Study Group: Experts on Money Transfer from the US to Latin America Markets
Council Members in this Study Group: 42
This study group may include experts knowledgeable on commercial banking, retail banking, asset management, mortgages, consumer finance, exchanges, capital markets, transaction processing, credit cards, insurance, and business services.
Contact Gerson Lehrman Group to survey or consult with members of this Study Group
Leading institutions connect with members of this Study Group through GLG
Leading Experts in this Study Group
Ronald IngramDirector of Product Management
ADVANCE AMERICA, CASH ADVANCE CENTERS, INC.
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...
Richard BialekChief Executive Officer
Bialek GroupRich Bialek is CEO of BialekGroup, providing corporate development and strategy consulting services, partnership, market and product development, and assistance in raising expansion capital. Clients include: American Express, Capital One, Dun and Bradstreet,...
Pablo CastanoIndependent Consultant
Pablo CastanoPablo Castano is an Independent Consultant specialized in the money transfer, bill payments and money service business products industry. He is one of the few executives in the financial services industry that has the experience of having led successful...
Daniel ForkellIndependent Consultant
Financial Consulting InternationalDan Forkell is an independent consultant with Financial Consulting International, a strategic advisory firm specializing in the money transfer industry and international mergers and & acquisitions. Mr. Forkell was previously the Vice President of Mergers...
GLG NewsSM Analyses by this Study Group's Leading Experts(?)
Opinions and analyses expressed in GLG News are solely those of the author. See the Terms of Use for details.
-
The 5Cs of Credit, P2P Lending, Social Lending, Self-Directed Lending
November 11, 2009
Analysis by: Ronald Ingram, Director of Product Management,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?
-
Financial Services Innovation and New Credit Sources Impeded by Regulation in the US
April 5, 2009
Analysis by: Ronald Ingram, Director of Product Management,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 the distraction and high cost of regulatory compliance. At a time when billions are being pumped into ailing banks government needs to find a way to encourage social lending. Improved regulation may unlock a wave of new credit options and provide economic stimulus at the grass root level. Conceptually Social Lending and P2P financial models makes sense for consumers, business and the greater economic good of nations; however, the effort to wedge P2P loan models into existing regulatory frameworks continues to impede American financial innovation.
-
TALF - Implications for Credit Card Issuers
March 12, 2009
Analysis by: Richard Bialek, Chief Executive Officer ,Press Release: The Federal Reserve Board Announces the Creation of the Term Asset-Backed Securities Loan Facility (TALF) | www.federalreserve.gov
This program will be a benefit for the large credit card issuers: JP Morgan Chase, Citicorp, Bank of America, American Express, Discover and Capitol One, all of whom can position themselves as a high quality, AAA rated, source of new loans. TALF could prove to be especially helpful to American Express, Discover and Capital One, credit card issuers who lack the branch network and deposit base of the big money center banks. TALF could open up a funding source by reviving the credit card securitization market.
-
MasterCard Clouds on the Horizon?
June 4, 2008
Analysis by: Richard Bialek, Chief Executive Officer ,MasterCard "buy," target price raised | www.newratings.com
The near-term prospects for MasterCard are positive, despite a weak US economy. MasterCard is riding a trend of payment transactions moving from cash and check to card and electronic media. The challenge to MasterCard comes from potentially disruptive regulatory and technology forces that MasterCard must acknowledge and address.
-
Credit Card Deal on Target for JP Morgan and Target
May 12, 2008
Analysis by: Richard Bialek, Chief Executive Officer ,Target in credit card deal with JPMorgan | www.ft.com
The credit card deal announced between Target and JP Morgan makes sense for both parties. It allows Target to address shareholder concerns regarding its card business and mitigate potential growing credit losses. It enables JP Morgan to further develop its private label retail card strategy by taking a substantial interest in the Target portfolio, while placing limits on its loss exposure. There is protection for both parties as well as options to further extend the relationship.
Members in this Study Group include these company types:
- Money Transfer Services
- Consulting Firm
- Independent Consulting Firm
- Payment Processing
- Software & Services
- Cash Lending
Members in this Study Group often have these job titles:
- Director
- Consultant
- Chief Executive Officer
- Product Development Director
- Principal