"It's no secret that a new generation of technology-enabled competitors -- both new companies such as Square or Dwolla and familiar players such as Google, PayPal and Walmart -- are shaking up the financial services business and attracting customers who aren't finding what they need from traditional banks.

But new research from Accenture suggests this upheaval is more extensive and happening more rapidly than many in banking may have thought. And the efforts banks are putting into efficiency, productivity and stronger financial performance, while essential, are not enough to stem the tide." Continue Reading

Retail Banking Predictions & Trends For 2013
"While The Financial Brand refrains from making any kind of annual forecast of trends in retail banking, there’s no shortage of experts weighing in with their predictions and resolutions for next year. What are some of the major themes that will dominate 2013? Here’s what they have to say."

Mobile Banking: Bigger Than I Thought…
"An early adopter of my bank’s mobile app, I have to admit that I really am not what you would consider a ‘power user’. While I enjoy the convenience of checking account balances from my iPhone, I really have not taken advantage of all of the features and services now available, which is somewhat surprising since I despise the process of visiting a bank, even to use an ATM."

Mobile banking to hit 1B users by 2017: study - Mobile Commerce Daily
"Mobile banking is expected to grow at a global compound annual rate of 18 percent to eventually reach one billion consumers in the next five years, according to a new study from Juniper Research. Juniper’s “Mobile Banking: Handset & Tablet Market Strategies 2013 – 2017” report looks at how mobile banking is spreading in both developed and underdeveloped countries. Overall, the report points to the growing maturity in the space over the past year."

Corporate Mobile Banking Offers On-the-Go Management Control System, But Enterprises Remain Wary
"Both banks and commercial enterprises tend towards caution when dealing with mobile banking for corporate transactions. This, despite online corporate banking offering executives "anytime, anywhere" management control functions, including viewing cash position in near real-time, approving payments and receiving alerts. Global Information Inc (GII) presents highlights from new market research on corporate mobile banking from our premium research partner Mercator Advisory Group, Inc. These reports individually and collectively offer valuable insights on the direction of the payments industry, both in relation to online corporate banking and out into extended applications of the technology."

Do What You Do: Capital One Touts Mid-Mobile Banking Multitasking
"The flurry of mobile banking ads lately is no accident. Just like every other business, banks have figured out that consumers are on the go — and connected — all the time. Banks are already scrambling to get their piece of the mobile payments market, and now mobile banking apps are the latest new thing. A slew of campaigns are featuring the ease of mobile banking, with banks such as Barclays expanding mobile. Bank of America says, 'Life is mobile. So is your bank.' Chase calls mobile banking, 'The power of Chase in the palm of your hand.'"

Mobile banking demand drives app development innovation
"Barclays bank says its decision touse private cloud and Linux will help it cut development costs and compete in the mobile banking sector. This year banks will invest in mobile banking platforms as the business case for these investments becomes easier to make in the light of increasing demand. Over a billion people will use mobile handsets to access banking services by the end of 2017, according to the results of a study by Juniper Research."

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Dell today introduced the Dell Mobile App for Android, a dual-purpose shopping and support application that helps people quickly and easily find the right solutions to pursue their personal passions.

The introduction of the Dell Mobile App -- available for download now from the Android Market or by typing www.dell.com/appdownload into the browser of any Android mobile device -- reflects the company's commitment to expanding the reach of Dell.com, a trusted hub for information and stellar support. >> Learn More

Exceeding Consumer Expectations with Innovative “On the Go” Mobile Strategies and Payment Technologies

Why Attend The 2nd Mobile Commerce Conference?

In today’s competitive market amid the recovering economy, the primary challenge for marketing, eCommerce, and emerging platforms leaders has become what makes your organization stand out among the "on the go" crowd? The key strategy to creative a competitive advantage in this type of dynamic environment is providing a comprehensive mCommerce experience that goes beyond that of the traditional in-store and eCommerce channels. >> Learn More

Mobile Shopping Spring
April 27th-29th
San Francisco, CA
Click to Learn More

Speakers:
Jay Scannell - SkyMall, Inc.
Howard Gefen - Amazon.com
Ian Klassen - Zappos
Sharon Knitter - Cars.com
Andrew Koven - Steve Madden
John Lazarchic - PETCO Animal Supplies Inc
Jennifer McClain - Chico’s FAS
Jared Miller - United Airlines
Archie Miller - Crutchfield Corporation
Darren Cross - Fandango
Alyssa Montes - The Wet Seal
Marc Parrish - Barnes & Noble
Sebastian Pawlowski - Amtrak
Nick Sheth - Gap Inc. Direct
Sean Spector - Gamefly
Deepak Thomas - eBay
Danielle Wolfson - Taco Bell
Steve Yankovich - eBay Mobile
Mike Dupuis- American Eagle Outfitters (Former)

