Join us this November 12th in Mountain View, California for a one day, Advanced Workshop on Emerging Payments taught by Jay DeWitt, Russ Jones, and Allen Weinberg from Glenbrook Partners.

At this workshop, we'll be talking about the potential impacts of the current financial market crisis on the payments industry, as well as diving deep into topics such as PayPal's acquisition of Bill Me Later, and the learnings from several recent NFC trials for mobile payments.

Registration is now available online. Questions? Contact Carol Coye Benson via email at bootcamp@glenbrook.com.

Today's New York Times comments that colleges need to reform their credit card practices - "to only do business with credit card companies that steer clear of commonly used but unscrupulous credit card terms that take advantage of students. That means an end to hidden fees or unreasonable penalties, including universal default, under which interest rates go up when the customer fails to pay a bill not related to the credit card account."

The Times editorial was motivated by a study done earlier this year by the US Public Interest Research Group.

The New America Foundation has published a new paper titled "Behaviorally Informed Financial Services Regulation" by Eldar Shafir, Michael Barr, and Sendhil Mullainathan.

From the abstract: "Regulation is largely stuck in two competing models-disclosure, and usury or product restrictions. This paper explores a different approach, based on insights from behavioral economics on the one hand, and an understanding of industrial organization on the other. At the core of the analysis is the interaction between individual psychology and market competition. This is in contrast to the classic model, which relies on the interaction between rational choice and market competition."

In an article titled "Hard Charger", Stephane Fitch writes for Forbes about Visa and CEO Joe Saunders.

Dave Birch writes on the Digital Money Forum Blog about an SK Telecom presentation on their learnings from mobile payments initiatives in Korea.

In an article titled "Coalition seeks lower price for credit-card services", Laura Severs writes for Business Edge about efforts by a coalition of card-accepting businesses in Canada to fight interchange fees.

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• Cellular News: German Operators Launch Mobile Payments Service