All GLG News Analyses Filed Under: Transaction & Payment Processing

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 3/4s of the wholesale distributors and free up most of the newstand shelf space. Hence newstands will follow the path of newspapers...gone.

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 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.

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).

Is Discover’s Acquisition of the Diners Club Network a Good Thing?

July 23, 2008

Analysis by: GLG Expert Contributor

Analysis of:Discover Completes Diners Club Acquisition | dealbook.blogs.nytimes.com

Discover's acquisition of the Diners Club global network could greatly improve Discover's merchant acceptance.  However, there are major technical and operational hurdles involved in integrating the two networks.

MasterCard removes Amex suit overhang

June 30, 2008

Analysis by: GLG Expert Contributor

Analysis of:Amex to Get $1.8B in MasterCard Deal, Warns of Credit Woes | www.americanbanker.com

While MasterCard arguably will pay American Express too much, the settlement removes a troubling overhang.   It is time for MasterCard and Visa Inc. to focus their energies on fending off a potentially far more damaging threat: the “Credit Card Fair Fee Act of 2008.”

James Van DykePresident and FounderJAVELIN STRATEGY & RESEARCH INC.

There's no Downturn in the Market for Consumer ID Fraud Protective Services

June 20, 2008

Analysis of:ID Protection Startup Prepares Commercial Push | www.darkreading.com

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 to higher revenues. Key companies include Affinion, CardCops, Debix, Experian, Equifax, Fair Isaac, Lifelock, TransUnion, TrustedID, and more.

HP is following IBM game, ten years later!....

June 20, 2008

Analysis by: GLG Expert Contributor

Analysis of:HP to Acquire EDS for $13.9 Billion | www.hp.com

Finally HP is  doing the move to strenghten its service business. Hardware margins have fallen and services + software margins are high IT outsourcing is a huge business and provides the finantial stability in the long run.  Margins are good as well.  So HP is getting away from mainly "hardware revenue"

Mark MariottiChief Executive OfficerFuture Management Holdings Inc

Hardware & Software Duality

June 19, 2008

Analysis of:HP to Acquire EDS for $13.9 Billion | www.hp.com

HP is a long time solid provider of computer hardware, and EDS (founded the information technology out-sourcing industry more than 45 years ago) is a longtime provider of system services. The Plan of Merger, dated as of May 13, 2008, by and among EDS, Hewlett-Packard Company and Hawk Merger Corporation, under which EDS would be acquired by Hewlett-Packard Company appears to merge two very strong technology companies into one   diversified technology giant.

Effective Acquisistion Tool for Netspend and Metabank

June 16, 2008

Analysis by: GLG Expert Contributor

Analysis of:Netspend, QC Financial enter agreement for prepaid debit cards | www.atmmarketplace.com

a) This is creative and effective acquisition tool for Metabank and Netspend. To have a more effective awareness program, it is important that all 596 QC locations participate. Having 90% participation provides a confusing message to the consumer. You are forcing the end user to find a participating location.

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