Following hot on the heels of the inaugural Mobile Shopping Summit which ran in New York in October 2010, Mobile Shopping SPRING 2011 answers the essential roadmap development, platform design and channel strategy questions you have while moving the conversation forward to discuss which elements of the customer lifecycle are being positively impacted through mobile – whether that’s reach, acquisition, conversion, retention or loyalty.

Whether your customers are looking to find your nearest store, assess product reviews, access detailed product information, compare prices, and increasingly, irrespective of order value, securely make a purchase, share with a friend and receive special offers/ coupons they are generally looking to make their interaction with you richer, simpler and more customized, when and where they want.

But how can you provide clarity for all stakeholders over where your technology and marketing budgets and time will be best spent today, especially as it relates to all the other opportunities that need to be considered?

The Mobile Shopping Spring 2011 agenda has been developed to ensure you have the right framework, checklists and supporting evidence to help you define which investments in mobile will make the most sense as part of your overall marketing strategy, loyalty and engagement programs, prospecting activities and sales drives and how that’s integrated with all other channels – bricks and mortar, online, catalog and social. Presentations and panel sessions will remain focused on the tangible ‘how to’ and use cases for mobile.

Click to Learn More

Disclosure: I will be speaking at the Mobile Shopping event and the conference is covering a portion of my travel related expenses.

Learn how you can develop and drive your mobile strategies to engage your customers anytime, anywhere. Join the Mobile Shopping Summit and be among the retail leaders paving the way for mobile commerce to take off. Hear Best-in-Class presentations and demos in the Mobile App Forum from industry trailblazers

Click Here to Sign up Now

Speakers Include:

Baron Concors - Pizza Hut

Andrew Koven - Steve Madden Ltd

Tom Davis - Kenneth Cole

Rob Gelick - CBS Mobile

Stephanie Broccum - Rue La La

Baris Cetinok - Amazon Payments

Jim Hilt - Sears

Kevin Ranford - 1-800-FLOWERS

Jay Scanell - Sky Mall

Ed Deutscher - HSN

* Don’t have a mobile strategy yet? Hear everything you need to know about setting up your mobile store. Hear the 101 on Mobile.

* Already deployed a mobile app or mobile site? Learn how you can optimize your mobile channel to enable and encourage mobile shopping.

* Want to know how you can best monetize the mobile channel? Hear success stories about how the mobile store drives acquisition, loyalty, and sales revenue.

* Need to talk about your challenges in driving your mobile channel? Sit down with your peers and industry experts in a more intimate and casual setting to share best practices and tactical solutions through:


Disclosure: I will be speaking at the event and the conference will be covering a portion of my travel related expenses.

Mobile Professionals:

Dell is looking to grow the mobile team. If you meet the required qualifications and you're interested in being considered for the position please send your resume to brandon_mcgee@dell.com

E-business Senior Consultant

GENERAL SUMMARY
The Consumer & Small Business online Mobility & Downloads team is responsible for developing innovative programs to enhance the user experience and improve business performance for consumer and SMB mobility & download customers globally. As a member of this team, the Online Mobility Senior Consultant will manage m-commerce integration and strategy globally.

PRINCIPAL DUTIES AND RESPONSIBILITIES
The Online Mobility Senior Consultant will be responsible for the dell.com customer experience on small screen devices. This includes mobile commerce site integration with Dell IT applications, evaluating & improving mobile commerce vendor performance, expanding mobile commerce globally, and integrating mobile commerce with Dell’s small screen device strategies. Responsibilities include:
• Implement m-commerce on Dell.com for a best in class user experience.
• Responsible for managing program schedules, beta roadmaps, deployment plans for m-commerce
• Responsible for measuring financial impact of assigned programs and implementing improvement and stabilization plans if programs are not meeting forecasted results.
• Responsible for working with product management org to ensure business requirements are given & understood
• User Acceptance Testing including creating test cases, executing UAT, providing feedback, and re-testing after fixes.
• Coordinate deployment of launches with regional stakeholders, vendors, IT, legal and other partners to ensure successful launches.
• Work globally to change processes based on new programs deploying.
• Incubate new programs until regional team hand off occurs.
Qualifications
SKILLS
• Strong grasp of the online/eCommerce space & mobile commerce
• Graduate or post-graduate degree, preferably in business or marketing communications
• At least 3+ years in relevant mobile programs & or m-commerce experience. 7+ years work experience.
• Proven strategy setting and implementation success.
• Strong project-management and problem-solving skills
• Excellent written and verbal communication skills
• Strong organizational agility and interpersonal skills; ability to work independently, quickly and thoroughly under multiple deadlines
• Strong eye for detail and organization as well as the ability to focus on the “big picture”
• Must be flexible and possess the ability to balance the management of multiple projects simultaneously

