Quote Originally Posted by GMAhead View Post
That is a great point and one that I would guess the answer to be no. But, even without passing the savings onto consumers, their small business customers would see more cahflow/working capital. And that is a positive for business and the economy. And it is cheaper for the consumer albeit the smarter consumer who does not buy all of their christmas gifts on credit (sidewalkers).
A fair point. I'm curious how they go about convincing consumers that it's worthwhile to go this route vs credit cards. Because though you could be right--better small business cashflow may be better for the economy--I'm not convinced to switch it up... Yet!

Side note: Groupon's business model is recieving something like 60% of each sale from each business minus credit card fees. On a grand scale (a scale where dwolla is really capturing market share from the big CC companies), Groupon would see a real difference. A difference that they would love to see as they were operating from negative working capital pre-ipo.
A real Grand Slam for both Dwolla and Goupon? Have a Groupon introduce Dwolla somehow. Wouldn't cost either company a penny and have Groupon offer an additional 2-3% off (the CC fees) on every purchase that the consumer uses dwolla.
That would be interesting. Really, you could almost apply that to any business that sells things I would think. If anything, the more they sell the more appealing it should be; that is, excluding any other issues that would be associated with Dwolla.