{"id":1750,"date":"2013-11-08T13:59:48","date_gmt":"2013-11-08T17:59:48","guid":{"rendered":"https:\/\/www.duck9.com\/?p=1750"},"modified":"2013-11-08T14:14:02","modified_gmt":"2013-11-08T18:14:02","slug":"payments-crystal-ball","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/payments-crystal-ball\/","title":{"rendered":"Payments Crystal Ball"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>My comments are below IN BOLD<\/div>\n<div><\/div>\n<div>Notes:<\/div>\n<div>&#8211; remember another non bank bank: Capital One. Plot spoiler: they became a bank after a stint starting as an ILC (industrial loan corp)<\/div>\n<div><\/div>\n<div>-Digital wallet are competitors and potential partners<\/div>\n<div><\/div>\n<div>&#8211; WHERE IS GOOGLE. There is no way they&#8217;ll just languish for 11 years in a row #GooglePay<\/div>\n<div>#GooglePayOuts<\/div>\n<div><\/div>\n<div><span style=\"-webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); \">My comments are below IN BOLD<\/span><\/p>\n<table width=\"600\" cellpadding=\"0\" cellspacing=\"0\" bgcolor=\"#FFFFFF\" align=\"center\" style=\"font-size: 14px; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.296875); -webkit-composition-fill-color: rgba(175, 192, 227, 0.230469); -webkit-composition-frame-color: rgba(77, 128, 180, 0.230469); font-family: Arial, Helvetica, sans-serif; line-height: 20px; border: 1px solid silver; color: rgb(51, 51, 51); width: 602px !important; height: 1404px !important; -webkit-transform-origin: 0px 0px !important; -webkit-transform: scale(0.48505) !important; margin: 0px -310px -722px 0px !important; \">\n<tbody>\n<tr>\n<td valign=\"top\" style=\"padding: 10px; \"><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\"><a href=\"https:\/\/click.sourcemediamail.com\/?qs=98775c1a6ec6fb9ae9fe1149905b7eab8ed24f37cd58be61d7c4f64cb63529d159c4153cf633d4dc\" style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.sourcemediaconferences.com\/WebSeminars\/POS13\/EmailHead.gif\" alt=\"Staking Your Claim at the Point-of-Sale\" border=\"0\" width=\"600\" height=\"135\"><\/font><\/a><\/td>\n<\/tr>\n<tr>\n<td valign=\"top\" style=\"padding: 10px; \">\n<p><strong style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\">Staking Your Claim at the Point-of-Sale<\/font><\/strong><\/p>\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/click.sourcemediamail.com\/?qs=98775c1a6ec6fb9aea66dc84bd5b1518b415bfe26c9735af1ebd36419f36ed3e9071b3de97562ef7\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.sourcemediaconferences.com\/images\/webimages\/register-teal.gif\" align=\"right\" width=\"139\" height=\"42\" alt=\"Register Today\" border=\"0\"><\/a><strong>Date:<\/strong>&nbsp;<a href=\"x-apple-data-detectors:\/\/0\" x-apple-data-detectors=\"true\" x-apple-data-detectors-type=\"calendar-event\" x-apple-data-detectors-result=\"0\">November 13, 2013<\/a>&nbsp;|&nbsp;<strong>Time:<\/strong>&nbsp;<a href=\"x-apple-data-detectors:\/\/1\" x-apple-data-detectors=\"true\" x-apple-data-detectors-type=\"calendar-event\" x-apple-data-detectors-result=\"1\">12:00 p.m. ET<\/a>&nbsp;<br \/><strong>Cost:<\/strong>&nbsp;$99 |&nbsp;<strong>Duration:<\/strong>&nbsp;60 Minutes<\/span><\/font><\/p>\n<hr>\n<p><strong style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\">Should card-issuing banks treat digital wallet players as competitors or potential partners?<\/font><\/strong><\/p>\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\">It&#8217;s a question that&#8217;s come to the forefront as non-bank companies like PayPal have expanded and strengthened their payment offerings. PayPal recently acquired Braintree, a startup that built its reputation on disrupting traditional payment&nbsp;<\/span><\/font><\/p>\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\">So, with things getting crowded at the point-of-sale what should traditional payment companies, banks in particular, do to ensure their place?<\/span><\/font><\/p>\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\">Join&nbsp;<em>American Banker<\/em>&nbsp;and&nbsp;<em>PaymentsSource<\/em>&nbsp;for this&nbsp;<a href=\"https:\/\/click.sourcemediamail.com\/?qs=98775c1a6ec6fb9ae9fe1149905b7eab8ed24f37cd58be61d7c4f64cb63529d159c4153cf633d4dc\">online session<\/a>&nbsp;that reveals how card-issuing banks and payment companies can ensure market penetration at the POS. A panel of industry insiders will discuss the implications for card issuing banks, as well as payment networks, processors, merchants and wallet providers.