On May 10th I announced that I had accepted a new position, but had not yet started and therefore could not share the details. Well, today I am proud to announce that I have joined Dell.

In my new role as a Mobile Strategist I’ll be working to develop and implement a mobile commerce strategy for the CSMB Team (Consumer and Small-Medium Business).

In case you haven’t seen the news this is a very exciting time at Dell.

Here’s a brief timeline of recent events:
• March 22 - AT&T announced that they would soon begin selling the Dell Aero.
• April 7 - Dell's Mobile Activation Center Goes Live!
• May 13 - Michael Dell teased the crowd with the Streak at Citrix Synergy

Check out these links to learn more about the Dell’s new mobile products and services.

1) Learn more about the Dell Aero

2) Dell streak tablet entices people to watch, surf, connect, listen, and play

3) Dell Mobility Portal

4) m.dell.com

"Target guests no longer need to carry their Target GiftCards in order to redeem them, thanks to the innovative Target Mobile GiftCard.

By taking advantage of Target’s mobile technology, any guest, tech-savvy or not, can save GiftCard information to a PIN-secure account on the Target.com mobile site. All that’s needed is a mobile phone with Internet capabilities,* which a guest can use to retrieve GiftCard barcodes for scanning at checkout.

Guests may access their Target Mobile GiftCards to add value at store registers, and check GiftCard balances at any time via the Target.com mobile site. In addition, Target Mobile GiftCard functionality allows guests to save multiple GiftCards to their account and label each one for easy reference." >> Continue Reading

Verizon Backs Android
"A year after Google introduced its Android operating system on T-Mobile, the smallest of the major wireless carriers in the United States, it announced a deal to offer handsets with Verizon Wireless, the nation’s largest carrier. The carrier said Tuesday it expects to introduce two Android phones this year. It didn’t name the manufacturers, but one is expected to be made by Motorola. In addition, Verizon and Google said they would work together along with manufacturers to design handsets specifically for Verizon’s network."

Will Bank of America Propel Mobile Deposit to Mainstream?
"Bank of America Corp. is planning to test a service that would enable customers to deposit checks electronically with mobile phones, a move that could transform a niche application into a mainstream offering. B of A is not the first to offer mobile remote capture to consumers, but when the anticipated test kicks off this year it will almost certainly be the biggest, and that kind of market clout could prompt other banks to follow suit, according to analysts."

Mobile Wallet: Can your phone replace your wallet?
"Whether scanning a cell phone to purchase a bullet train ticket in Japan or buying cattle in sub-Saharan Africa, the ubiquity of mobile phones is revolutionizing traditional banking and commerce. Gartner estimates by the end of 2009, 74.4 million people will use mobile devices to purchase goods and services worldwide, and will double by the end of 2012 . DoCoMo's Japanese consumers have been buying mass transit tickets and vending machine goods via cell phones for ten years."

Amazon launches mobile payment service
"Amazon Payments today launched a new service that brings the company's payment processing tools to mobile devices. Amazon Mobile Payments Service (MPS) includes a set of APIs (application programming interfaces) that allow mobile developers and merchants to provide payment options to their customers within mobile Web sites and applications--including the convenience of Amazon's 1-Click checkout system."

The Mobile Payment Conundrums: To Chip, To Store, To Bank?
"The payment strategy struggles for Mobile-Commerce continue, with retail IT execs seeing the phone as a future “Get Out Of Interchange Jail Free” card in an elaborate game of Card Brand Payment Monopoly. Some see future secure chip-integrated phones as the answer, a way that moves payments away from Visa and MasterCard and permits a secure way to tap directly into a consumer’s bank account."

