Bank analyst Dick Bove says there would be more questions and doubts about Morgan Stanley if Gorman delayed the plan.
FORBES: Facebook Problems Aside, Morgan Stanley Will Buy Bigger Stake In Smith Barney
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But bank analyst Dick Bove speculates whether Walmart is getting away with running what looks to be a banking operation but without all the banking regulations.
FORBES: Bove: Is Walmart's Banking Business Legal?
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Bank analyst Dick Bove speculates that it could be receiving a commission from American Express every time cash is loaded on to the card or that it might be sharing in the return on the float.
FORBES: Walmart Targets Unhappy Bank Customers With New Prepaid Card--Should Big Banks Be Nervous?