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	<title><![CDATA[merchant Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/merchant.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to merchant]]></description>
	<s:counts start="0" returned="14" found="14" />
	<language>en-us</language>
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		<title><![CDATA[Heartland Payment Systems Inc. Q3 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-360147.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Thank you. The question-and-answer session will be conducted electronically. Operator Instructions And our first question today will come from inaudible with Goldman Sachs. Unidentified Analyst  This is [John] in for Julio. I was just wondering if you could give a little bit more color...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Tue, 03 Nov 2009 10:23:07 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/card.html"><![CDATA[Card]]></category>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/heartland+payment+systems+inc..html"><![CDATA[Heartland Payment Systems Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/amex.html"><![CDATA[AMEX]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">HPY</category>
		<category domain="tickers">HPY</category>
	</item>
	<item>
		<title><![CDATA[eBay Q2 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14058_23-323743.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator Operator Instructions First up in the roster is Christa Quarles with Thomas Weisel Partners.  Christa Quarles - Thomas Weisel Partners I was wondering if you could -- you didn&#8217;t mention the wholesale part of your business as much this quarter. I was wondering if you...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Wed, 22 Jul 2009 16:10:40 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/ebay+inc..html"><![CDATA[eBay Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/sanford+c.+bernstein+%2526+co..html"><![CDATA[Sanford C. Bernstein & Co.]]></category>
		<category domain="http://resources.bnet.com/topic/retail.html"><![CDATA[Retail]]></category>
		<category domain="http://resources.bnet.com/topic/financial+accounting.html"><![CDATA[Financial Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">EBAY</category>
		<category domain="tickers">EBAY</category>
	</item>
	<item>
		<title><![CDATA[Heartland Payment Systems, Inc. Q1 2009 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-14037_23-299835.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Operator Instructions Your first question comes from the line of Anurag Rana - KeyBanc Capital Markets Inc. Anurag Rana - KeyBanc Capital Markets Inc. Just wanted to get an idea of the guidance of $0.95 to $1.00, does that include, does that take into account...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Thu, 07 May 2009 08:47:19 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/growth.html"><![CDATA[Growth]]></category>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/heartland+payment+systems+inc..html"><![CDATA[Heartland Payment Systems Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">HPY</category>
		<category domain="tickers">HPY</category>
	</item>
	<item>
		<title><![CDATA[Rewards Network, Inc. Q4 2008 Earnings Call Transcript]]></title>
		<link><![CDATA[http://www.bnet.com/2462-13071_23-274706.html]]></link>
		<description><![CDATA[ Question-and-Answer Session Operator  Operator Instructions  Your first question comes from Gary Prestopino &#8211; Barrington Research Associates. Gary Prestopino &#8211; Barrington Research Associates Just one quick housekeeping question for Chris first, can you give me a breakdown of the interest income and the interest expense for the quarter...]]></description>
		<s:doctype><![CDATA[Earnings calls]]></s:doctype>
		<pubDate>Mon, 02 Mar 2009 16:36:12 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/call+transcript.html"><![CDATA[Call Transcript]]></category>
		<category domain="http://resources.bnet.com/topic/earnings.html"><![CDATA[Earnings]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/rewards+network+inc..html"><![CDATA[Rewards Network Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
		<category domain="http://resources.bnet.com/topic/seeking+alpha.html"><![CDATA[Seeking Alpha]]></category>
		<category domain="http://rss.financialcontent.com/stocksymbol">IRN</category>
		<category domain="tickers">IRN</category>
	</item>
	<item>
		<title><![CDATA[Driving Loyalty Through Great Service And Dynamic Content]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=346919]]></link>
		<description><![CDATA[This paper explains Straight-talking tips for retailers on how to maximise the most from the customers visiting your site: creative concepts; online marketing; integrated approach online and offline; website; SEO Search Engine Optimisation or natural search; paid search; navigation; start a community. One of the ways to encourage loyalty is...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 22 Jan 2008 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/retail+company.html"><![CDATA[Retail Company]]></category>
