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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.
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.
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.
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
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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E-Insurance: When will the insurance industry adopt modern communication tools?
February 14, 2012
ATMs could distribute prepaid Visa cards
January 23, 2012
PayPal can thrive as a standalone company
January 9, 2012
Europe's CO2 Emissions Trading System works, but it can be improved
December 16, 2011
European women wonder why their insurance premiums will increase
December 15, 2011