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These are new product announcements from my main website (Open 24/7/365). We have a life-time warranty / guarantee on all products. (Includes parts and labor). Here you will find a variety of cutting-edge Surveillance and Security-Related products and services. (Buy/Rent/Layaway) Post your own comments and concerns related to the specific products or services mentioned or on surveillance, security, privacy, etc.

Friday, April 18, 2014

Wal-Mart And Bitcoin Shake-up The Money Transfer Industry









Wal-Mart And Bitcoin Shake-up
The Money Transfer Industry







Shares in MoneyGram fell 17.7%. Shares in Western Union dropped 5%.

Wal-Mart, facing a sustained drop off in store traffic, has said it would accelerate its spending on its online presence and smaller-format stores meant to be more convenient for short shopping trips. 

Wal-Mart Stores Inc. is taking another step deeper into banking, rolling out a new money-transfer service that undercuts rivals including Western Union Inc.  and MoneyGram International Inc. 

The giant retailer on Thursday unveiled the new service, Walmart-2-Walmart, which will allow customers to send and receive up to $900 at a time at more than 4,000 stores. The new service applies only to payments that are sent and received in the U.S.

It aims to take a bite of the roughly $900 billion in so-called person-to-person payments made each year in the U.S., often in the form of cash or checks.





The companies began their partnership in 2001, and MoneyGram's service currently is offered in 4,000 Wal-Mart stores in the U.S.





The new service brings Wal-Mart even deeper into the business of providing traditional banking services even though the company technically isn't a bank. The discounter has expanded rapidly in the financial-services sector since it withdrew an application for a special type of bank charter in 2007. The retailer's plan had received stiff opposition from banks and some lawmakers.

 Wal-Mart offers check cashing, bill paying, money orders and tax-preparation services, as well as prepaid card programs, to its core low-income customers, many of whom are left out of the traditional banking system. The retailer still doesn't provide other key banking services such as taking deposits or making loans.

 "This is a relatively easy service for Wal-Mart to develop, because it fits with the customer base that they already have, and they don't have to spend a lot of money to create, implement or market the service," said Ron Shevlin, a senior analyst at Aite Group, a consulting firm that specializes in the payments industry.

 The service launches April 24. Wal-Mart said the service fees—$4.50 for transfers up to $50 and $9.50 for transfers up to $900—are 50% or more below the cost of existing offerings.

 In its annual report filed with securities regulators, MoneyGram said Wal-Mart accounted for 27% of its total fee and investment revenue last year.


MoneyGram Chief Executive Pamela Patsley said on a conference call that she only heard about Wal-Mart's plans for the new service late Wednesday. The retailer had the flexibility to launch the product under a renewed contract signed in October 2012.

 MoneyGram said Walmart-2-Walmart's service fees are 25 cents lower than what MoneyGram offers through Wal-Mart for transfers up to $50, and $2 less than MoneyGram's fee on transfers between $50 and $200.

 MoneyGram said it isn't planning on cutting prices yet, but will keep an eye on how consumers respond.

 "We will remain very measured, disciplined and targeted in our response to competition," Ms. Patsley said on the conference call with analysts Thursday.

 Walmart-2-Walmart transfers will be capped at $900 and are only available at U.S. stores. That leaves room for MoneyGram to cater to customers who need to send larger sums of money or who need to transfer funds outside the U.S.

 "MoneyGram continues to be a very valuable partner for us and our customers," Daniel Eckert, senior vice president of services for Wal-Mart U.S., said on a conference call. "We saw an opportunity to provide a simple and straightforward capability."




Western Union relies less-heavily on money transfers within the U.S.

 U.S. domestic money transfers represented roughly 8% of Western Union's revenue in 2013, according to the company. "The company is well positioned in the U.S. domestic money-transfer space, having offered a fee of $5 for $50 since 2009," Western Union said.

 For its new service, Wal-Mart is partnering with Euronet Worldwide Inc.'s Ria Money Transfer subsidiary.

