Canadian Retailer - Store 2013 - 6

PUBLISHER'S DESK

On Silver Linings
Continuing the fight for lower interchange fees
STOR E 2013 | VOLUME 23 ISSUE 4

THERE has been a lot of recent atten-

tion to the Competition Tribunal’s
July 22, 2013 decision on the price
maintenance case brought against
MasterCard and Visa by the Commissioner of Competition. It’s rare for
a retail issue to receive the amount of
media scrutiny that this case has generated, especially in a field as specialized as competition law. So what does
the Tribunal’s decision mean and
where does it take us from here?
On the face of it, the credit card
networks won the day. The Commissioner’s case was dismissed and so
the “no-surcharging” and “honour all
cards” rules remain in place for now.
At a deeper level, however, the case
worked well for retailers: shining a
light on card network practices, highlighting a problem in the payments
marketplace, and noting the unacceptably high level of card acceptance fees paid by Canadian retailers
compared to other countries. Importantly, the Tribunal commended the
Commissioner for bringing the case,
recognized that a problem exists
that diminishes competition, and
recommended that the problem be
addressed by regulation. In doing so,
the Tribunal placed the ball squarely
in the Federal Government’s court,
effectively referring the matter to Finance Minister Jim Flaherty.
RCC has led the retail industry in
calling for a regulated solution since
2009 with the formation of the Stop
Sticking it to Us Coalition. At the
time, our approach was considered to
be a radical one, with only Australia
having gone the route of capping
interchange fees. Fast forward four
years and the situation has changed
markedly. First, the U.S. Federal Reserve moved in 2011 to cap debit
card interchange fees, and on July
24, 2013, the European Union proposed capping the fees both on debit

6|

publisher

Diane J. Brisebois
sen ior v ice-pr esiden t, member ship

Andrew Siegwart
editor-in- chief

Sean C. Tarry
(416) 922-6678 ext. 286
starry@retailcouncil.org
art direction

Scope Media
www.scopemedia.ca

and credit, which could save European retailers, and ultimately their
consumers, an estimated €6 billion
(C$8.2 billion) annually.
Far from being an outlier in calling for regulated fees, RCC was out
ahead of the issue, calling for action
that is now being taken by policymakers in most of the major western
economies to influence changes.
These changes won’t happen overnight. The European Union has been
working on the issue for a decade,
as have senior legislators in the U.S.
Congress. But the trend is clearly in
the right direction. Canada’s Minister of Finance now has the backdrop
of the Competition Commissioner’s
strong body of evidence on the negative effects of credit networks practices’, a pointed suggestion from the
Tribunal that a regulatory solution
is called for, and strong examples of
the right policy solution among Canada’s economic peers.
That’s a clear silver lining in the
wake of the July 22 decision and one
that may turn to gold for retailers as
this fight continues.
Sincerely,

Diane J. Brisebois
President and CEO
Retail Council of Canada

canadian retailer | store 2013 | www.retailcouncil.org/cdnretailer

contributors

Denise Deveau, Stuart Foxman,
Danielle Harder, Andrew Hind, D’Arcy
Jenish, David McPherson, Robert Price
d i r e c t o r o f p u b l i c at i o n s

Bob Phillips
rphillips@naylor.com
project manager

Alana Place
aplace@naylor.com
sales manager

Bill McDougall
bmcdougall@naylor.com
editorial office

1881 Yonge Street, Suite 800
Toronto, Ontario M4S 3C4
Phone: (416) 922-6678 | Fax: (416) 922-8011
www.retailcouncil.org
a d v e r t i s i n g/ p r o d u c t i o n o f f i c e

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300 – 1630 Ness Avenue,
Winnipeg, Manitoba R3J 3X1
Phone: (800) 665-2456 | Fax: (800) 709-5551
www.naylor.com
Canadian Retailer is published six times each
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Canadian Retailer - Store 2013

