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Club Meeting 030309
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Club Meeting 030309

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Published in: Economy & Finance, Business

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  • 1. An invitation to play cards John Chaplin, First Data Corporation Copyright 2008, First Data Corporation. All Rights Reserved.
  • 2. An invitation to play cards “Payment cards: still a good deal or the next busted flush?” Copyright 2008, First Data Corporation. All Rights Reserved.
  • 3. First Data - global leader in card payments processing US$8 billion annual revenues (2007) Handling more than 30 billion transactions per year 27,000 employees speaking 75 languages Operating in all continents – business in 24 EU markets Active in all elements of card payments value chain Copyright 2008, First Data Corporation. All Rights Reserved.
  • 4. Cards on the table 4 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 5. Industry trends as a health indicator • Business volumes • Debit vs credit vs ATM • Fraud losses • Credit losses 5 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 6. Changing industry economics • Interchange • Scheme assessments • Surcharging • Credit/debit migration 6 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 7. Demutualisation of card schemes • MasterCard • Visa and Visa Europe • Short-term moves • Long-term effects 7 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 8. Where is the innovation? • Contactless • Pre-paid • Virtual • Mobile 8 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 9. Political impacts • SEPA whither or wither? • Consumer protection • Central Bank oversight • Impacts of bank bailouts 9 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 10. How good is the hand in future? 5 key conclusions • Debit card much more important than credit • Economics rapidly moving to utility model • Scheme sell-offs to have profound impact • Innovation patchy and too brand related • Political factors weighing heavily but unclear agenda 10 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 11. Jokers in the pack 11 Copyright 2008, First Data Corporation. All Rights Reserved.
  • 12. Jokers in the pack • Enforced scheme and processor separation • Major card issuer failure • Regulated monopoly status for card schemes Copyright 2008, First Data Corporation. All Rights Reserved.
  • 13. Game over! Thank you 13 Copyright 2008, First Data Corporation. All Rights Reserved.