Exclusive: Dell’s Android phone is coming to the U.S.
"Remember the Dell Mini 3i, Dell’s China-only Android phone? Well it’s not China-only anymore. Rumor has it that Dell will bring the Mini 3i to the U.S. in the next few months to compete with other Android phones coming down the pike from HTC, Samsung, and Motorola. The phone, presumably still in its Chinese trade dress, felt “cheap and plasticky, like the Pre,” according our tipster. He believes it will be upgraded for the American market."

Eye on Opportunities in Expedited Bill Pay And Mobile Banking
"Two research reports released on Wednesday point up emerging opportunities in mobile banking and same-day bill payments, particularly for financial institutions. Banks and billers alike will have to be careful how they price so-called expedited bill payments, or those electronic payments that post with billers on the same day. These 11th-hour payments, which consumers typically make to avoid stiff late fees, now carry an average fee to the consumer of 8ドル.18, according to Pleasanton, Calif.-based Javelin Strategy & Research, which released its 2009 Expedite Payments Forecast report."

Citi the first to launch mobile banking functionality in Spanish
"Citibank announced the launch of Citi Mobile en Espanol that allows customers with Spanish language preferences bank in this language from their smartphones. Customers can manage their accounts, pay bills, locate Citibank branches and more - all from the convenience of their cell phones. Citibank is the first major U.S. bank to offer mobile banking in Spanish."

It's safe to use your phone for banking, experts say
"When I'm out shopping, I often check my account balances with my cell phone to avoid possible overdrafts. I access my account information through my phone's Web browser or send a text message to my account to get my balance. Like many people, I have become so accustomed to using my cell phone for just about everything that I didn't think about any security risks linked to mobile banking. But it got me wondering: Am I putting my financial security at risk by accessing my banking information with my phone?"

I'm proud to announce that I'll be participating in the Mobile Financial Services Congress. The event will be held in Miami, Florida on December 2nd-3rd.

Mobile Financial Services Congress 2009 will bring together the industry leaders and early adopters to share their experiences of developing mobile financial services platforms. Occurring at a critical time for the industry, as many institutions are poised to enter the market, and the industry as a whole prepares for a concerted push to further drive adoption. The Mobile Financial Services Congress offers essential insights on successful strategies for launching and developing a full service mobile offering. >>View the Mobile Congress Website

The speakers that have committed include:

Armin Ajami - Wells Fargo
Jeff Dennes - USAA
Rob Rankin - Fifth Third
Ginger Schmeltzer - SunTrust
Carl Synder - Zions Bank

Other links:
Learn about the Agenda
Register Now

FTC Disclosure: As an event speaker the conference has offered to cover a portion of my travel related expenses.

The power of mobile money
"ONCE the toys of rich yuppies, mobile phones have evolved in a few short years to become tools of economic empowerment for the world’s poorest people. These phones compensate for inadequate infrastructure, such as bad roads and slow postal services, allowing information to move more freely, making markets more efficient and unleashing entrepreneurship. All this has a direct impact on economic growth: an extra ten phones per 100 people in a typical developing country boosts GDP growth by 0.8 percentage points, according to the World Bank. More than 4 billion handsets are now in use worldwide, three-quarters of them in the developing world (see our special report). Even in Africa, four in ten people now have a mobile phone."

How Mobile Technology Is Changing Banking's Future
"Recent technological developments that allow for deposits by iPhone and mobile payments could one day make ATMs as quaint as brick-and-mortar bank branches. But the biggest impact may be on the ability of banks -- and even nontraditional players such as Nokia -- to find new revenue streams as they branch into emerging markets where cash is still king."

Mobile Coupons Interest More Merchants
"In an article in DMNews, Dianna Dilworth reports on JCPenney's pilot program for mobile couponsin the Houston area. Using the coupons presented on their mobile phones, consumers earn discounts on purchases. For its program, JCPenney is using San Jose-based Cellfire to manage the mobile coupon efforts."

Mobile-Phone Banking: Convenient and Safe?
"With the introduction of an iPhone app that lets you deposit a check by taking a picture of it, options for mobile banking are growing rapidly. And though you might think the boost in convenience comes at the expense of security, banking on your cell phone can actually be safer than using your PC if you take basic precautions."