<\/span><\/font><\/p>\n<p><strong style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\">These key points will include:<\/font><\/strong><\/p>\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.sourcemediaconferences.com\/images\/webimages\/grey-bullet.gif\" width=\"12\" height=\"12\" alt=\"-\">&nbsp;Should banks consider digital wallet players competitors or potential partners?<\/span><\/font><\/p>\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.sourcemediaconferences.com\/images\/webimages\/grey-bullet.gif\" width=\"12\" height=\"12\" alt=\"-\">&nbsp;What are banks and other institutions doing to ensure their presence at the point-of-sale is retained?<\/span><\/font><\/p>\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.sourcemediaconferences.com\/images\/webimages\/grey-bullet.gif\" width=\"12\" height=\"12\" alt=\"-\">&nbsp;What has the introduction of non-Financial Institutions done to change the relationship between processors, merchants and issuers.<\/span><\/font><\/p>\n<p><a href=\"https:\/\/click.sourcemediamail.com\/?qs=98775c1a6ec6fb9a9c10d9651b742bf2b3e5ede9071e26bd0cf5b6fda7c36bbc6e473081de4a2294\" style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\">Learn more about this online session.<\/font><\/a><\/p>\n<table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" bgcolor=\"#043b50\" align=\"center\">\n<tbody>\n<tr>\n<td>\n<p align=\"center\"><strong><a href=\"https:\/\/click.sourcemediamail.com\/?qs=98775c1a6ec6fb9aea66dc84bd5b1518b415bfe26c9735af1ebd36419f36ed3e9071b3de97562ef7\" style=\"text-decoration: none; line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\">REGISTER NOW<\/font><\/a><\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\">Moderator:<\/font><\/strong><\/p>\n<table width=\"100%\" cellpadding=\"5\" cellspacing=\"0\" border=\"0\" style=\"border: 1px solid silver; \">\n<tbody>\n<tr>\n<td width=\"21%\" align=\"center\" valign=\"top\">\n<p align=\"left\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.nationalmortgagenews.com\/media\/newspics\/austin_kilgore.gif\" alt=\"Austin Kilgore\" width=\"110\" height=\"110\"><\/span><\/font><\/p>\n<\/td>\n<td width=\"79%\" align=\"left\" valign=\"top\">\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><strong>Austin Kilgore<\/strong><br \/><em>Managing Editor<\/em><br \/>PaymentsSource<\/span><\/font><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\">Meet the Presenters:<\/font><\/strong><\/p>\n<table width=\"100%\" cellpadding=\"5\" cellspacing=\"0\" border=\"0\" style=\"border: 2px solid rgb(204, 204, 204); \">\n<tbody>\n<tr>\n<td width=\"50%\" valign=\"top\" style=\"border-right-width: 2px; border-right-style: solid; border-right-color: rgb(204, 204, 204); \">\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><strong>Michelle Evans<\/strong><br \/><em>Consumer Finance Analyst<\/em><br \/>Euromonitor<\/span><\/font><\/p>\n<\/td>\n<td width=\"50%\" valign=\"top\">\n<p><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\"><strong>Zilvinas Bareisis<\/strong><br \/><em>Senior Analyst<\/em><br \/>Celent<\/span><\/font><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p align=\"center\"><font color=\"#000000\" face=\"Helvetica\" size=\"3\"><span style=\"line-height: normal; -webkit-tap-highlight-color: rgba(26, 26, 26, 0.300781); -webkit-composition-fill-color: rgba(175, 192, 227, 0.234375); -webkit-composition-frame-color: rgba(77, 128, 180, 0.234375); -webkit-text-size-adjust: auto; background-color: rgba(255, 255, 255, 0);\">Learn more abou<\/span><\/font><\/p>\n<div><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><\/p>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">ENGR145&#8217;s Anchor Concept: Lemonade and Gua Gua Guacamole&nbsp;<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">It moves you to the right on the entrepreneur bell curve&nbsp;<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/eudADPfTWiE&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.youtube.com\/watch?v=n5jB310egEI&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/n5jB310egEI&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.youtube.com\/watch?v=BMyLcDaWazU&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/BMyLcDaWazU&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">CEO