Download - Group7
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CREDIT CARDS
Group 7
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Credit Card Industry – An Overview
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Credit Card Industry Growth
Credit card totals include Visa, MasterCard, American Express and Discover
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Market Capitalization
Consumer Credit cards issued in 2008
26%
21%13%
13%
8%
6%5% 4% 4%
Wells Fargo
HSBC
US Bank
USAA
Barclays
Target
GE Money
Advanta
First National
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Ecosystem
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Ecosystem
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Ecosystem
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Ecosystem
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External Value Chain
Industry Value ChainIndustry Value Chain
Advertising
Branding
Sales
Advertising
Branding
Sales
Multi Channel
sales
Opportunity identificatio
n
Multi Channel
sales
Opportunity identificatio
n
Credit Card
Tie ups with 3rd parties
Credit Card
Tie ups with 3rd parties
Payment
Clearing
Settlement
Payment
Clearing
Settlement
Technology DevelopmentTechnology DevelopmentHRHR
IT InfrastructureIT InfrastructureRisk Management GuidelinesRisk Management Guidelines
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Process model
Card Issuing ServicesCard Issuing ServicesMerchant ServicesMerchant Services
VISA Citi CitiCard
USBank
Amazon
Cardholder makes $50
purchase VISA
Merchant sends the transaction to its merchant
service FI
The Processor sends the
transaction to the VISA network
The network sends the
transaction to the card issuing
institution
The card issuing institution bills the cardholder
$50
The merchant services FI
reimburses the merchant the
transaction less discount of about
2.2%
VISA reimburses the merchant services FI for the transaction
less fees
The card issuing bank
reimburses the network less
interchange fee
Cardholder makes $50
payment on outstanding
balance
$48.65 $0.25 $0.05 $1.05 -$50
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Priorities
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Application Framework
CustomerCustomer
Web ServerWeb Server
CC Processing Code
CC Processing Code
Clearing House
Clearing House
Customer bank
Customer bank
Merchant Bank
Merchant Bank
Merchant Account
Merchant Account
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Challenges
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Credit Card-Using ‘e’
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THANK YOU