Ronald Ingram

Director of Product Management, ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.

Member of the Financial Services Council

Council Member Biography

Ron Ingram is the Director of Product Management at Advance America, a cash lending firm with over 2600 retail financial locations in America. From 2002 to 2006 Mr. Ingram presided over one of the most prolific product development programs in the financial services industry at National Money Mart. Mr. Ingram is the founder of a successful North American payment processor with clients such as Sears, Paypal, eBay, TD Bank, and a rapidly growing prepaid card company. He is an active member of the World Future Society and the Artificial Intelligence Foundation and frequently provides advice on emerging payment technology, ecommerce and Web 2.0 opportunities. Over the last 15 years Mr. Ingram has designed and implemented new B2B, B2C and P2P development projects, ID verification/authentication, online P2P lending and payment systems, online auction and search engine optimization applications and lead ATM, Visa, MasterCard, Metavante, eFunds, Moneris and First Data implementations. (This is me - Update Profile)

Employment History

2006 - present: Director of Product Management, ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.
2002 - 2002: Director of Business & Product Development, DOLLAR FINANCIAL GROUP, INC.
2002 - 2006: Director of Business & Product Development, DOLLAR FINANCIAL GROUP, INC.
2000 - 2001: CEO, Solutions America
1999 - 2000: President & Founder, Beanstream Internet Commerce, Inc.
1997 - 1999: Area Manager Business Banking Services, TD Bank
1996 - 1997: Commercial Account Manager, BANK OF MONTREAL
1995 - 1996: General Services District Manager, AUTOMATIC DATA PROCESSING, INC.
1993 - 1994: Financial Advisor, Merrill Lynch
1990 - 1993: President, Gallery 1450
1987 - 1991: NCIOP, Department of National Defense

GLG News^SM Analyses by Ronald Ingram(?)

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

November 11, 2009

Analysis by:Ronald Ingram, Director of Product Management, ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.

Analysis of: 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....

Financial Services Innovation and New Credit Sources Impeded by Regulation in the US

April 5, 2009

Analysis by:Ronald Ingram, Director of Product Management, ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.

Analysis of: Where Credit Still Flows | www.forbes.com

Demand for credit has never been stronger. With government support P2P or "Social Lending" has the potential to improve the efficiency of credit markets and demonstrate US leadership in financial services innovation. The US is behind the curve in P2P lending innovation and losing ground due to thedistraction...

World's Largest Payment Processor First Data Acquires InComm - Valuation Trend Implications for Global Payment Systems GPN, MV, V, MA and TSS and hundreds of smaller payment technology players

May 2, 2008

Analysis by:Ronald Ingram, Director of Product Management, ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.

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

Visa's IPO was the largest in history and payment companies like Global Payment Sytems (GPN) and First Data are rising along with the tide. FDC’s choice of Incomm is likely a positive indicator of things to come. Who is the next Incomm? How will the Incomm acquisition affect the valuation of payment...

Depositor Panic Triggers Run on UK Bank, Over Leveraged Banks at Risk

September 17, 2007

Analysis by:Ronald Ingram, Director of Product Management, ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.

Analysis of: Police called to break-up Northern Rock panic queues as customers withdraw millions | www.thisislondon.co.uk

Police were called to manage crowds in the UK this morning as depositors lost confidence in Northern Rock and attempted to withdaw funds en masse. Depositor concerns are believed to relate to weak loan to deposit ratios and fears about exposure to subprime mortgages. Banks mentioned among...

View All GLG News ^SM Analyses by Ronald Ingram