Sat.Jun 22, 2013 - Fri.Jun 28, 2013

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From Curiosity to Contender. Square's Growing Pains

Javelin Strategy & Research

I was at the Fiserv Analyst Day on Monday and enjoyed an excellent session by Tom Roberts on social payments and the evolution of Popmoney. One slide Tom displayed has two columns of companies he categorized as "contenders" and "curiosities" for the role of social payments. Top of the column of "curiosities" was Square, which led to a conversation around the future of Square and what it will need to do to evolve.

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The Durbin Debit Dilemma with EMV

Javelin Strategy & Research

Actions have consequences, I have been told often, and more often than not, unintended ones. A case in point in the US is the Durbin Amendment which has arguably had the most significant impact on the shape of the payments industry in the last decade. Some as expected, some truly unanticipated. Reduced credit interchange, experimental checking account fees, the rise of bank and non bank issued prepaid cards… the list is long of repercussions that Durbin’s sweeping changes have brought to the dom

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