 The money-transfer business carries substantial regulatory burdens aimed at preventing money laundering. Wal-Mart has been registered with the Treasury Department's Financial Crimes Enforcement Network as a money-services business since 2011, according to FinCen's public database.

 The move also could place Wal-Mart under the scrutiny of the U.S. Consumer Financial Protection Bureau, which was set up after the financial crisis to police the lending industry for abusive practices involving consumers. The CFPB already has proposed supervising nonbank providers of international money transfers.







A CFPB spokesman declined to comment on the Wal-Mart plan. A Wal-Mart spokesman said the company will comply with any applicable regulation issued by the CFPB or other regulatory bodies.

 The vast majority of U.S. money transfers involve sending money overseas, according to payments experts. The U.S. is the largest sender of such payments, accounting for nearly one-quarter of the $529 billion in remittances that international migrants sent to their home countries in 2012, according to the World Bank.

 In addition to competing with Western Union and MoneyGram, Wal-Mart also is taking on banks that allow their customers to transfer money to other customers. In 2011, J.P. Morgan Chase, Bank of America Corp. and Wells Fargo Co. formed a joint venture to let people use their checking accounts to send each other money with an email address or cellphone number.

 "The banks have failed miserably in capturing the person-to-person payments business," said Mr. Shevlin, the payments analyst.




Monty Henry, Owner








Some of Our Latest Articles:


* Bitcoin Takes On S. America And Africa (Say Goodbye To Western Union & MoneyGram)  Part I: 



* Bitcoin Via M-Pesa Takes On S. America And Africa (Say Goodbye To Western Union And MoneyGram)  Part II: 

















































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NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

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Our New Layaway Plan Adds Convenience For Online Shoppers










DPL-Surveillance-Equipment's layaway plan makes it easy for you to buy the products and services that you want by paying for them through manageable monthly payments that you set. Our intuitive calculator allows you to break down your order's purchase price into smaller payment amounts. Payments can be automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment® Services and you will receive your order once it's paid in full. Use it to plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!


DPL-Surveillance-Equipment's Customers can now use the convenience of layaway online to help them get through these tough economic times.

We all shop now and then just to face a hard reality -- big credit card bills. However, our latest financing innovation can help you avoid that. Find out why more and more shoppers are checking out DPL-Surveillance-Equipment's e-layaway plan.

If you're drooling over a new nanny camera, longing for a GPS tracker, or wishing for that spy watch, but you're strapped for cash and can't afford to do credit, do what Jennie Kheen did. She bought her iPod docking station (hidden camera w/motion-activated DVR) online using our convenient lay-away plan.

Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.

In three months, Kheen had paid off the $650.00 iPod docking station. She paid another 3.9 percent service fee, which amounted to about $25.35 (plus $12.00 for shipping) for a total of $687.35.

"You pay a little bit each month," Kheen said. "It's paid off when you get it and you don't have it lingering over your head. It's great."

Flexible payment terms and automated payments make our layaway plan an affordable and fiscally responsible alternative to credit cards.

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Select the items or service you want and choose "e-layaway" as your payment option. Our payment calculator makes it easy for you to set up your payment terms.

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Payments are made on the schedule YOU set. Check your order status or adjust your payments online in a secure environment.

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Receive the product shortly after your last payment. The best part, it's paid in full... NO DEBT.

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* Our lay-away plan offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.

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* If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, our e-layaway is the smart choice for you.

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* Similar to traditional layaway, e-layaway lets you make regular payments towards merchandise, with delivery upon payment in full. Payments are automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment®

A Tool for Planning Ahead:

* Our e-layaway makes it easy for smart shoppers like you to plan ahead and buy items such as bug detectors, nanny cameras, audio bugs, gps trackers, and more!

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Our e-layaway makes shopping painless by eliminating hidden charges and monthly interest fees. Our customers pay a flat transaction fee on the initial purchase price.

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DPL-Surveillance-Equipment has partnered with trusted experts like McAfee and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into our e-layaway system to prevent fraudulent purchases.

Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart
DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.


Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!
DPL-Surveillance-Equipment.com

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posted by DPL-Surveillance-Equipment | 8:58 AM

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