All GLG News Analyses Filed Under: Transaction & Payment Processing

Nothing is Risk Free: Reaction to Visa (V) and MasterCard (MA) earnings reports

November 7, 2009

Analysis by:GLG Expert Contributor

Analysis of:  2nd UPDATE: Visa Swings To 4Q Pft; Announces $1B Shr Buyback | online.wsj.com

Very real risks to both Visa and MasterCard are often glossed over by analysts. It is flawed to assume that their business is immutable and “risk free.” Both companies need to anticipate new market entrants and continue to evolve and innovate. Very real competitive threats abound.

Helping retailers earn more profit on their most profitable transactions?

October 19, 2009

Analysis by:GLG Expert Contributor

Analysis of:  Interchange Fees Step Into the Spotlight | online.wsj.com

Sensing an opportunity to benefit from anti-banking sentiment in Washington, the National Retail Federation and other retailer lobbying groups have intensified their efforts against the payments industry. Retailers have skillfully cloaked their agenda to reduce the cost of accepting credit card payments...

PIN Debit on the Internet will spell the demise of Signature Debit

August 10, 2009

Analysis by:GLG Expert Contributor

Analysis of:  Debit Cards in Use to Reach 5.2 Billion By 2012, According to New Report by Global Industry Analysts, Inc. | www.prweb.com

Signature debit remains a payments alternative only because there still is no PIN debit product on the Internet. Also playing into the picture is that Issuers prefer Signature Debit due to higher Interchange rates. On the otherhand, merchants, acquirers, and consumers are in favor of PIN Debit.

United Tells Travel Agents to Cover Credit Card Fees

June 24, 2009

Analysis by:GLG Expert Contributor

Analysis of:  United To Shift Card Costs To Agencies | hudsoncrossing.blogspot.com

How widely adopted will this change be? What will the effect be on consumers? On OTAs?  On the airline industry?

Retailers step up the demagoguery in anti-interchange campaign

April 14, 2009

Analysis by:GLG Expert Contributor

Analysis of:  Retailers, consumers squeezed | www.washingtontimes.com

Retailers are waging a no-holds barred campaign seeking government regulation of card acceptance fees and interchange. A barrage of advertising and inflammatory op-ed pieces such as “Retailers, consumers squeezed” make a revival of the “Credit Card Fair Fee Act” later this year more likely. If it or...

James Van Dyke, MBAPresident and FounderJAVELIN STRATEGY & RESEARCH INC.

Fidelity National INfo Svcs' acquisition of Metavante: Competition for Fiserv/ORC/iPay, Opportunity for Acquisition of Risk Management Companies such as ID Analytics or Early Warning

April 2, 2009

Analysis of:  Consulting Management Platform | www.fidelityinfoservices.com

-Growth in electronic payments -Competitive pressure in financial services and payments systems -M&A activity in risk management

Distribution Cost Model for Discretionary Reading Is Broken

March 26, 2009

Analysis by:GLG Expert Contributor

Analysis of:  The Newstand Mess; alternatives to the 7-cent solution | www.seyboldreport.com

Wholesale distributors are paid as a percent of newstand (retail) sales. Revenues are not their cost drivers! The "push" of Publishers and "pull" of retail newstands are in conflict with one another. The wholesale distributor is squeezed by both "clients." Kindle e-book concept will eliminate 3/4sof...

Richard BialekChief Executive Officer Bialek Group

TALF - Implications for Credit Card Issuers

March 12, 2009

Analysis of:  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...

Joe WeingartenExecutive DirectorMacintosh Reseller Association

What is going wrong at eBay?

January 22, 2009

Analysis of:  American Express, First Data agree on payment process pact | www.marketwatch.com

As the economy slows you would have to assume that people would want to sell Grandma's antique green glass collection and on the other side of the coin people would want to buy at a bargain products. Could it be that eBay is hurting themselves.

Is JP Morgan Chase about to begin a new start with payments processing?

September 16, 2008

Analysis by:GLG Expert Contributor

Analysis of:  JP Morgan Chase to bring payment systems back in house | www.cio.co.uk

JP Morgan Chase and First Data decided to split up after having a joint venture for payments processing. JP Morgan Chase probably is convinced that the execution on their own will offer more opportunities (i.e. driving cost down).

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