Harland Financial Solutions Adds New Options to its Mobile Banking Suite
"Expanding upon its current mobile banking offerings, which consist of stand-alone and Internet banking-integrated retail and business solutions, Harland Financial Solutions today announced the release of Cavion® Mobile Banking SMS, as well as a mobile banking module optimized for the Apple® iPhone®. Cavion Mobile Banking SMS allows consumers to conduct account inquiries via text messaging by sending simple commands, such as “BAL” for balance. Cavion Mobile Banking SMS enables consumers to access account balances, history, rates, important information, news and tips for using the service."

Here are screenshots of the application. Sorry for all the hype but this is a combination of two favorites...Starbucks Coffee and Mobile Commerce! >> Continue Reading

Drew Sievers and Bob Egan were discussing a BIG announcement on Twitter this morning. The news...mFoundry has build a mobile commerce application for Starbucks!

"Your decaf caramel macchiatos and no-whip pumpkin spice lattes are going mobile. In a double-shot launch (sorry), coffee giant Starbucks unveiled Tuesday its first two iPhone apps. The first one, called MyStarbucks, is a no-brainer: you can use the phone's GPS capability to find nearby stores (previously, this was available via text message), search ingredient and calorie information for Starbucks beverages and coffee bean varieties, and "build" virtual drinks to see what exactly would be in one if you ordered it.

But it's the second app, called Starbucks Card Mobile, that could be worth a double-take. The app allows for balance check and refilling of Starbucks gift cards, which the company has expanded into a customer loyalty program by offering discounts, free refills, and two hours of free Wi-Fi to cardholders. And in two experimental test markets, the Starbucks Card Mobile application can use a barcode to replace the plastic gift card altogether." >> Continue Reading

It's official, I have now published the notes from all 8 of my mobile banking interviews. If you missed the beginning of the series and you're unsure what I'm referring to...please continue reading.

In July, to assist you with 2010 planning, I interviewed the CEO of nearly every mobile banking vendor in the U.S., and asked them a series of questions related to: pricing, ROI, security, adoption, the future of mobile banking and the iPhone. Then, during August and early September I began publishing the information.

CEOs of Mobile Banking

Scott Moeller (MShift)

Adam Clark (MCOM)

Pete Daffern (Clairmail)

Steve Kietz (MMV)

Tripp Rackley (Firethorn)

Lisa Stanton (Monitise)

Drew Sievers (mFoundry)

Cameron Franks (Sybase)

New Hurdle For Mobile Commerce: Success?
"With all of the various reasons to explain why mobile commerce has gone almost nowhere with major American retailers thus far, AT&T and Apple-especially AT&T-are illustrating yet another. The M-Commerce movement may prove to be the latest corporate example of "Be Careful What You Wish For."

Consumer media have been filled with reports this month of major problems with iPhone 3G performance, illustrated by dropped calls, extremely slow connections and a generally unpleasant experience, especially in places where-ironically-the iPhone is most popular, such as New York City."

The ROI of Small-Business Mobile
"A new report from Aite Group, LLC analyzes the types of mobile banking transactions small businesses are most willing to adopt, and how that willingness varies by business size. Based primarily on the results of a July 2009 survey of 283 U.S. small businesses (defined as any business generating less than US10ドル million in annual revenues), the report also points out challenges, such as misperceptions about mobile security, that banks will have to overcome to ensure a successful deployment. Finally, the report examines small-business willingness to pay for mobile banking/transaction service, expected adoption rates and estimated deployment costs and potential revenues for banks seeking to calculate return on investment (ROI)."

Mobile Receipt from Mitek Systems Climbs to #1 in the App Store
"Mitek Systems, Inc. today announced its Mobile Receipt (TM) application climbed all the way to the number one paid finance application in the App Store (SM) on September 8, 2009 and is consistently in the top five application in its category. Mobile Receipt converts the photo of a receipt taken with the iPhone camera into a high quality image and, with a single tap, converts the data into a professional looking expense report. Mobile Receipt saves time, enhances productivity and can help speed reimbursements."

Barclays revamps mobile banking site
"The first area of improvement is to the online banking log-in pages which have been optimised for access and viewing on mobile devices. In addition, a new 'quick access' log-in has been added for customers who purely want to view their balance, statement or to make a transfer. Research undertaken by Barclays has shown that complex logging in processes put many customers off using a mobile phone for online banking."

