Retail Decisions are market leaders in an industry which continues to grow exponentially. They produce payment fraud systems solutions for major blue chip clients globally, though the bulk of the business is currently coming from the major reatilers both in the UK and US. They are a Techmark 100 company which means that there will always be a level of institutional interest in the company. However, on top of this "forced" interest from the tracker funds there has throughout 2005 been sustained large buying from no other than Goldman Sachs and Barclays. These institutions together now have an investment of tens of millions of shares in RTD !

Website: www.redplc.comClick here to read the old thread

Shares Magazine had a cover feature back in early April entitled "ATOMIC! - Small is about to get VERY, VERY BIG - 7 stocks for the new technology revolution". It was no surprise to see Retail Decisions as part of the selection. Here's what Shares had to say: "Retail Decisions is a specialist software developer aimed at preventing credit card fraud. It owns a database of several million dodgy credit and debit card numbers against which it crosschecks transactions, but also has developed clever software which can spot strange patterns in your spending. This system is perfect for stopping phony credit card transactions. Investors could not ask for a better pure play on rising credit card crime. Perhaps the company's biggest challenge is scale but chief exec Carl Clump is attempting to address this with aquisitions, even if opportunities seem to be few and far between. In the meantime, Retail Decisions remains concentrated on developing in the card-not-present arena, where it already has fantastic experience and technology. The drive to win new customers should also be helped by the fact that it already serves so many blue-chip customers including Marks & Spencer, T-Mobile and, most recently, Federated Department Stores, the US owner of Macy's and Bloomingdales. Let's not forget, too, the company's highly profitable fuel-card business in Australia which grew 30% last year, making this year's forecast low single-digit earnings growth look on the conservative side." Retail Decisions have continued throughout 2005 to rake in very healthy profits from the Oz. fuel card business thanks to the "bonus" of high oil prices and favourable exchange rates. In addition, the extra revenue streams from new major US corporate clients will be starting to filter through. In the US, Retail Decisions appear to be chosen on many occasions over their main rival Cybersource which indicates just how well this company is doing. The demand for card-not-present (i.e. internet/phone shopping) fraud software is going to continue to grow and grow so RTD presents guaranteed success in this arena - backed up with the cash cow fuel card business which is being extended into locations other than Australia and we have a real gem of a company. Longer term target 1+.

Item 2:

09 August 2005
RETAIL DECISIONS AND PAYMENTECH LAUNCH NEW ELECTRONIC CHECK SERVICE
Palo Alto, CA (August 9, 2005) Retail Decisions (ReD), (LSE: RTD), an international leader in payment processing and card fraud prevention services, today announced the launch of a new electronic check service in conjunction with Paymentech, a national electronic payment processor.

The electronic check service, called ReD eCheck, offers merchants electronic check processing software and conversion hardware as a single integrated solution for performing point-of-purchase (POP) and accounts receivable conversion (ARC) transactions.

By using ReD eCheck, merchants have the ability to capture and transport e-check transactions simply by scanning the paper check into a piece of hardware. The hardware captures the check information necessary to convert to an ACH transaction (customer name, check amount, account number, check number and bank routing number) and transports the information to Paymentechs processing platform.

Key benefits of the ReD eCheck service offered in conjunction with Paymentech include:
Faster settlement of funds (one to two days instead of five days or more)
Expedited return information (three to four days instead of two to three weeks)
Easy set-up and use through a secure Windows based application
Consolidated reporting of electronic check payments with other payment methods
Reduction of paper check handling costs (fully integrated check conversion hardware and intelligent character recognition technology)

ARC is the fastest growing and best performing debit application in the ACH network. In 2004 there were 1.27 billion consumer checks converted into ARC payments, and at its current growth rate, ARC may reach 2 billion payments in 2005*.

We are always looking for innovative solutions to assist our merchants in lowering their aggregate costs of check processing and in streamlining their business processes, said Greg Schaub, Senior Vice President of Business Development for Paymentech. We looked to ReD as a long-standing partner of ours to help develop a way to address these challenges through a single, fully integrated solution.

Faster funding, faster processing and faster reconciliation means that Paymentech merchants can realize true financial benefit from deploying the ReD eCheck service, stated Xavier Kris, CEO of ReD USA. We are delighted to work with Paymentech to develop this service, and it is a further testament to our reputation as an organization that rapidly responds to both merchant and partner needs.

ReD eCheck is available now. For a complimentary return on investment appraisal, please contact Retail Decisions at 401-228-2355.

About Paymentech
Paymentech, L.P. is one of the largest payment processors for businesses accepting payments via traditional point of sale, Internet, catalog and recurring billing. The privately held company, founded in 1985, is an end-to-end processor for merchants of all sizes and industries. Paymentechs 1,700 employees office in multiple locations, including the Dallas headquarters; New York; Salem, NH; Tampa, FL; and Tempe, AZ. In 2004, Paymentech and its Canadian affiliate, based in Toronto, processed 8.5 billion transactions and $200 billion in card volume in 14 currencies. For more information, please visit http://www.paymentech.com/.

Regards
opto

It all looks promising. Interims please.

hello whereis everyone ?not much to be said here as so often but 8days have I missed the launch of another new thread ?

or are you just avoiding me....;-/

Good morning Douggie, not a lot to lalk about as yet. Cast away the sad look, soon be on a rise. Keep smiling :-)

Yes.


Getting fed up with waiting.




*8-)

.

Douggie - still here.

There's been a bit of a dip in price today though look at where it currently is - smack bang in the middle of the crossing 25, 50 and 200 day moving averages.

Expect the bounce back up from here particularly now as interims are so close.

No sign of that magic number yet for me 26.

Been away on hols and returned to ....? Nothing really much. Clearly we will have to wait for interims and/or update - anything scheduled for September? Keep the faith Douggie.

Results due on Friday 9th September

Well if the trades are to be believed then lots of smaller buys and a 1m sell and a 3.7m sell though i would guess the 3.7m was a buy - whichever way the price has been released and is up 6% to 31.5/32.5

Fundy - looks like the pre-results rush has just started :-)

Keeping my fingers crossed that we can achieve 35p by results day. If not, and assuming a "carry on as normal - meeting expectations statement" with the results, we might enter into a very boring phase until December where the sp slowly moves down to about 27p ( I really hope not).

pachandl - I think that 35p is well within reach by results.

I wonder if Clumpy will be giving an "above expectations" indication for H2 with the H1 results ?

Last year they waited until around October time before issuing the bullish trading statement.

Business is sure to be better than expected again this year as a significant proportion of the income comes from the fuel card business and that will have been booming yet again thanks to the soaring oil price throughout 2005.

I hope you are correct OG. My worry is simply twofold: (1) Clump prefers to dampen down expectations until he has the s in the bag, (2) we are still nowhere near the previous high.

?

Morning all,

Have been watching this one for a while now. Looks like somebody is buying in big, another 1mil + buy just gone through.

Daws

Hi All

With results out tomorrow, there seems to be downward prressure on RTD with disproportionately high volume of sellers to buyers. Is this a preempt to unfavourable results tomorrow? Does anyone forsee what we can expect?

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