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James Van DykeJune 20, 2008
There's no Downturn in the Market for Consumer ID Fraud Protective Services
Analysis of: ID Protection Startup Prepares Commercial Push | www.darkreading.com
Author: James Van Dyke, President and Founder, Javelin Strategy & Research Inc.
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...
James Van DykeJune 19, 2008
Mobile PtoP Payments: MasterCard's Partnership with Obopay Demonstrates Why This Market Deserves Attention
Analysis of: MasterCard Partners with Obopay to Offer Industry-leading Person-to-Person Mobile Payment Service | www.mastercard.com
Author: James Van Dyke, President and Founder, Javelin Strategy & Research Inc.
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...
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. .
October 16, 2007
The Key to Local Search will be in Adding Value
Analysis of: Olympics, Online Video and Local Search To Drive Global Ad Spending | publications.mediapost.com
Author: GLG Expert Contributor
People will need to be given a reason to use local search. The simple fact is that local search is, well, local... People already know their local area and can mostly find what they need on their own. The local internet search that adds value will attract the customers.
James Van DykeOctober 12, 2007
MasterCard’s inControl Announcement: this is big (UDLAP) news
Analysis of: MasterCard Joins Forces with Orbiscom to Create Innovative Platform Enabling Issuers to Quickly Launch Innovative Products and Services | www.mastercard.com
Author: James Van Dyke, President and Founder, Javelin Strategy & Research Inc.
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...
James Van DykeAugust 28, 2007
Oracle buys Bharosa: Is it primarily a financial services (vertical or IAM (identity access managment horizontal) play?
Analysis of: Oracle Buys Online Identity Theft and Fraud Detection Leader Bharosa | www.oracle.com
Author: James Van Dyke, President and Founder, Javelin Strategy & Research Inc.
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...
James Van DykeAugust 27, 2007
Could contactless lead to growth in demand for PIN?
Analysis of: Mobile, voice or finger? | economictimes.indiatimes.com
Author: James Van Dyke, President and Founder, Javelin Strategy & Research Inc.
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.
July 26, 2007
Lexmark...Going...Going...Gone?
Analysis of: Lexmark's Malfunction: This Is Not A Misprint | www.forbes.com
Author: GLG Expert Contributor
With Lexmark's stock price plummeting and it's continued slashing of margins, their business model seems hopeless. While corporate America embraces Lexmark for their low price corporate workgroup offerings, buying "throw away" printers is not a sustainable market. They have a tough road ahead of them,...
James Van DykeJune 27, 2007
Payment cards: uninterrupted service good when intended, bad when unintended
Analysis of: MasterCard to Enable Cardholders to Keep Account Numbers When Switching Card Programs | www.webwire.com
Author: James Van Dyke, President and Founder, Javelin Strategy & Research Inc.
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.
June 6, 2007
Newspapers will benefit From Google Print Ads in the Long Run - BUYER BEWARE
Analysis of: Frienemy Google Not a Threat (Yet) to Traditional Ad Sales | www.pbs.org
Author: Deborah King, Former Media Manager of Marketing and Planning, Mervyn's, LLC
Google Print Ads introduces yet another source for smaller marketers to play with the Big Boys, but Buyer beware. For the short term, this offering is beneficial to the Newspapers but needs some fine-tuning for small advertisers to benefit. It is essential for the Newspaper Industry to embrace the diversification...

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