CardWare Library

These essays were published in major US trade journals since February, 2006. 
Go to newest story.  

CRM Issues

• Allies in Disguise: Using Spouse Power to Make the Sale

In the News Now

• Waiting Until a Compliance Deadline is Looming is Expensive,
  Disruptive and Unfair for the Merchants Caught in the Vortex

• The Credit Crunch is Everyone’s Crisis Here’s how to Cope

Technology / Equipment Issues

• Technology is an Epidemic, of Sorts.
  It’s Poised to Change (yet again) the Landscape
  for Merchant Service - and Every MLS

• As More Retailers Become Wi-Fi Enabled,
  the Point of Sale is . . .   Everywhere
  How to Make the Most of This New Reality

• What Happens When the Terminal Goes Down –
  and How to Continue Transacting

• High-Tech Devices Need Low Tech Back-up.
  For Every Merchant, It’s a “When,” Not an “If.” 
  And When the Time Comes, Payback is Immediate

• Quantifying the Cost of Changing – (or Not)
  When to Upgrade Equipment And, Do You Move to a
  “Next-Gen” Device – or Leapfrog?

• Winds of Change

Security Issues

• Card Stripes, Prison Stripes and the Question of Security

• Imprinted Receipts Expose Cardholder Information – Needlessly
  It Costs Everyone, and It’s a Security Hole We Must Close Now

• Biometrics?  Convenience, and the Acceptance of Risk
  Will Have to Overcome the “Insecurity Factor”
  if Widespread Implementation is to Succeed

Fulfillment Issues

• “Garbage In / Garbage Out” is an Old Cliché.’
  But Today, It has a New Twist – 
  and Far More Costly Consequences   

• “Work On Your Business, Not In Your Business”   
  A Business Owners Association has This as Its Motto. 
  It’s a Wise Credo as well as for New Merchant Level Salespeople 

Operational Issues

• In Sales, the Goal is to Get to “Yes” - or Get to “No” - ASAP
  Both are Worthy Destinations, if for Different Reasons.
  The Only Enemy . . . is Apathy.

• MSLs Respond to a Previous Article –
  Here Are the Answers They Requested

• Ethics is not Optional. Certification Would Help, and so will its Flip Side:
  Blacklisting Our Industry's Truly Bad Apples

• QC for Your Help Desk: How to Hold it Accountable for Quality,
  Efficiency and Accuracy

• The Purchase Price is Just Half the Story
  Why You Need to Also Look at the Cost Per Transaction –
  and the Total Cost of Ownership

• File Build Errors are Skyrocketing.
  Everyone is Losing Money, and Business. 
  We Need to Fix It Now

• New Customers are an Adrenaline Rush. 
  But for an MLS, the Real Brass Ring is Retention. 
  It’s Not as Sexy, But It’s Better for Your Wallet . . . and Your Reputation   

• Motivate . . . Educate . . . Participate

• How to Get the Most From Your Help Desk

• “Terminal Down!”  If Your Company Supplies Prepaid Products 
  or Services, or If You Market Prepaid Products to Resellers,
  You Have a Major Stake in What Happens Next