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May 27, 2008
Discover making headway to achieving US acceptance parity
Analysis of: Moneris Solutions Signs Merchant Acquiring Agreement with Discover Financial Services | www.businesswire.com
Author: GLG Expert Contributor
Discover is soldiering away on its path to merchant acceptance parity with MasterCard and Visa in the US. Closing the acceptance gap will produce greater cardholder spend and richer interchange, thereby enriching Discover’s value proposition for third-party issuers, which in turn will enhance the value...
Art GillisMay 19, 2008
If You’re Not Happy With Your Bank’s Core System, There are 101 Solutions Offered by 32 Vendors Who Would Love to Talk to You, Maybe
Analysis of: High Five for Fiserv | online.barrons.com
Author: Art Gillis, President, Computer Based Solutions, Inc.
First, a few definitions for the sake of context clarity  -  A “solution” is any brand name system offered as an in-house system or outsource service, and driven by the owner of the system, or a third party.The group of 32 vendors includes any company that has customers that rely on that company...
Bill BradwayMay 19, 2008
First Boom, Now Bust Burns An Aggressive Banker
Analysis of: A Gamble That Went Bust | online.wsj.com
Author: Bill Bradway, Founder & Managing Director, Bradway Research, LLC
The housing bust has already made headlines from the subprime fallout, claiming dozens of mortgage banks, producing asset write offs approaching $300 billion on a global basis, and forcing many of the largest financial institutions to raise billions in new capital. Now smaller banks are going over the...
May 15, 2008
What's Old Becomes New Again
Analysis of: First Data Gets Major Retail Prepaid Distribution with InComm Deal | www.digitaltransactions.net
Author: GLG Expert Contributor
With the shake up amongst the largest U.S. credit card issuers over for the time being, it's no wonder that processers like First Data are going to be searching for new ways to leverage their network investments.  First Data built their reputation in part by holding as many pieces of the transaction...
May 15, 2008
An ATM Network Needs Independence
Analysis of: BREAKING: TRM Buys ATM ISO Access to Money for $15 million | www.atmmarketplace.com
Author: GLG Expert Contributor
It takes a very focused approach to be successful in managing an ATM network profitably! Economies of scale contribute greatly to the profitability of an off-premise, non-bank ATM network. .
May 14, 2008
Big Pond
Analysis of: First Data Gets Major Retail Prepaid Distribution with InComm Deal | www.digitaltransactions.net
Author: GLG Expert Contributor
1.  Prepaid Market is very large with no one entity in the spotlight. 2.  First Data a major leader in merchant POS Services. 3.  Market needs consolidation fast
Howard BruckMay 13, 2008
Desktop virtualization as no-brainer, nearly there
Analysis of: Desktop Virtualization Drives Security, Not Just Dollar Savings | www.informationweek.com
Author: Howard Bruck, Chief Information Officer, Hudson Valley Bank
Desktop virtualization has always been an enticing proposition, but it was never able to overcome the practical limitations, and more importantly never gained acceptance from the user base.  However, the proliferation and acceptance of browser based applications, proliferation of...
Mark MariottiApril 29, 2008
If history teaches us anything... it teaches us NOT to predict the future.
Analysis of: Is now the time to aggressively buy semi stocks, i.e. is the bottom of the cycle near? | www.edn.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
But the future can be managed. We can look at the past cycles and then extrapolate forward potential probabilities. When markets contract, they can keep contracting to oblivion. But the probabilities of markets which are infrastructure tested, tried and true, tend to rebound. Demand growth and upgrades...
Mark MariottiApril 28, 2008
Rotation continues towards Internet commerce.
Analysis of: Internet Economy Looks Strong, Some Experts Say | www.cio.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Many factors, such as; convenience,  better fraud protection, acceptance,  user interface improvements, peer reviews, dysfunctional brick and mortar stores, high transportation costs all contribute to the growth of Internet commerce. The list is very short which tracks products and services...
Mark MariottiApril 28, 2008
Trading is a transaction based model
Analysis of: TD Ameritrade 2Q profit rises 32 percent on trading activity | biz.yahoo.com
Author: Mark Mariotti, CEO, Future Management Holdings Inc
Whether markets are up or down - if a trading company such as TD Ameritrade (merged from many different trading companies and platforms), Scottrade, Schwab, Knight, etc runs their business efficiently, trade volume effect growth.Seems that towards the end (long trade exits - short...

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