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Retail Law Advisor

Category Archives: Finance

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Blockchain – The Future of Real Estate?

Posted in Finance, Real Estate, Retail, Retail Sales, Technology

Bitcoin and blockchain technology have been gaining publicity in recent years, and although they are primarily known for their use as a digital payment system, there are also promising uses in many areas where trust, cost and efficiency can be improved, including real estate. So what is blockchain, exactly? Blockchain is a distributed ledger system… Continue Reading

Video Interview: Discussing Mobile Payments and Data Security with LXBN TV

Posted in Banking, Finance, Privacy, Retail, Retail Sales, Technology

Following up on a recent post on mobile payments, I had the opportunity to discuss the growing adoption of Apple Pay, Google Wallet and mobile payments with Colin O’Keefe of LXBN.  In the interview, I explain why the adoption of these technologies may soon explode.  I also talk about why this is a good thing… Continue Reading

Apple Pay and Google Wallet: Mobile Payment Going Mainstream

Posted in Banking, Finance, Retail, Retail Sales, Technology

When Apple announced on September 9, 2014 that the iPhone 6 would be equipped with a mobile payment system appropriately called Apple Pay, the entire mobile payment universe woke up. Although competitors had existed for years, none had gained considerable traction. In fact, within a month of releasing Apple Pay, Apple proclaimed to be bigger… Continue Reading

Building Brand Equity: Crowdfunding and the Retail Industry

Posted in Finance, Retail

Ask anyone who follows innovation what topics are hot and it is likely most of them will say “crowdfunding.” By now, sites like Kickstarter and IndieGoGo have created thousands of loyal followers. In recent months even the real estate industry has entered the scene.   What is Crowdfunding? Crowdfunding involves the use of the internet… Continue Reading

Bitcoins: Gold 2.0 or a Mirage?

Posted in Banking, Finance, Retail, Retail Sales

The debate over Bitcoins is heating up. While the Winklevoss brothers call them “Gold 2.0”, Warren Buffett labels them a “mirage”. So what exactly are Bitcoins? In simple terms, Bitcoins are a form of digital currency that can be transferred online directly between two parties. Bitcoin payments do not involve the third parties commonly associated… Continue Reading

Big-Box Retailers Provide Alternative Forms of Access to Financial Services

Posted in Banking, Finance, Retail

Several large, national retailers have recently entered or expanded their reach into the market for financial services. Their initiatives have given consumers new banking and credit alternatives. At the same time, however, the new products may attract scrutiny under existing banking laws and their ultimate prospects remain to be seen. In October 2012, Walmart partnered… Continue Reading

Familiar Deals in Unfamiliar Contexts: Buying Retail REO Properties from Special Servicers

Posted in Finance, Real Estate

According to Moody’s Investor Services, the retail sector was the only asset class to record an increase in its delinquency rate for Commercial Mortgage-Backed Securities (CMBS) loans in January. Negotiating the purchase of an REO property from a Special Servicer is for many a new experience, with dimensions that don’t exist when dealing with direct… Continue Reading

Retail Financing Outlook for 2012

Posted in Finance

Recognizing that aggressive promotion and extended hours drove higher top-lines this holiday season, many retailers and investors are concerned about profitability. Retail remains subject to uncertainty given factors like the tenacious unemployment rate, rising input costs, political gridlock, stock market volatility and competitive challenges from shoppers expecting enhanced experiences. However, by most accounts, the 2011… Continue Reading