Creating New Revenue Streams With the Mobile Channel
"Since the late 1990’s analysts have asked how and when mobility will impact the established financial landscape. The Silicon Valley boom at the end of the 20th century boosted online commerce, while making household names out of organizations that still thrive today. People are less likely to know, however, that one of these brands, PayPal, started out as a Palm-based mobile payment solution. PayPal quickly moved beyond mobile and ultimately found its niche to help change the way consumers purchase goods online. More importantly, they spurred a stream of consciousness from Denmark to Israel and back to Silicon Valley where the dream originally hatched. Today, eBay-owned PayPal is the No. 1 online “alternative” payment method and enjoys hundreds of millions of customers worldwide. "

For m-Commerce to Work, We Need to Embrace Mobile Payments (Part 2)
"Interestingly enough, the "comfort factor" in using a mobile to make a purchase is more of a problem here in the developed world. In developing markets, however, where critical infrastructure like bank branches and high-speed internet is often lacking, people use mobile phones for all sorts of things including mobile banking, mobile money transfer, mobile education, and mobile medicine."

Getting the Garden Ready: First Data and Mobile Payments at the Point of Sale
"While the list of start-ups focused on mobile payments for digital content, eCommerce physical goods and/or person-to-person transfers continues to grow, another part of the industry is biding its time, with an eye on what may be a much larger prize.

What’s at stake are point-of-sale, in-person payments – what Glenbrook estimates to be roughly 4ドル trillion and 107 billion payments each year in the U.S. market. Some of these today are done by card; some by cash and check. All are targets for the companies looking at using the phone to make those payments."

Mobile Payments Are Taking Off. But Which One to Use?
"Mobile payments system Boku just announced that it will work with a bevy of social networks and gaming sites. But competitor Zong, was recently chosen to pilot Facebook's virtual currency, called Credits. Both sites will face considerable opposition from Obopay, a seasoned startup that recently earned the backing of mobile phone giant Nokia for its Nokia Money payment system. Mobile payments are convenient, fast and easy--but which service should you use?"

M-Commerce Is Still in Its Infancy
"More than 70 million US mobile phone users will access the Internet from their device in 2009, eMarketer forecasts. And a number of recognized retail brands have launched mobile commerce programs so they can be where their customers go.

Nevertheless, mobile commerce is still immature. Web-enabled mobile phone users are much more likely to employ their devices to get weather forecasts, read news, find movie times and bank online than to buy products."

I'm excited to report that the Mobile Banking blog is now beginning to reach a broader audience. The new industry - Professional Football - the other day I received an email from a new visitor Ed Reif, Corporate Sales Executive for the St. Louis Rams.

Ed and I had a chance to catch up, and it appears that the St. Louis Rams are blazing an unchartered mobile payments trail in the NFL. The idea "Rams Cash."

On his blog (HelloMyCash)Ed writes, "We will be giving away the RamsCash Mastercard (debit) as our premium item during a home game. Participating sponsors will be able to push coupons(RamsCash) to opt in users." Continue Reading>>

Earlier today Dove Consulting published research supporting that, "consumers across the United States are ready to adopt a broad set of mobile commerce applications...when asked which of these mobile applications they were most excited about using, nearly two-thirds of study participants chose mobile banking and 30 percent chose mobile payment at the point-of-sale." Click to read the full article>>

A while back I received an email from Eckhard Ortwein (CEO of paybox) introducing his product and company.

"Founded in 1999, paybox was the first to launch mass-marketable mobile payment solutions in five European markets. Recognised for having the broadest mobile Commerce offering worldwide, paybox has been chosen by leading companies such as: Vodafone and o2 in Germany, mobilkom and ONE in Austria, and Mastercard Int’l.

Used by over five million end users and over 15,000 merchants, paybox enterprise solutions are deployed across Europe, North and South America, North Africa, the Middle East and Asia."

However, what really caught my attention was a presentation that he forwarded titled "Mobilising Commerce with paybox." Over the years I've seen a tremendous number of vendor presentations, so it has become fairly easy to discern "insight" from "fluff" and this one was well written.

Specifically, as a number crunching banker, I was impressed with case study including line item detail for: revenue per transaction, processing cost, authorization cost, acquisition cost, remittance commission, float...and they even included net present values. What I'm attempting to convey is that I think they really know their stuff. Not many vendors are comfortable enough with banking and financial analysis to offer this type of detail during an initial meeting.

I know that without the meat of the presentation this article looses a little punch, but I don't have authorization to broadcast the data. So, if you're looking around I'd include paybox in my consideration set. Visit their site by clicking here.