Equifax& 1010data Offer Marketing Data

Equifax individual and household marketing data is now being made available to retailers on the 1010data analytics platform to combine internal transactional data with Equifax’s extensive marketing data. This partnership is designed to help retailers improve store site selection, merchandising, inventory effectiveness, product level assortments, promotional planning, as well as help improve customer loyalty programs. No longer forced to make decisions based on limited information, Equifax Marketing Data Suites offers marketers a much deeper view into consumers across financials, demographics, purchases, lifestyles, and life events. 1010data offers a data and analytics platform with a complete approach to performing the deepest analysis and getting the maximum insight directly from raw data.

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Conference Board Employment up 1.7%

The Conference Board Employment Trends Index (ETI) continued to rise in
December, its sixth consecutive increase to now stand at 91.8, up 1.7
percent from the November figure. This is down 5.2% since the year ago
figure, but was driven by positive contributions from all eight
components. The Employment Trends Index aggregates eight labor-market
indicators which include percentage of Respondents Who Say They Find
“Jobs Hard to Get”; Initial Claims for Unemployment Insurance;
Percentage of Firms With Positions Not Able to Fill Right Now; number of
Employees Hired by the Temporary-Help Industry; part-Time Workers for
Economic Reasons (BLS); job Openings; industrial Production; and real
Manufacturing and Trade Sales.

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Online Holiday Shopping 30% Higher Y/Y

Tracking daily online shopping activity throughout the 2009 holiday
shopping season, the number of online shopping transactions
were 30% higher and total sales volume increased 17.3% over the year
ago period, thanks mostly to a 9.8% drop in average ticket value.
Compared to 2008, when sales
volume for the holiday season was up only 4.5% and ticket sales dropped
10% year over year, 2009 was the second straight year of declining
average tickets. This, according to Chase Paymentech merchant acquirer
and payment processing
proprietary “Cyber Holiday Pulse Index,” also showed the e-tailer
strengthening began as early as November, when transactions were up
26.5% and sales were up 11.1%, the strongest day seen on Cyber Monday.
Chase Paymentech processes an estimated 500 Internet payment
transactions per second and released its pulse
index data based on the measurements of daily transactions and purchase
volume from 50 of the
top U.S. retail Web merchants.

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GCA to Present at 12th Annual ICR XChange

NV-based Global Cash Access Holdings will be presenting at the 12th Annual ICR XChange Conference on Wednesday, January 13, 2010 at the St. Regis Monarch Resort in Dana Point, CA. Investors and interested parties may listen to the live audio webcast of this presentation at www.GlobalCashAccess.com at the appropriate time. GCA is a leading provider of cash access products and related services to over 1,100 casinos and other gaming properties in the United States, Europe, Canada, the Caribbean, Central America and Asia, providing gaming patrons access to cash through ATM cash withdrawals, POS debit card transactions, credit card cash advances, check verification and Western Union money transfers.

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Electrone Introduces Smart POR Terminal

Electrone has introduced its low-cost “EAL 8908” Smart POS Terminal with
POS terminal technology modernized to offer high-performance, advanced
payment terminal capabilities. Targeting the modern, cost-efficient
merchant, the “EAL 8908” POS Terminal by Electrone is designed as an
all-in-one payment terminal solution with a 32-bit, high-speed
microprocessor to perform quickly, efficiently and effectively. The
modern terminal design and 4 separate SIM card slots allows for use in
small space and function as a standalone wireless unit. Additional
features include an ATM-style interface; large, back-lit display; bold
menu prompts; easy-press keys; and a quiet, thermal printer, Electrone’s
Smart POS Terminal.

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LINK HOLIDAY VOLUME

LINK cash machine network has reported an increase of 4% in its December
cash machine withdrawals since the year ago figure, with consumers
withdrawing a 1 month record of GBP10.4 billion. The first two weeks in
December 2009 saw significant growth compared with 2008 of 7% and 6%
respectively. In conjunction with snowy weather on the 18th of the
month, however, cash withdrawals dropped markedly the weekend of
19th/20th 7% to GBP660 million compared to the GBP708 million in 2008.
Cash withdrawals bounced back and Christmas Eve was the busiest day of
the year with GBP565 million withdrawn in just one day, up 6% year over
year, and New Year’s Eve saw GBP448 million withdrawn, up 20% year over
year. There are currently 130 million LINK-enabled cards in circulation,
which processes over 1 million transactions an hour.

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Citi Names a New Consumer Banking CEO

Citi has appointed Manuel Medina-Mora to Chief Executive Officer of Citi Consumer Banking for
the Americas and Chairman of Citi’s Global Consumer Council.
Medina-Mora will oversee Citi´s retail branch network, the branded cards business and the local commercial bank in the
Americas. In his role as Chairman of Citi’s newly formed Consumer
Council, he will be responsible for Citi’s global consumer strategy and
work closely with all regional CEOs. Medina-Mora maintains his role as Chairman and CEO of Citi Latin America
and Mexico. Medina-Mora has served as Chairman and Chief Executive Officer of
Citi Latin America since 2004. Prior to that, he was CEO of Banamex, a
position he has occupied since 1996. He has more than 35 years of
experience in Banamex and Citi. Medina-Mora holds a bachelor’s
degree in Business Administration from Universidad Iberoamericana and an
MBA from Stanford University.

