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Payments Industry Research and Consulting Reports

Double Diamond Payments Research
What you need to know, when you need to know it.

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Consulting
Since it's founding in 2008, Double Diamond Group has helped dozens of payments industry clients solve their most critical business challenges.

Payment Facilitators
Becoming a Payment Facilitator is growing in popularity as a way to reduce friction in the boarding process, streamline pricing and build market share in the small business arena.

Market Research
Payment acceptors of all sizes are looking for focused research expertise in electronic payments. We address the full-range of payments issues and payment acceptance.

With Double Diamond Group by your side, you not only get answers, you get the right answers. The first time. Information you can count on and act on.

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California A Global Leader On Climate Change

White House Agenda Not Slowing Action In Golden State

By Coral Davenport and Adam Nagourney, New York Times

The environmental ministers of Canada and Mexico went to San Francisco last month to sign a global pact drafted largely by California to lower planet-warming greenhouse pollution. Gov. Jerry Brown flies to China next month to meet with climate leaders there on a campaign to curb global warming. And a battery of state lawyers is preparing to battle any attempt by Washington to weaken California's automobile pollution emission standards.

As President Trump moves to reverse the Obama administration's policies on climate change, California is emerging as the nation's de facto negotiator with the world on the environment. The state is pushing back on everything from White House efforts to roll back pollution rules on tailpipes and smokestacks, to plans to withdraw or weaken the United States' commitments under the Paris climate change accord.

In the process, California is not only fighting to protect its legacy of sweeping environmental protection, but also holding itself out as a model to other states and to nations on how to fight climate change.

I want to do everything we can to keep America on track, keep the world on track, and lead in all the ways California has, said Mr. Brown, who has embraced this fight as he enters what is likely to be the final stretch of a 40-year career in California government. We're looking to do everything we can to advance our program, regardless of whatever happens in Washington.

Since the election, California has stood as the leading edge of the Democratic resistance to the Trump administration, on a range of issues including immigration and health care. Mr. Trump lost to Hillary Clinton here by nearly four million votes. Every statewide elected official is a Democrat, and the party controls both houses of the Legislature by a two-thirds margin. Soon after Mr. Trump was elected, Democratic legislative leaders hired Eric H. Holder Jr., the former attorney general, to represent California in legal fights with the administration.

But of all the battles it is waging with Washington, none have the global implications of the one over climate change.

The aggressive posture on the environment has set the stage for a confrontation between the Trump administration and the largest state in the nation. California has 39 million people, making it more populous than Canada and many other countries. And with an annual economic output of $2.4 trillion, the state is an economic powerhouse and has the sixth-largest economy in the world.

California's efforts cross party lines. Arnold Schwarzenegger, who served as governor from 2003 to 2011, and led the state in developing the most aggressive pollution-control programs in the nation, has emerged as one of Mr. Trump's biggest Republican critics.

Mr. Trump and his advisers appear ready for the fight.

Scott Pruitt, the Environmental Protection Agency chief, whom Mr. Trump has charged with rolling back Obama-era environmental policies, speaks often of his belief in the importance of federalism and states' rights, describing Mr. Trump's proposals as a way to lift the oppressive yoke of federal regulations and return authority to the states. But of Mr. Brown's push to expand California's environmental policies to the country and the world, Mr. Pruitt said, That's not federalism that's a political agenda hiding behind federalism.

Is it federalism to impose your policy on other states? Mr. Pruitt asked in a recent interview in his office. It seems to me that Mr. Brown is being the aggressor here, he said. But we expect the law will show this.

In one of his earliest strikes, Mr. Trump signed an executive order in March aimed at dismantling the Clean Power Plan, President Barack Obama's signature climate policy change. Much of the plan, which Mr. Trump denounced as a job killer, was drawn from environmental policies pioneered in California.

Mr. Brown has long been an environmental advocate, including when he first served as governor in the 1970s. He has made this a central focus as he enters his final 18 months in office. In an interview, he said the president's action was a colossal mistake and defies science.

Erasing climate change may take place in Donald Trump's mind, but nowhere else, Mr. Brown said.

The leadership role being embraced by California goes to the heart of what has long been a central part of this state's identity. For more than three decades, California has been at the vanguard of environmental policy, passing ambitious, first-in-the-nation legislation on pollution control and conservation that have often served as models for national and even international environmental law.

Read The Full Story athttps://www.nytimes.com/2017/05/23/us/california-engages-world-and-fights-washington-on-climate-change.html?emc=edit_ta_20170523&nl=top-stories&nlid=59791470&ref=cta&_r=0

Crossbow Communicationsspecializes in issue management andpublic affairs.It's also promotingsustainable, resilient and livable cities.Please contactGary Chandler atgary@crossbow1.comto join our network.

