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Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Sea Change for Western Union with Hikmet Ersek at the Helm?

June 28, 2010

Western Union to streamline its management structure, cut 175 jobs | denver.bizjournals.com

Three years ago I was alone in expressing concerns about Western Union. Since then WU has lost more than 1/3rd of its value. Recently Hikmet, WU's incoming CEO cleaned the slate, purging the old guard at WU. This may be setting the stage for the type of drastic change needed to revive innovation at this venerable old company. Hikmet has made a bold opening move - now what?

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Is Kindle a Miss for Target?

June 4, 2010

Amazon Misses Its Target | www.fool.com

The article suggests Target is late to the party with Amazon's Kindle distribution agreement. While extra distribution may help Amazon short-term the article suggests it may be at Target's expense; also, the article suggests consumers may wonder why Target is stocking older Kindles instead of iPad's or one of the many new lower cost eReaders by Sony et al.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

iPad the Kindle Killer - Undermines Amazon and Opens New Markets for Apple

June 1, 2010

Apple strikes again: Lines form for the new iPad | finance.yahoo.com

The iPad could kill Kindle and undermine Amazon ebook sales. Apple poses longterm threats to Amazon's core business with iTunes, App Store, iBook Store and potential Apple payment technology innovations already in development. Apple is well positioned to profit from payment technology innovations, digital advertising and an expansion of online "stores" and marketplaces embedded in an expanding web of apps and devices.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Facebook Is This A Face You Would Trust With Your Money?

May 26, 2010

Payvment raises $1.5 million to build shopping experiences on Facebook | social.venturebeat.com

An adage.com article speculates that a commercial Facebook market place or "shopping mall" could challenge Amazon and eBay or even incubate a new digital currency. A recent Payvment announcement indicates Facebook is making moves to become more involved in the financial life of their users but through partnerships not direct digital commerce plays.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

MasterCard Answers PayPal X with Open API

May 25, 2010

MasterCard Wants Programmers to Use Its Payment Technology | bits.blogs.nytimes.com

Last week my comments that Visa and/or MasterCard needed a competitive response to PayPal X proved to presage an article published in the New York Times retweeted to me by MasterCard this morning.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Paypal, Visa, MasterCard Threaten Western Union Money Transfer Legacy

May 20, 2010

AS LOW AS $1.50 U.S. TO SEND $300 U.S. TO COUNTRIES LIKE MEXICO | www.paypal.com

The Western Union Company has growing competition. Why pay $30 dollars or more to send money overseas when you can do it with Ebay's Paypal for as little as $0? MasterCard and Visa also have potentially disruptive remittance solutions in the works that facilitate direct instant transfer between card holders domestically and internationally in a rapidly growing number of countries.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

MasterCard Market Place - Threat to eBay, Opportunity for Apple?

May 19, 2010

Google Search Watch: MasterCard Shopping Site Takes Off | blogs.forbes.com

MasterCard has launched an online market place for MasterCard holders, called the... MarketPlace. While the name may not be original this article claims the MarketPlace is catching on. While the industry has focused on Visa's acquisition of Cybersource as a competitive response to eBay's Paypal in fact MasterCard's MarketPlace would appear to be by far the most direct competitive response. ...and a payment patent application by Apple may indicate more competition ahead.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Sudden Drop May Create Interesting Visa, Amex and eBay Trading Opportunities

May 18, 2010

Congress Drops an Axe on the Credit Card Industry | www.fool.com

Visa has dropped more than 10% in two days. More than Amex or MasterCard. Some investor sites attribute Visa's drop to potential restrictions on interchange fees.

Gordon Borrell, CEO

Gordon BorrellCEOBorrell Associates Inc 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

Mobile Advertising's Gold Rush

November 16, 2009

Mobile Advertising Set To Soar | www.mediapost.com

Mobile advertising is definitely the new-new thing, but it sounds like the hype we heard when the Web was born as a graphical interface and banner ads started appearing in 1995. Be careful -- mobile advertising isn't going to produce overnight riches. For proof, look at your own mobile device. Where are they ads? And if you see any, tell me if they're prompting you to buy anything. Timing is everything, so before you jump in, read on.

Ronald Ingram, Director of Product Management

Ronald IngramDirector of Product ManagementADVANCE AMERICA, CASH ADVANCE CENTERS, INC. 
          What is a GLG Leader?|The Gerson Lehrman Group&reg; (GLG) Leader Program<sup>SM</sup> is our premium Member Program<sup>SM</sup>. Those identified as GLG Leaders are in the top 5% of GLG CouncilRank and have an exclusivity agreement with GLG.

The 5Cs of Credit, P2P Lending, Social Lending, Self-Directed Lending

November 11, 2009

BlackRock's Fink: Forget 'Bubble' | online.wsj.com

Laurence Fink, Chairman and CEO of BlackRock Inc. in response to questions about bank failures and economic conditions suggested today that; “…the financial system needs to be a lot more responsive to society and make sure this doesn't happen again. Risk has to be a lot more transparent to investors. I think that is happening."; and, “the financial system needs change, including increased disclosure, more derivatives trading on exchanges and regulatory change…". But what about the 5Cs of credit?

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