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payWave

In conjunction with the Vancouver 2010 Olympic and Paralympic Winter Games, Visa announced it will be equipping 550 Coca-Cola vending machines with its “payWave” contactless payment terminals in Canada, most of which will be located in official Olympic venues. These venues include the Olympic and Paralympic Villages in Whistler and Vancouver and two Vancouver training centers. This solution allows customers to “wave and go” when buying a Coca-Cola product from the vending machines, which is closely aligned with Visa Canada’s migration to chip card technology. Both the Visa “payWave” card and the Visa “payWave” terminal have built-in security measures.

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About 40% of Wealthy Americans Recession Impacted

Nearly 42% of wealthy American consumers have felt a negative impact on
their family budget while 34% are experiencing a negative effect on
their lifestyle. Additionally, 88% feel its “more important than ever to
live within my means,” 66% believe they have “developed a greater
appreciation for the non-material wealth in life” and 50% “feel more
centered because the recession has given an opportunity to re-evaluate
priorities.” This, according to PNC Wealth Management’s sixth annual
“Wealth and Values Survey,” has subsequently led the wealthy to re-evaluate
their lifestyles. Additional findings show 35% “believ(ing) [their]
children may be too spoiled by money and have too many material
possessions,” up from 22% in 2007; 51% believe the recession has changed
the way their children will manage their finances; 47% were prompted to
discuss money management with their children; 42% have cut their
spending on non-essential goods; and 29% have provided financial
assistance for friends or family who need it.

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Elavon Intros the Fusebox Gateway

End to end payment processor Elavon has introduced “Fusebox”hosted
payment gateway.
“Fusebox” adheres to the latest data security and compliance
requirements, while providing
extensive connectivity, flexibility and visibility. The hosted
environment relocates critical transaction data to a centrally-managed
host within Elavon’s secure data center, mitigating risk for the
merchant. An advanced Data Protection Module features tokenization to
further protect cardholder data by replacing actual account number
information with a unique ID. Fusebox provides extensive
connectivity to hundreds of POS/PMS systems and to all the leading banks
and processors, while a simple-to-use online portal gives users a
consolidated view into the entire transaction lifecycle.
Elavon developed Fusebox using the combined experience, technical
knowledge and valuable relationships gained through its recent
acquisition of two leading gateway solution providers; Southern DataComm
and Global Card Services.

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Solutionary has been PCI Recertified

Information security provider Solutionary has been recertified by the Payment
Card Industry (PCI) Security Standards Council as an Approved PCI Scanning Vendor (ASV) and as a
Qualified Security Assessor Company (QSAC). A longtime
leader in the payments industry, Solutionary has been both a QSAC and an
ASV for six consecutive years. Compliance and security solutions available today from Solutionary include
ActiveGuard Managed Security Services; PCI Self-Service Tools and Security & Compliance Consulting Services.
Solutionary is an information security company that delivers a wide
range of managed security solutions and professional services to reduce
risk, increase security and ensure compliance for medium-to-large
businesses. The company’s services are based on the ActiveGuard platform and next
generation security intelligence, offering true security and compliance
management.

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Americans Slash Revolving Credit by $13B+ in Nov

Consumer credit continued its decline as Americans cut another $13 billion off in November, bringing the year-to-date total reduction to $83 billion. Posting its 15th consecutive monthly decline, U.S. consumer revolving credit remained well below $900 billion in November. Since peaking at a revised $975.2 billion in the third quarter of last year, Americans have chopped-off more than $100 billion in revolving credit to-date. According to new and revised data released by the Federal Reserve, revolving credit declined at an annual rate of 18.5% in November, following a revised 9.9% decline in October and a 10.5% drop in September. In October revolving credit declined to a revised $887.7 billion and to a revised $895.0 billion in September. March posted the largest contraction over the past nine months, dropping more than $14 billion. Bank credit card debt (excluding store and gas credit cards) at the end of the third quarter was about $710 billion or roughly 85% of total revolving credit, according to CardData (www.carddata.com). Store and gas credit cards had about $105 billion in outstandings at year-end 2008. At the end of November, Americans were $2465 billion in debt, excluding home mortgages.

REVOLVING CREDIT HISTORICAL ($billions)
Nov 09 Oct 09 Sep 09 Aug 09 Jul 09 Jun 09
GRWTH: -18.5% -9.9 -10.5 -10.6 -3.6 -6.4
$OWED: $874.0 887.7 895.0 903.0 909.0 911.7
Source: Federal Reserve; revised figures as of 1/8/10;
For complete historical data, visit CardData (www.carddata.com)

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