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California A Global Leader On Climate Change

White House Agenda Not Slowing Action In Golden State

By Coral Davenport and Adam Nagourney, New York Times

The environmental ministers of Canada and Mexico went to San Francisco last month to sign a global pact - drafted largely by California - to lower planet-warming greenhouse pollution. Gov. Jerry Brown flies to China next month to meet with climate leaders there on a campaign to curb global warming. And a battery of state lawyers is preparing to battle any attempt by Washington to weaken California's automobile pollution emission standards.

As President Trump moves to reverse the Obama administration's policies on climate change, California is emerging as the nation's de facto negotiator with the world on the environment. The state is pushing back on everything from White House efforts to roll back pollution rules on tailpipes and smokestacks, to plans to withdraw or weaken the United States' commitments under the Paris climate change accord.

In the process, California is not only fighting to protect its legacy of sweeping environmental protection, but also holding itself out as a model to other states - and to nations - on how to fight climate change.

I want to do everything we can to keep America on track, keep the world on track, and lead in all the ways California has, said Mr. Brown, who has embraced this fight as he enters what is likely to be the final stretch of a 40-year career in California government. We're looking to do everything we can to advance our program, regardless of whatever happens in Washington.

Since the election, California has stood as the leading edge of the Democratic resistance to the Trump administration, on a range of issues including immigration and health care. Mr. Trump lost to Hillary Clinton here by nearly four million votes. Every statewide elected official is a Democrat, and the party controls both houses of the Legislature by a two-thirds margin. Soon after Mr. Trump was elected, Democratic legislative leaders hired Eric H. Holder Jr., the former attorney general, to represent California in legal fights with the administration.

But of all the battles it is waging with Washington, none have the global implications of the one over climate change.

The aggressive posture on the environment has set the stage for a confrontation between the Trump administration and the largest state in the nation. California has 39 million people, making it more populous than Canada and many other countries. And with an annual economic output of $2.4 trillion, the state is an economic powerhouse and has the sixth-largest economy in the world.

California's efforts cross party lines. Arnold Schwarzenegger, who served as governor from 2003 to 2011, and led the state in developing the most aggressive pollution-control programs in the nation, has emerged as one of Mr. Trump's biggest Republican critics.

Mr. Trump and his advisers appear ready for the fight.

Scott Pruitt, the Environmental Protection Agency chief, whom Mr. Trump has charged with rolling back Obama-era environmental policies, speaks often of his belief in the importance of federalism and states' rights, describing Mr. Trump's proposals as a way to lift the oppressive yoke of federal regulations and return authority to the states. But of Mr. Brown's push to expand California's environmental policies to the country and the world, Mr. Pruitt said, That's not federalism - that's a political agenda hiding behind federalism.

Is it federalism to impose your policy on other states? Mr. Pruitt asked in a recent interview in his office. It seems to me that Mr. Brown is being the aggressor here, he said. But we expect the law will show this.

In one of his earliest strikes, Mr. Trump signed an executive order in March aimed at dismantling the Clean Power Plan, President Barack Obama's signature climate policy change. Much of the plan, which Mr. Trump denounced as a job killer, was drawn from environmental policies pioneered in California.

Mr. Brown has long been an environmental advocate, including when he first served as governor in the 1970s. He has made this a central focus as he enters his final 18 months in office. In an interview, he said the president's action was a colossal mistake and defies science.

Erasing climate change may take place in Donald Trump's mind, but nowhere else, Mr. Brown said.

The leadership role being embraced by California goes to the heart of what has long been a central part of this state's identity. For more than three decades, California has been at the vanguard of environmental policy, passing ambitious, first-in-the-nation legislation on pollution control and conservation that have often served as models for national and even international environmental law.

Read The Full Story athttps://www.nytimes.com/2017/05/23/us/california-engages-world-and-fights-washington-on-climate-change.html?emc=edit_ta_20170523&nl=top-stories&nlid=59791470&ref=cta&_r=0

Crossbow Communicationsspecializes in issue management andpublic affairs.It's also promotingsustainable, resilient and livable cities.Please contactGary Chandler atgary@crossbow1.comto join our network.

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Square Disrupts in D.C.

The Washington, D.C., Department of For-Hire Vehicles has tapped leading payment facilitator Square to power an initiative that will move that city's taxi drivers to a digital platform.

The for-hire transportation industry has been through disruption with the advent of the e-hailing apps and changing consumer preferences. One of the objectives about what we want to do is to allow the traditional taxi to compete more fairly.

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Ups, Downs, and âFrothinessâ in Between: PF Day Wrap

Interest in the business of payment facilitation is growing, not just among companies lured in to monetize transactions and the investors excited to fund fast-growing startups, but also regulators wanting to make sure a new third party isn't taking advantage of consumers.

