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John MacAllister has led or participated in numerous client projects involving issues of strategic direction, product and market profitability, merger and acquisition planning, and performance measurement criteria over the course of his twenty-five years in payments consulting. He has also developed microcomputer-based simulation models for use by his clients as tools for assessing risk and investment return stemming from the use of alternative payment forms and emerging delivery channels. John’s experience prior to entering the payments consulting profession includes ten years as a Vice President—Commercial Lending with Union Bank in Los Angeles, California, and four years as President...