Reforming Retail

The Visa, Mastercard Settlement Is A Massive Joke And A Waste of Everyone’s Time

After 20 years of litigation, where merchants (rightly) accused Visa and Mastercard of operating a duopoly and extracting limitless fees as they sought fit, a settlement has finally been reached. The winners...

The $320B Underbelly of Restaurant Distribution That Needs Modernization: Part 1

We constantly harp on retailers being just about the most laggardly industry one could find, with restaurants being an even more laggardly subset underneath the retail umbrella. But what if you told you that...

Credit Card Surcharging Part 2: Compliance: Merchants in Open Violation of Surcharging Rules

The card schemes raise prices every April and October, cuz duopoly. Last October’s price increases already have legislators – and others – complaining, especially as inflation continues...

The Path to Exit for Retail Tech Companies Is Abysmal

First, don’t. If you’re in retail tech, you’re hosed. The returns you want are best found serving customers that want to use technology: tech adoption in retail is and will always be a slog...

Credit Card Surcharging Part 1: A History

When writing this we found a lot of the material was already collated by Scott Blakely and Ruth Fagan in their A History of Credit Card Transaction Costs and the suppliers Newly Minted Right to Surcharge to...

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