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Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
Club Meeting 030309
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.

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