And all these eyes on the industry mean payment facilitators themselves, and companies thinking about switching to the model, are hungry for more information about how to run their business to take full advantage of all the opportunity in the space.

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First Data Launches New E-Commerce Solutions for PFs

Payment processor First Data has launched a new e-commerce program for payment facilitators that it's calling Global PFAC.

As part of First Data's e-commerce suite of products, Global PFAC offers a single integration interface that allows merchants to settle and fund transactions in more than 40 countries and 17 currencies.

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Marketing Video – Rule 3 For Naming A Website

Here is another quick marketing video showing how to name a website. Enjoy!

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New Threats From States and Old Ones From the CFPB: PF Regulatory Responsibilities Aren't Getting Any Lighter

As third parties, payment facilitators have a complicated regulatory framework to wade through. And it's unlikely to get untangled any time soon, especially as state regulators look to clamp down on a payments industry they don't fully understand, according to panelists at Payment Facilitator Day during the ETA's TRANSACT 17 conference.

Prepaid, money transmission, data and cyber security, these are perennial worries, one panelist said, but one particular trend in state regulation has her very nervous,

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Investors Lured by Hockey Stick Growth of Payment Facilitators

While most people outside the industry don't know what a payment facilitator is by name, the process of simplifying merchant onboarding to allow merchants to quickly start accepting payments is a business model seeing increased interest from the venture capital community.

According to panelists at Payment Facilitator Day during the ETA's TRANSACT 17 conference, the payment facilitator industry is still in the very early days, but there's substantial interest both by software companies looking to follow the PF model and investors looking to funnel money into the model.

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International Business Videos – Three Bad Strategies For Global Market Entry

Here is a quick international business video which discusses three bad strategies for international market entry

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News Roundup: Visa, Mastercard Standardize QR Code

In a roundup of this week's news, major card brands are continuing their expansion of digital payments acceptance, targeting cash usage at small and micro businesses and at festivals. And eMarketer ventures a prediction about the cross-border e-commerce shopping habits of German consumers.

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Super Sloppy Security Gushes Aadhaar PII

In many respects, India's 9-year-old Aadhaar national ID system is a global model for simplifying payments, banking and payroll operations. It was designed to be a comprehensive database allowing easy access to bank accounts and other payments mechanisms. As a concept, it worked brilliantly.

But according to data from a report from the Centre For Internet and Society, it also serves as a world-class example of security recklessness, with methods so sloppy that they could have exposed sensitive data about almost a quarter of a billion Indian citizens.

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New Payment Facilitator Platform Enables PFs to Get Up and Running Faster

One barrier to entry for companies considering the payment facilitator model has been creating their own framework for enabling merchant acceptance from scratch.

In response, consultants Todd Ablowitz and Deana Rich have teamed with technology services company iClassPro to introduce Infinicept, a company that offers what they say is the first platform built specifically for payment facilitators.

The platform, known as Payment Facilitator in a Box, offers infrastructure that PFs need to get merchants up and running on their systems, including a new, proprietary underwriting tool.

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New Payment Facilitator Platform Enables PFs to Get Up and Running Faster

One barrier to entry for companies considering the payment facilitator model has been creating their own framework for enabling merchant acceptance from scratch.

In response, consultants Todd Ablowitz and Deana Rich have teamed with technology services company iClassPro to introduce Infinicept, a company that offers what they say is the first platform built specifically for payment facilitators.

The platform, known as Payment Facilitator in a Box, offers infrastructure that PFs need to get merchants up and running on their systems, including a new, proprietary underwriting tool.

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Finding Intent-Based Networking Nirvana With Mansour Karam Vendor-Agnostic, Intent-Driven Network Automation

Q&A: Apstra's Mansour Karam Wants Enterprises to Find Intent-Based Networking Nirvana

Apstra entered the enterprise networking scene in June 2016 with its intent-based operating system, which promised an innovative way to improve network agility and availability.

Less than a year later Gartner named Apstra a 2017 cool vendor for enterprise networking. The report said key benefits from its software include not only improved agility and availability, but also reduced capital expenditure and operating expenditure through support of mixed-vendor configurations and optional disaggregated, fit-for-purpose switch hardware and software.

What was your vision when you started Apstra?

Karam: With Apstra, the vision we had was to deliver on what we call a self-operating network. In networking, and specifically in the data center, operational aspects haven't been addressed to the extent that they need to be

Click here for Interview: Intent-Driven Network Automation


Apstra Operating System (AOS): Vendor-agnostic, Intent-driven Network Automation

Learn about the latest features in the industry's first and only distributed operating system for the data center network. In this webinar, Derick Winkworth (@cloudtoad) will demonstrate several of the powerful new features, including:

Rack-based design intent
Virtual Networks
Parallel links (LAG)
L2 server dual attachment (MLAG)
Server-based telemetry
Interactive topology visualization
And much more


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Square Disrupts in D.C.

