Author Archives: bankingresearchassociates

Lessons for MFD Partnerships: LivingSocial Addresses Merchant Dissatisfaction

What About the Merchants? As banks increasingly with banish their debit rewards programs or turn to merchant funded discounts (MFDs) to load share costs, there is a key lesson they can learn from Daily Deal schemes: What about the merchants? … Continue reading

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Is That Crickets We Hear? Is Simple (aka BankSimple) Actually Up and Running? Or, The Case of the Missing Next Big Thing

Simple (formerly known as BankSimple) is finally opening its virtual doors to new customers. While arranging a bank depository partnership (necessary to hold customers’ deposits in an FDIC-insured institution) took 2 years longer than founders anticipated, the well-financed start-up, with … Continue reading

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Square Converts Underbanked Small Businesses

Cash-Based Small Businesses are the Bane of Banking Industry Small businesses can use banks for loans, deposits and payment processing services. The vast majority of those small businesses use banks for their cash and check processing, but as cash based … Continue reading

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PAYMENTS INDUSTRY TURNS GLADIATORIAL

With Industry Growth Stagnant, Growth Will Come from Taking Market Share The organic growth and displacement of traditional forms of payments has either flat-lined or regressed. In addition, consumers’ household income continues to fall which means those consumers are cutting … Continue reading

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