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SEPA – Impacts on Domestic Debit Schemes
The impact of the Single European Payments Area is one |
| of the biggest developments in the European payments industry since the migration from magnetic stripe to chip technology. We are uniquely positioned to help banks understand the financial impact of SEPA on a bank’s debit and credit card business. |
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Debit Card Profitability –
Is the “poor relation”
really
a rich aunt?
Debit card issuance and |
| transaction volumes in Europe have seen sustained growth over recent years and are forecasted to continue along the same healthy curve in the coming years. Cardholder awareness of the security and convenience benefits of debit card payments over cash and cheque has fuelled the growth of Point of Sale debit spend globally. |
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Why Everybody Loves
All Things Platinum
– Or Do They?
The world seems to be turning |
| an ever-increasing shade of Platinum. What does this mean for card issuers? What does the future hold for the platinum card? What will differentiate the winners and losers in the increasingly competitive premium card space? |
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The Changing Face of Card Loyalty
What is customer loyalty? Does it simply mean having a loyalty programme? Have card loyalty programmes become so commoditised that they are no longer effective? What can be done to secure customer loyalty in the future at an affordable cost? |
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Credit Cards –
Is Differentiation the Key
to Profitability?
In everything but their shape and |
| their core function, credit cards have changed more dramatically than any other financial service offering over the past four decades.Technology and competition have driven card issuers to change the product from a generic functional piece of plastic that was founded when a restaurant goer in the USA forgot his cash and started Diners Club all those years ago to a highly sophisticated globally accepted access device. |
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