		<category domain="http://resources.bnet.com/topic/dynamic+content.html"><![CDATA[Dynamic Content]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/imedia+communications.html"><![CDATA[iMedia Communications]]></category>
		<category domain="http://resources.bnet.com/topic/retail.html"><![CDATA[Retail]]></category>
		<category domain="http://resources.bnet.com/topic/web+site+development.html"><![CDATA[Web Site Development]]></category>
		<category domain="http://resources.bnet.com/topic/search.html"><![CDATA[Search]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
		<category domain="http://resources.bnet.com/topic/internet.html"><![CDATA[Internet]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
	</item>
	<item>
		<title><![CDATA[Affiliate Marketers Take Lessons From Media Agencies]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=347004]]></link>
		<description><![CDATA[This paper explains six key learnings that affiliate marketers should consider when running and securing affiliate programmes - to ensure maximum returns: an understanding of how marketing functions operate and how merchants work is essential; affiliate marketers need to act as a filter between merchants and affiliates; tailored reporting for...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 13 Aug 2007 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/affiliate.html"><![CDATA[Affiliate]]></category>
		<category domain="http://resources.bnet.com/topic/agency.html"><![CDATA[Agency]]></category>
		<category domain="http://resources.bnet.com/topic/media.html"><![CDATA[Media]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/imedia+communications.html"><![CDATA[iMedia Communications]]></category>
		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
	</item>
	<item>
		<title><![CDATA[A Puzzle of Card Payment Pricing: Why Are Merchants Still Accepting Card Payments?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=135745]]></link>
		<description><![CDATA[This paper presents models that explain why merchants accept payment cards even when the fees they face exceed the transactional benefits they receive from a card transaction. Such merchant behaviors can be explained by competition among merchants and/or the effectiveness of the merchant's card acceptance in shifting cardholders' demand for...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 28 Dec 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Regulation And The Marketplace]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=316782]]></link>
		<description><![CDATA[That fundamental idea has been elaborated to understand better how merchants develop reputation, and seek to signal their good character to consumers and differentiate themselves from less scrupulous merchants. While economists generally find those ideas to be quite persuasive, many others are not convinced. Demands for government regulation are often...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 14 Jan 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/government+regulation.html"><![CDATA[Government Regulation]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/university+of+alberta.html"><![CDATA[University Of Alberta]]></category>
		<category domain="http://resources.bnet.com/topic/regulations.html"><![CDATA[Regulations]]></category>
		<category domain="http://resources.bnet.com/topic/web+technology.html"><![CDATA[Web Technology]]></category>
		<category domain="http://resources.bnet.com/topic/e-business%252fe-commerce.html"><![CDATA[E-business/E-Commerce]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
		<category domain="http://resources.bnet.com/topic/internet.html"><![CDATA[Internet]]></category>
	</item>
	<item>
		<title><![CDATA[Memphis, Tenn.-Based Replacement Tire Retailer to Buy Virginia Firm.]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5553/is_200303/ai_n21785587]]></link>
		<description><![CDATA[By Jerome Obermark, The Commercial Appeal, Memphis, Tenn. Knight  Ridder/Tribune Business News    Mar. 27--TBC Corp. plans to acquire a Virginia-based tire retailer  with  112 stores in five states in a deal that may cost up to $72.5  million.    The Memphis-based...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Thu, 27 Mar 2003 23:59:59 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/tbc+corp..html"><![CDATA[TBC Corp.]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
	</item>
	<item>
		<title><![CDATA[Should You Add an Affiliate Program to the Marketing Mix?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=51146]]></link>
		<description><![CDATA[This article defines about Affiliate Program  used in market mix. In short, affiliates are "commissioned sales people" who promote a merchant's product or service on the Internet. In return, they are paid a commission for each customer they bring in. Each affiliate is given a unique string of code...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/web.html"><![CDATA[Web]]></category>
		<category domain="http://resources.bnet.com/topic/search+engine.html"><![CDATA[Search Engine]]></category>
		<category domain="http://resources.bnet.com/topic/affiliate.html"><![CDATA[Affiliate]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/search.html"><![CDATA[Search]]></category>