Table of Contents for the Digital Edition of Canadian Retailer - Store 2013

PUBLISHER’S DESK
RETAIL CURRENTS
RETAIL: AT ISSUE
STORE 2013—EVOLUTION OF RETAIL
AWARDS OF DISTINCTION
EXCELLENCE IN RETAIL AWARDS
CONFERENCE INSIGHTS
RETAIL AS A CAREER SCHOLARSHIPS
LIBRIS AWARDS
GRAND PRIX AWARDS
TABLETS CHANGING THE RETAIL EXPERIENCE
MYSTORE AS UNIQUE AS MY STORE
RETAIL COUNCIL OF CANADA—CELEBRATING 50 YEARS OF RETAIL INSPIRATION, INNOVATION AND GROWTH
50 YEARS STRONG: MOMENTOUS MOMENTS IN RECENT CANADIAN RETAILING HISTORY
STANDING UP FOR RETAILERS’ RIGHTS
CANADIAN E-COMMERCE INNOVATORS: THINKING OUTSIDE THE STORE
THE FUTURE OF RETAIL
ADVERTISERS’ INDEX
RETAIL QUICK TIPS
Canadian Retailer - Store 2013 - cover1
Canadian Retailer - Store 2013 - cover2
Canadian Retailer - Store 2013 - 3
Canadian Retailer - Store 2013 - 4
Canadian Retailer - Store 2013 - 5
Canadian Retailer - Store 2013 - PUBLISHER’S DESK
Canadian Retailer - Store 2013 - 7
Canadian Retailer - Store 2013 - RETAIL CURRENTS
Canadian Retailer - Store 2013 - 9
Canadian Retailer - Store 2013 - 10
Canadian Retailer - Store 2013 - 11
Canadian Retailer - Store 2013 - RETAIL: AT ISSUE
Canadian Retailer - Store 2013 - 13
Canadian Retailer - Store 2013 - 14
Canadian Retailer - Store 2013 - STORE 2013—EVOLUTION OF RETAIL
Canadian Retailer - Store 2013 - AWARDS OF DISTINCTION
Canadian Retailer - Store 2013 - 17
Canadian Retailer - Store 2013 - 18
Canadian Retailer - Store 2013 - 19
Canadian Retailer - Store 2013 - 20
Canadian Retailer - Store 2013 - 21
Canadian Retailer - Store 2013 - 22
Canadian Retailer - Store 2013 - 23
Canadian Retailer - Store 2013 - 24
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Canadian Retailer - Store 2013 - 27
Canadian Retailer - Store 2013 - 28
Canadian Retailer - Store 2013 - 29
Canadian Retailer - Store 2013 - 30
Canadian Retailer - Store 2013 - 31
Canadian Retailer - Store 2013 - 32
Canadian Retailer - Store 2013 - EXCELLENCE IN RETAIL AWARDS
Canadian Retailer - Store 2013 - 34
Canadian Retailer - Store 2013 - 35
Canadian Retailer - Store 2013 - 36
Canadian Retailer - Store 2013 - 37
Canadian Retailer - Store 2013 - 38
Canadian Retailer - Store 2013 - 39
Canadian Retailer - Store 2013 - 40
Canadian Retailer - Store 2013 - 41
Canadian Retailer - Store 2013 - 42
Canadian Retailer - Store 2013 - 43
Canadian Retailer - Store 2013 - 44
Canadian Retailer - Store 2013 - 45
Canadian Retailer - Store 2013 - CONFERENCE INSIGHTS
Canadian Retailer - Store 2013 - 47
Canadian Retailer - Store 2013 - 48
Canadian Retailer - Store 2013 - 49
Canadian Retailer - Store 2013 - RETAIL AS A CAREER SCHOLARSHIPS
Canadian Retailer - Store 2013 - 51
Canadian Retailer - Store 2013 - 52
Canadian Retailer - Store 2013 - LIBRIS AWARDS
Canadian Retailer - Store 2013 - 54
Canadian Retailer - Store 2013 - 55
Canadian Retailer - Store 2013 - 56
Canadian Retailer - Store 2013 - 57
Canadian Retailer - Store 2013 - GRAND PRIX AWARDS
Canadian Retailer - Store 2013 - 59
Canadian Retailer - Store 2013 - 60
Canadian Retailer - Store 2013 - 61
Canadian Retailer - Store 2013 - 62
Canadian Retailer - Store 2013 - 63
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Canadian Retailer - Store 2013 - 72
Canadian Retailer - Store 2013 - 73
Canadian Retailer - Store 2013 - 74
Canadian Retailer - Store 2013 - 75
Canadian Retailer - Store 2013 - 76
Canadian Retailer - Store 2013 - TABLETS CHANGING THE RETAIL EXPERIENCE
Canadian Retailer - Store 2013 - 78
Canadian Retailer - Store 2013 - 79
Canadian Retailer - Store 2013 - 80
Canadian Retailer - Store 2013 - MYSTORE AS UNIQUE AS MY STORE
Canadian Retailer - Store 2013 - 82
Canadian Retailer - Store 2013 - 83
Canadian Retailer - Store 2013 - 84
Canadian Retailer - Store 2013 - RETAIL COUNCIL OF CANADA—CELEBRATING 50 YEARS OF RETAIL INSPIRATION, INNOVATION AND GROWTH
Canadian Retailer - Store 2013 - 50 YEARS STRONG: MOMENTOUS MOMENTS IN RECENT CANADIAN RETAILING HISTORY
Canadian Retailer - Store 2013 - 87
Canadian Retailer - Store 2013 - 88
Canadian Retailer - Store 2013 - 89
Canadian Retailer - Store 2013 - 90
Canadian Retailer - Store 2013 - 91
Canadian Retailer - Store 2013 - 92
Canadian Retailer - Store 2013 - 93
Canadian Retailer - Store 2013 - STANDING UP FOR RETAILERS’ RIGHTS
Canadian Retailer - Store 2013 - 95
Canadian Retailer - Store 2013 - 96
Canadian Retailer - Store 2013 - 97
Canadian Retailer - Store 2013 - CANADIAN E-COMMERCE INNOVATORS: THINKING OUTSIDE THE STORE
Canadian Retailer - Store 2013 - 99
Canadian Retailer - Store 2013 - 100
Canadian Retailer - Store 2013 - 101
Canadian Retailer - Store 2013 - 102
Canadian Retailer - Store 2013 - THE FUTURE OF RETAIL
Canadian Retailer - Store 2013 - 104
Canadian Retailer - Store 2013 - 105
Canadian Retailer - Store 2013 - 106
Canadian Retailer - Store 2013 - 107
Canadian Retailer - Store 2013 - 108
Canadian Retailer - Store 2013 - ADVERTISERS’ INDEX
Canadian Retailer - Store 2013 - RETAIL QUICK TIPS
Canadian Retailer - Store 2013 - cover3
Canadian Retailer - Store 2013 - cover4
Canadian Retailer - Store 2013 - 113
Canadian Retailer - Store 2013 - 114
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Canadian Retailer - Store 2013 - 119
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