Perspectives: Patricia McGinnis
CPI Global Summit Highlights “3G” Themes: Growth, Globalization and Governance
by: Patricia McGinnis, Mercator Advisory Group
3/28/2013
Commercial Payments International (CPI) held their annual Global Summit of commercial card and commercial payment providers in New York City last week. It continues to be a relatively high level event, with speakers that focus on the strategic issues affecting... Read More >
B2B Suppliers Beginning To See Solutions Enabling Card Acceptance For AR
by: Patricia McGinnis
3/22/2013
Limitations on supplier acceptance of purchasing cards have been one of the key factors constraining volume growth in the B2B purchasing card business. Every growing purchasing card program has dedicated resources to “supplier recruitment” and “supplier enablement,” in order to... Read More >
UK Makes Public Issue of Small Businesses Hurt by Big Companies’ Late Payment Practices
by: Patricia McGinnis
1/15/2013
In the past month, the relatively obscure topic of business to business payment terms has become headline news in the United Kingdom.  The subject of late payments has long been a key issue for the Forum of Private Business, a... Read More >
Privacy at the New Year: Are We Coming Or Going?
by: Patricia McGinnis
1/2/2013
News in mid December on two different fronts illustrated the deep gulf that separates privacy advocates from compulsive data gatherers. On the one hand, the Federal Trade Commission has taken a small step forward in requesting that some major United... Read More >
Alternative Lenders Leverage Technology to Refine Risk Assessment Capabilities For Small Business
by: Patricia McGinnis
10/31/2012
Most banking commercial lenders are still being very wary about increasing the level of lending activity to small businesses. At Money2020 last week, Jim Bruene of Netbanker happened upon a panel discussion featuring three innovators in small business commercial lending.... Read More >
National Habits Complicate Working Capital Management
by: Patricia McGinnis
8/13/2012
For many businesses, a measure of success in the treasury area is the firm’s ability to keep its days sales outstanding (DSO) as low as possible, and preferably below thirty days. Citing research from REL Consulting, a division of The... Read More >
Investor Optimism Backs Effort to Serve Small Businesses
by: Patricia McGinnis
8/1/2012
For years, many commercial banks have bemoaned their inability to efficiently deliver appropriate services to the small business market segment. Their existing corporate products are too complicated for the simpler financial needs and skills of small business executives, but trying... Read More >
Managing Expectations For Purchasing Technologies
by: Patricia McGinnis
5/2/2012
Within the past six weeks, I have attended two major conferences, each of which featured “best practices” case studies of financial supply chain management. All the hot topics were showcased, including straight through processing for “procure to pay”, ERP integration,... Read More >
Browsers Beware: Tracking Is Not Anonymous
by: Patricia McGinnis
10/13/2011
Those websites that capture and sell browser sourced data have often defended their actions by claiming that the data is anonymized or aggregated so as not to be personally identifiable. Researcher Jonathan Mayer at The Center for Internet and Society... Read More >
The “Internet of Things” Promises Unprecedented Change
by: Patricia McGinnis
8/30/2011
Driving home late one recent night, I encountered a radio talk show whose host had heard that the U.S. Transportation Department wanted on board computers to be compulsory in autos in the not too distant future. The host was working... Read More >
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