		<category domain="http://resources.bnet.com/topic/sales+strategy.html"><![CDATA[Sales Strategy]]></category>
		<category domain="http://resources.bnet.com/topic/web+site+development.html"><![CDATA[Web Site Development]]></category>
		<category domain="http://resources.bnet.com/topic/channel+management.html"><![CDATA[Channel Management]]></category>
		<category domain="http://resources.bnet.com/topic/sales.html"><![CDATA[Sales]]></category>
		<category domain="http://resources.bnet.com/topic/internet.html"><![CDATA[Internet]]></category>
		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
	</item>
	<item>
		<title><![CDATA[The Online Quest For New Merchants]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=54376]]></link>
		<description><![CDATA[Merchant acquirers are testing their Web sites and e–mail as account–acquisition tools‚ but old–fashioned salesmanship remains the most potent method for finding new merchants. Merchant acquirers are learning some of the lessons Internet retailers and other electronic–commerce businesses learned in 2000 and 2001.  There are few‚ if any‚ legitimate...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/web.html"><![CDATA[Web]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/card+forum.html"><![CDATA[Card Forum]]></category>
		<category domain="http://resources.bnet.com/topic/merchant+acquirer.html"><![CDATA[Merchant Acquirer]]></category>
		<category domain="http://resources.bnet.com/topic/sales+strategy.html"><![CDATA[Sales Strategy]]></category>
		<category domain="http://resources.bnet.com/topic/mergers+%2526+acquisitions.html"><![CDATA[Mergers & Acquisitions]]></category>
		<category domain="http://resources.bnet.com/topic/telemarketing.html"><![CDATA[Telemarketing]]></category>
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		<category domain="http://resources.bnet.com/topic/marketing+research.html"><![CDATA[Marketing Research]]></category>
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		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[Merchant Markets and Applications for AC/DC Switching Power Supplies, DC/DC Converters, and Telecom Rectifiers]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=100922]]></link>
		<description><![CDATA[North American and European consumption of merchant internal AC/DC switching power supplies was nearly $5.4 billion in 2001. This market is forecast to increase at a compound annual growth rate CAGR of 3.2%, reaching nearly $6.3 billion in 2006. Demand is expected to be further stimulated by changing technology, which...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Nov 2001 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/telecommunications.html"><![CDATA[Telecommunications]]></category>
		<category domain="http://resources.bnet.com/topic/power+supply.html"><![CDATA[Power Supply]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/venture+development.html"><![CDATA[Venture Development]]></category>
	</item>
	<item>
		<title><![CDATA[The Determinants of Optimal Interchange Fees in Payment Systems]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=134675]]></link>
		<description><![CDATA[A fundamental aspect of any open payment system is the interchange fee that is paid from the merchant's bank to the cardholder's bank. Using a model in which there is partial participation by heterogeneous consumers and merchants, this paper characterizes the output maximizing, profit maximizing and welfare maximizing level of...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 19 Jul 2001 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/payment.html"><![CDATA[Payment]]></category>
		<category domain="http://resources.bnet.com/topic/welfare.html"><![CDATA[Welfare]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/university+of+auckland.html"><![CDATA[University Of Auckland]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[E-commerce grows at expense of traditional sales channels]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=51051]]></link>
		<description><![CDATA[E-commerce grows at expense of traditional sales channels.  The new research, which was delivered to Jupiter's Strategic Planning Services clients, advises that traditional merchants must build unified ventures that take advantage of their off-line assets (an existing customer base, a trusted brand name, customer data, and sales and distribution...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 04 Aug 1999 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/e-business.html"><![CDATA[E-business]]></category>
		<category domain="http://resources.bnet.com/topic/merchant.html"><![CDATA[Merchant]]></category>
		<category domain="http://resources.bnet.com/topic/sales+strategy.html"><![CDATA[Sales Strategy]]></category>
		<category domain="http://resources.bnet.com/topic/internet.html"><![CDATA[Internet]]></category>
		<category domain="http://resources.bnet.com/topic/sales+force+management.html"><![CDATA[Sales Force Management]]></category>
		<category domain="http://resources.bnet.com/topic/sales.html"><![CDATA[Sales]]></category>
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