of Duck9<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Stanford University Entrepreneur in Residence, Emeritus<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Duck9 = &#8220;Deep Underground Credit Knowledge&#8221; 9<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">125 University Avenue\/ 100<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Palo Alto CA 94301<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.duck9.com\/ass\"><a href=\"https:\/\/www.duck9.com\/ass\" >https:\/\/www.duck9.com\/ass<\/a><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">650-566-9600<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">650-566-9696 (direct)<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">650-283-8008 (cell)<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">****************<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Editor of the BusinessWeek Channel &#8220;What They Don&#8217;t Teach at Business School&#8221;<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\"><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\" >https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog<\/a><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">CNN Video Channel: <a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\"><a href=\"https:\/\/ireport.cnn.com\/people\/larrychiang\" >https:\/\/ireport.cnn.com\/people\/larrychiang<\/a><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Read my last 10 tweets at <a href=\"https:\/\/www.Twitter.com\/LarryChiang\"><a href=\"https:\/\/www.Twitter.com\/LarryChiang\" >https:\/\/www.Twitter.com\/LarryChiang<\/a><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Author, NY Times Bestseller<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller\"><a href=\"https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller\" >https:\/\/whattheydontteachyouatstanfordbusinessschool.com\/blog\/?s=Ny+times+bestseller<\/a><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">&#8220;What They Will NEVER Teach You at Stanford Business School&#8221; comes out 11-11-14<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049\"><a href=\"https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049\" >https:\/\/www.fastcompany.com\/embed\/c0d4562ea2049<\/a><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">52 Cards. Two Jokers. What They DO Teach You at Stanford Engineering<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.youtube.com\/watch?v=vDBY0GkI3-g&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/vDBY0GkI3-g&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Emergency swings and cutting deals as an 9 year old<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.youtube.com\/watch?v=OFGY7v9C4G0&amp;feature=youtube_gdata_player\"><embed width='425' height='344' allowfullscreen='true' allowscriptaccess='always' type='application\/x-shockwave-flash' src='https:\/\/www.youtube.com\/v\/OFGY7v9C4G0&#038;hl=en&#038;fs=1' \/><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">##########<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">Duck9 is part of UCMS Inc.<\/div>\n<div style=\"-webkit-text-size-adjust: auto; \"><a href=\"https:\/\/www.ucms.com\"><a href=\"https:\/\/www.ucms.com\" >https:\/\/www.ucms.com<\/a><\/a><\/div>\n<div style=\"-webkit-text-size-adjust: auto; \">630-705-5555<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang My comments are below IN BOLD Notes: &#8211; remember another non bank bank: Capital One. Plot spoiler: they became a bank after a stint starting as an ILC (industrial loan corp) -Digital wallet are competitors and potential partners &#8211; WHERE IS GOOGLE. There is no way they&#8217;ll just languish for 11 years [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1750","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1750","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=1750"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1750\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=1750"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=1750"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=1750"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}