We have to understand what is being sold here. FirstData sells point of sale machines to merchants. I am no computer wizard, but I do have a slightly higher-than-average understanding of the payment card industry. I would be very surprised if SFOR was getting any money on a per-transaction basis, because that money is part of the interchange fee system . The networks, the issuing banks, and the acquiring banks are all VERY protective of the various fees charged when a customer swipes their card or inserts their chip. FirstData, as I understand it, is not involved in that transaction, other than providing the hardware and integrated software to allow the transaction to occur. I might be totally mistaken, but from what I understand, FirstData is paid on a subscription framework, meaning a given merchant leases the machine on their checkout counter, or they purchase a machine and pay a monthly subscription to keep their machine connected to the various Card networks, like Visa, MasterCard, AMEX, Discover, etc. SFOR may be getting a portion of those subscriptions, because it sounds like these point of sale machines will have SFOR EndpointLock software embedded in them from the factory (again, computers are not my area of expertise). However, I do not believe FirstData has any financial involvement in the actual swiping of a card, therefore I do not think FirstData would be making any per-transaction fee, and therefore could not be paying SFOR a percentage of a fee they are not getting. I am happy to get an education from someone more knowledgeable on this subject, but the information I have at the moment suggests SFOR is not getting a per-transaction fee. Total speculation on my part, but that is what makes sense to me, knowing what I know about Interchange fees.
Category: EconomyTotal Views: 67 By : EditorUpdated: 06-07-2024
2024 Economic Forecast Overview
As we ponder our way through 2024, and the nonstop chatter of an impending recession start to reverberate, businesses and individuals alike will look to the economic horizon and they will watch - carefully. Different economists have sought to explain - against a mosaic of insights that together suggest a complex but navigable future. This story leverages their predictions, exploring the evolving tensions between risks of a recession and those regarding financia... Continue Reading
Category: BusinessTotal Views: 91 By : EditorUpdated: 06-07-2024
Introduction to Evolving Educational Models
Many college students today are balancing work, studies, and personal life, often struggling to keep up with rising tuition costs and inflexible class schedules. This challenging scenario is all too familiar for many, leading to stress and burnout. Fortunately, the landscape of higher education is evolving. Innovative business models are emerging, aimed at making education more accessible, affordable, and tailored to the needs of modern students. Th... Continue Reading
Category: MarketsTotal Views: 102 By : EditorUpdated: 06-07-2024
Current Market Dynamics
Between Nvidia surging to the No. 2 most valuable US company (if only for a day) and the Federal Reserve signaling the potential for interest rate hikes, there are myriad signals investors can consider to shape their strategies. These are also among the most important problems for anyone who works in the financial markets: expanding global companies, government relations, and regulations. From the drag of rate cuts by the European Central Bank to the continuous eyeball... Continue Reading
Category: EconomyTotal Views: 141 By : EditorUpdated: 06-07-2024
Understanding the Presidential Economic and Stock Market Cycle
The four-year term of a U.S. president generates curiosity and speculation from investors, economists, and the public on the regular economic and stock market cycle. This understanding might offer some hints about the levels of stock prices and the financial markets and the economy more generally. The presidential economic cycle is traditionally divided into four stages, one for each year of the presidential term. These stages are... Continue Reading
Category: StocksTotal Views: 210 By : EditorUpdated: 06-07-2024
Why Companies Issue Stock
The issuance of stock is one of the key stages in the development of many organizations, as it forms the basis both of their financing and of their business strategies. This process, known also as 'going public', presupposes the offering of a firm's equity to the public for the first time in an Initial Public Offer (IPO). Knowing the reasons that compel companies to launch stocks and the resultant effects will go a long way in creating better enlightenmen... Continue Reading
Category: EconomyTotal Views: 273 By : EditorUpdated: 06-06-2024
Pawn Shop Economic Insights
Pawn shops, which are businesses that adjust to the real times as immediate indicators of the economic situations in various states across the country, can give different details of the economic challenges that many Americans are facing, especially when compared with the typical narratives of economy coming from Washington, D. C. Below we will look into how the particularities of pawn shops can reveal aspects of the economy that may not be paid enough attention fro... Continue Reading
Category: MarketsTotal Views: 289 By : EditorUpdated: 06-06-2024
Stock Market Trends
In 2024, the stock market remains an ever growing and complex place where one can earn and lose money as an investor. The markets are influenced by several aspects ranging from technological changes to political situations. To this end, it is very important to make sure you understand these trends if you want to make the right decisions to gain the most returns.
Technology and Innovation: Leading the Charge
Technology again takes the center stage of the stock markets... Continue Reading
Category: MarketsTotal Views: 278 By : EditorUpdated: 06-06-2024
Today's Monumental Achievements in the Stock Market: S&P 500 and Nasdaq 100 Hit Record Highs, Nvidia Surpasses Apple in Market Value
Analyzing Today's Market Milestones
Important milestones were hit in today's financial markets, that not only reflect the strength of the market, but point towards changing patterns within the tech industry. Two of the most followed indices, the S&P 500 and Nasdaq 100 have both hit record highs amid surging market performance and investor ... Continue Reading
Category: BusinessTotal Views: 309 By : EditorUpdated: 06-06-2024
COVID-19's Impact on the World
COVID-19 has had a global effect, disrupting the course of health, economies, and societal norms around the world. The pandemic resulted in public health responses never seen before, put healthcare systems to the test, and led a global transition to remote work and digital communication. The pandemic caused considerable economic disturbance, with the accompanying loss of jobs, reshaped industry forces, and a new perspective on global trade as well as on the ... Continue Reading
Category: StocksTotal Views: 318 By : EditorUpdated: 06-06-2024
Getting into the stock market can be thrilling and frightening. The reward is so great that it is hard to pass up, but the risk of losses is omnipresent. This maze of finances called the stock market is not imaginary, and in order to make successful investment decisions, you must carry out a lot of homework and analysis. This holistic view involves knowing the company, the industry, and the market. This guide is an in-depth look into effective stock research and stock evaluation so you can make ... Continue Reading