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.
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.
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.
Is It The End of The US Consumer' s Love Affair With Credit Cards?
May 12, 2010
Inside ARM: $123 Billion in 19 Months: Credit Card Debt's Amazing Plummet | www.insidearm.com
A "perfect storm" of economic events has reversed the decades long growth in consumer credit card debt. This analysis examines the factors that led to this change and how long lived it will prove to be,
A Rebound Is Not A Recovery: Retail Still Has a Long Way to Go
May 4, 2010
The economic picture is improving and retail performance is following suit. But despite recent positive comparisons retailers, particularly in the luxury sector have a long way to go before a true recovery is in place.
Squeeze Play: The Off-Price Luxury Market Hits the Wall
April 20, 2010
There has been an explosion in growth in off-price luxury channels as new models such as Gilt, RueLaLa and HauteLook have emerged upon the scene and industry incumbents such as Neiman Marcus, Saks and Nordstrom have accelerated their own efforts. But as consumer demand grows and the supply of authentic clearance merchandise shrinks dramatic change is inevitable.
What next for Credit Cards in the US and the UK
April 9, 2010
The last 12 months have been the most regulated in the history of the credit card. These regulations including The CARD Act in the US and the recent announcements from the Department of Business Innovation & Skills in the UK are driving significant change across the industry. This article outlines the likely developments in product propositions and their impact on the future of the market.
The Mobile Data Explosion Proves Challenging
March 31, 2010
AT&T Prepares Network For Battle | online.wsj.com
As the Apple iPhone and other data hungry smartphones and 3G devices continue to proliferate, new challenges emerge in understanding and planning for mobile behavior.
Usage Based Billing Coming to Mobile?
March 26, 2010
Sprint CEO: Rate Plans Will Move From Minutes To Gigabytes | blogs.wsj.com
With the explosion of mobile data consumption, the mobile industry is exploring usage based billing. We have seen this play out in the fixed Internet market.
Opportunities For Small Banks In Today's Credit Card Market
March 8, 2010
Do small issuers have a future in the American credit card market? The market has become ever more concentrated over the last decade, as economies of scale and consolidation within the banking industry have favored size. Today the top 3 issuers (Citi, Bank of America, and Chase) account for about 60% of bankcard receivables, up sharply from 1999 when the top 3 (which were then Citi, Bank One, and MBNA) had a collective 42% market share. Where does this leave small banks?
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