such as ID Analytics or Early Warning

April 2, 2009

Consulting Management Platform | www.fidelityinfoservices.com

-Growth in electronic payments -Competitive pressure in financial services and payments systems -M&A activity in risk management

There's no Downturn in the Market for Consumer ID Fraud Protective Services

June 20, 2008

ID Protection Startup Prepares Commercial Push | www.darkreading.com

This article focuses on one of many startups in the consumer protective services space, as evidence of an "evergreen" market category. Current challenging economic times make investment in this ID Fraud sector a natural, and desperate times could actually bring about increased criminal activity leading to higher revenues. Key companies include Affinion, CardCops, Debix, Experian, Equifax, Fair Isaac, Lifelock, TransUnion, TrustedID, and more.

Mobile PtoP Payments: MasterCard's Partnership with Obopay Demonstrates Why This Market Deserves Attention

June 19, 2008

MasterCard Partners with Obopay to Offer Industry-leading Person-to-Person Mobile Payment Service | www.mastercard.com

Mobile PtoP payments are a disruptive technology that must be monitored by financial industry investors, because it requires no hardware infrastructure change, and can be adopted by consumers today to send payments between individuals. All leading payments brands, banks, and processors could be affected by growth in mobile PtoP payments, and Javelin's research data shows that this is a technology that consumers are ready for now. With much focus on interchange fee and bank profitability, the potential for mobile PtoP payments to change payments-fee models is important to monitor.

MasterCard’s inControl Announcement: this is big (UDLAP) news

October 12, 2007

MasterCard Joins Forces with Orbiscom to Create Innovative Platform Enabling Issuers to Quickly Launch Innovative Products and Services | www.mastercard.com

Cardholders crave the ability to control which transactions are allowed to occur in their accounts, as well as which specific transactions, channels and thresholds are used to alert them of specific activity based on conditions they have set in advance. These capabilities may go beyond just preventing fraud losses, but also may have a big impact on which card consumers decide to use or what new account they will apply for in the future.

Oracle buys Bharosa: Is it primarily a financial services (vertical or IAM (identity access managment horizontal) play?

August 28, 2007

Oracle Buys Online Identity Theft and Fraud Detection Leader Bharosa | www.oracle.com

Consumers should have more control in how their identity information is used. In financial services and payments, the trick is to bridge the islands of identity directly from the core processing systems or payment account record out to notifications and controls that securely and conveniently reside in the hands of the authenticated customer.

Could contactless lead to growth in demand for PIN?

August 27, 2007

Mobile, voice or finger? | economictimes.indiatimes.com

Many consumers are neutral on contactless as being a security threat. This makes security a barrier that contactless needs to get over in order to enhance adoption. This barrier may lead to more cardholder interest in PIN for both credit and debit cards.

Payment cards: uninterrupted service good when intended, bad when unintended

June 27, 2007

MasterCard to Enable Cardholders to Keep Account Numbers When Switching Card Programs | www.webwire.com

Having uninterrupted service is good because consumers can continue to make transactions even when switching to a new card. Although, having uninterrupted service can also be bad because it allows all transactions to continue, even those that we may not desire.

What Adam Smith foretold about TJX in 1776

April 22, 2007

Data Theft Doesn't Slow Sales for TJX | www.forbes.com



Consumers lack perfect information about the security of their personal information at retailers, banks and other firms

Companies (such as TJX) can suffer from significant problems (such as the largest recorded data breach in history) and still post record profits, as long as consumer’s lack “perfect information” upon which to act on their very, very clear intentions.


Computerworld: ID theft threats have surged 200% since Jan. 1

March 28, 2007

ID theft threats have surged 200% since Jan. 1 | www.computerworld.com

Traditional ID crimes (those committed involving mail theft or committed by perpetrators who are "close to" the victim) will always have higher attack-to-success ratios.

Staying off the internet does not necessarily mean you are not subject to online-caused risks.

The key to safety is to protect yourself online (Use Anti-Virus, Anti-Spyware, Firewalls, etc.) and offline by choosing to receive paperless statements and shredding sensitive documents. 

More Noise on Capitol Hill: B of A’s LA County Pilot Program

March 13, 2007

Bill would ban credit cards for illegals | www.bizjournals.com

Latinos, especially recently arrived people, are hesitant to engage in a banking relationship, oftentimes due to mistrust of the system or lack of formal banking experience in their home countries.

Bank of America is not trying to implement an illegal program, they are targeting a demographic with a product that could appeal to their banking needs.

Legislators are fussing over nothing and using fear to enrage consumers and create a lot of noise.

European countries seek to effectively ban free email accounts

February 28, 2007

Europe May Ban Giving False Info Online | redmondmag.com

Making it illegal to provide false information online would likely be the end of free email accounts.

Introducing this law will make it more difficult for people to use the internet anonymously.

Having correct information about an internet user can help companies with targeted marketing, cross-selling, loyalty, and security initiatives with their customers.


Contactless: real or theoretical risk?

December 6, 2006

Researchers See Privacy Pitfalls in No-Swipe Credit Cards | www.nytimes.com

-Privacy risk may be low with contactless cards
-More research is required before jumping to high-risk conclusions

Experian’s business credit monitoring: a great idea

December 6, 2006

Experian Smart Business Reports | www.prnewswire.com

-Small businesses should use a credit monitoring service such as that offered by Experian
-Experian has demerged from the GUS (in the UK)
-Hopefully this will allow Experian to be more consumer friendly

The Secret Masterplan Behind Google Checkout

September 29, 2006

Googles Corporate Mission Statement | www.google.com

1-Googles plan of becoming payment acquirer/issuer
2-Googles potential to compete with other payment acquirers/issuers.

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