The Washington, D.C., Department of For-Hire Vehicles has tapped leading payment facilitator Square to power an initiative that will move that city's taxi drivers to a digital platform.

The for-hire transportation industry has been through disruption with the advent of the e-hailing apps and changing consumer preferences. One of the objectives about what we want to do is to allow the traditional taxi to compete more fairly.

more...
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Marketing Video – How To Name Your Website, Rule 4

Here is a quick marketing video which discusses how to name your website. It's an easy rule you don't want to break!

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Ups, Downs, and “Frothiness” in Between: PF Day Wrap

Interest in the business of payment facilitation is growing, not just among companies lured in to monetize transactions and the investors excited to fund fast-growing startups, but also regulators wanting to make sure a new third party isn't taking advantage of consumers.

And all these eyes on the industry mean payment facilitators themselves, and companies thinking about switching to the model, are hungry for more information about how to run their business to take full advantage of all the opportunity in the space.

more...
No comment yet.
Scooped by Zooming Media
Scoop.it!

First Data Launches New E-Commerce Solutions for PFs

Payment processor First Data has launched a new e-commerce program for payment facilitators that it's calling Global PFAC.

As part of First Data's e-commerce suite of products, Global PFAC offers a single integration interface that allows merchants to settle and fund transactions in more than 40 countries and 17 currencies.

more...
No comment yet.
Scooped by Zooming Media
Scoop.it!

New Threats From States and Old Ones From the CFPB: PF Regulatory Responsibilities Aren't Getting Any Lighter

As third parties, payment facilitators have a complicated regulatory framework to wade through. And it's unlikely to get untangled any time soon, especially as state regulators look to clamp down on a payments industry they don't fully understand, according to panelists at Payment Facilitator Day during the ETA's TRANSACT 17 conference.

Prepaid, money transmission, data and cyber security, these are perennial worries, one panelist said, but one particular trend in state regulation has her very nervous,

more...
No comment yet.
Scooped by Zooming Media
Scoop.it!

New Payment Facilitator Platform Enables PFs to Get Up and Running Faster

One barrier to entry for companies considering the payment facilitator model has been creating their own framework for enabling merchant acceptance from scratch.

In response, consultants Todd Ablowitz and Deana Rich, co-publishers of PaymentFacilitator.com, have teamed with technology services company iClassPro to introduce Infinicept, a company that offers what they say is the first platform built specifically for payment facilitators.

READ MORE

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Investors Lured by Hockey Stick Growth of Payment Facilitators

While most people outside the industry don't know what a payment facilitator is by name, the process of simplifying merchant onboarding to allow merchants to quickly start accepting payments is a business model seeing increased interest from the venture capital community.

According to panelists at Payment Facilitator Day during the ETA's TRANSACT 17 conference, the payment facilitator industry is still in the very early days, but there's substantial interest both by software companies looking to follow the PF model and investors looking to funnel money into the model.

more...
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Talk to Your Developers! Square Insists They're Key

Developers, according to Square Developer Lead Carl Perry, are the most important community for payment facilitators.

It's not something payment facilitators hear very much, but developers are a core part of the business, and payment facilitators need to make the building of payment solutions streamlined for this group.

And this is especially important as payments and all the features around payments become more complex. With increasing consumer payment options, such as NFC, EMV and bitcoin, and multichannel strategies for acceptance, developers have a challenge to build solutions that keep up with buyers' quickly changing demands of payments whenever, wherever.

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News Roundup: Visa, Mastercard Standardize QR Code

In a roundup of this week's news, major card brands are continuing their expansion of digital payments acceptance, targeting cash usage at small and micro businesses and at festivals. And eMarketer ventures a prediction about the cross-border e-commerce shopping habits of German consumers.
more...
No comment yet.
Scooped by Zooming Media
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Super Sloppy Security Gushes Aadhaar PII

In many respects, India's 9-year-old Aadhaar national ID system is a global model for simplifying payments, banking and payroll operations. It was designed to be a comprehensive database allowing easy access to bank accounts and other payments mechanisms. As a concept, it worked brilliantly.

But according to data from a report from the Centre For Internet and Society, it also serves as a world-class example of security recklessness, with methods so sloppy that they could have exposed sensitive data about almost a quarter of a billion Indian citizens.

more...
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Marketing Video – Rule 2 For Picking A Website URL

Here is a quick marketing video which discusses the second rule in choosing a URL.

Enjoy this and more marketing advice

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