Reforming Retail

Exposing Olo Part 3: Sinking 40% of Olo’s Enterprise Value into A Failed Acquisition

In the continuation of our Olo analysis, let’s catch back up. Olo had gone public. We contend that Olo management was now fully aware that the company’s growth prospects were materially capped, and that it was...

Why Everyone in Payments Needs to Pay Attention to PIX

India’s UPI had previously set the standard for free money transfer. Initialized by India’s Reserve Bank, UPI set up a digital banking infrastructure that was accessible to even the most indigent...

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...

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