Quadagno & Associates, Inc.

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Quadagno & Associates, Inc.
Card Technology &
Payment Systems Consulting

Quadagno & Associates, Inc., formed in 1996, consults with the following industries regarding card technology products, projects and programs:

Financial Institutions (Banks, Credit Unions, etc.)
Credit and Debit Card Processors (Visa, MasterCard, American Express)
Long Distance Carriers (MCI, GTE, Qwest Communications Int'l, Cable & Wireless)
Regional Bell Operating Companies (Bell Atlantic, Bell South, US West)
Public Transit Authorities and Agencies (see below)
Toll Collecting Authorities (see below)
Universities
Vendors marketing POS and ATM terminals, card technologies (smart, magnetic, and optical), and system integrators developing standalone stored value systems (loyalty and frequency marketing, monetary stored value, virtual and physical security systems, etc.
Associations whose members are affiliated with the marketing of card technologies

The firm works with long distance telephonies engaged in the marketing of prepaid phone cards. We assist our telephony clients in the following ways:

Expanding product characteristics to include activation of the product at the point of sale using the existing payments credit card authorization infrastructure
Creating greater operating cost efficiencies by analyzing current operating procedures and suggesting modifications as appropriate and with accompanying rationale
Assisting in the development of marketing plans and strategies for penetration of new markets such as bank ATM networks and payment processors
Establishing joint ventures with banks, networks, and bankcard associations in the development of E-Commerce and prepaid applications
Developing back office operations centers for managing the day-to-day requirements of the prepaid platform

Establishing service level performance parameters and developing measurement methods We work with organizations wishing to implement database management schemes to control their businesses and ongoing marketing efforts. Projects in which we've developed database management systems include developing database management schemes and assist clients in identifying relevant reports and formats from database design.

We work with universities to assist them in implementing student card identification programs. The suite of applications accommodated by student ID cards continues to grow, forcing universities to investigate alternatives to mag card technology. Some of the more popular applications include:

Meal plan programs
Bursar office functions, e.g., parking violations
Financial aid administration
Dormitory security access
University intranet access
Student identification and picture encoding
Academic grade tracking
Athletic and intramural sports tracking and admittance

We work with public transit agencies in the development of automated fare and toll collection systems using a variety of card technologies. Quadagno & Associates has worked (as either an employee or consultant) with:

New York City's Metropolitan Transportation Authority
New York City's Transit Authority
Triborough Bridge and Tunnel Authority
New Jersey Turnpike Authority
Seattle Metro
Washington State Ferries
Long Island Rail Road
Metro North Commuter Railroad
Metropolitan Suburban Bus Authority

Significant achievements in the smart card industry include:

Managing the systems integration teams for the deployment of smart card stored value systems in Electronic Payment Systems HQ building, CoreStates' HQ in Philadelphia and Bank of America's Concord Computing facility near San Francisco.
Began planning the migration of New York City's MetroCard transit system from mag stripe to smart card technology. Directly responsible for the creation of a new Metropolitan Transportation Authority subsidiary (the MTA Card Company) to manage this process.
Evaluating the business case and participation in the development of the implementation plan for a smart card stored value and student identification system at Florida State University. This exercise lasted two years. The first year of this analysis work occurred while working at EPS, while the last year of this effort was as a consultant to MCI's Digital Imaging business unit and FSU.
Participating in the acquisition of a consulting engagement that would evaluate the implementation of smart card contactless technology as a payment mechanism for all five transit service providers and the Washington State Ferries operating in the Seattle area.

Last Updated:
March 1st, 1999