Abstract
Overview
Introduction
The Payment Card Competitor Tracker provides expert analysis and opinion on
the strategic moves of leading competitors in the payment cards market.
Produced on a quarterly basis, the Tracker is a global product and
consistently covers players such as American Express, Barclaycard, Capital
One, Citigroup, Discover, GE Consumer Finance, First Data, HSBC, JCB,
MasterCard, Standard Chartered and Visa.
Reasons to Purchase
- Gain invaluable information on your key competitors in one concise document
- Keep fully informed of the market, product, competitor and strategic
developments of leading players in the market
- Learn the Datamonitor Cards & Payments Team' s view on the most important
competitor developments in the quarter
Table of Contents
- Overview
- Catalyst
- Summary
- Methodology
- Table of Contents
- Introduction
- Who is the target reader?
- Changes to the format of the Competitor Tracker in 2007
- The Payment Card Competitor Tracker is now organized by theme
- An extended, topic driven commentary replaces the Cards & Payments
Team view
- How to use the Payment Card Competitor Tracker
- Product, Services, and Innovation
- Roundup of the key developments in Q3 2007
- Card product developments
- Opportunities for co-branding are increasingly rare, but there have
been some interesting launches
- In terms of other product developments, Barclaycard' s new "Breathe"
product is one of the first "green" cards on the market
- New Payment Technologies
- A key area of development has been contactless payments
- Issuers are showing increasing interest in the application of mobile
payments and banking services
- ANZ Bank
- Australia: ANZ announces reduction in credit card exception fees to
A$10
- American Express
- Global: American Express faces travel insurance lawsuit
- Singapore: DBS and American Express launch credit card for travellers
- US: American Express announces an expansion in the acceptance of
ExpressPay
- Bank of America
- Canada: MBNA and Futura Rewards launch co-brand
- Barclaycard
- UK: Barclaycard launches ' green' credit card
- UK: Barclaycard launches contactless credit card
- US: Barclays launches co-brand with US Airways
- Capital One
- UK: Capital One launches new credit card
- Citigroup
- China: Citibank launches first drive-through ATM
- Malaysia: Citibank launches mobile bill payment service
- Malaysia: Citibank launches mobile World Privilege service
- Philippines: Citibank announces reward points raffle
- Singapore: Citibank launches low-limit card
- Singapore: Citibank launches three-in-one card
- US: Citi and Obopay announce mobile payment trial
- Discover
- US: PULSE expands PIN-less recurring debit feature
- Grupo Santander
- UK: Abbey to launch new cash back credit card
- JCB
- Taiwan: JCB launches contactless payments in Taiwan
- MasterCard
- Canada: MasterCard announces first EMV card purchase
- Ireland: MasterCard to help AIB convert debit cards to Maestro
- US: MasterCard announces expansion in the acceptance network for
PayPass
- US: Central Bancompany to issue PayPass debit cards
- US: MasterCard launches discount program for business card holders
- RBS
- UK: RBS launches mobile banking service
- Visa
- Asia Pacific: Visa announces that 20% of its cards are now EMV standard
- Singapore: UOB launches a contactless credit card with cash rebate
- Spain: Contactless payments introduced in Madrid
- Taiwan: Visa to implement mobile platform
- US: Visa launches contactless payments-enabled key fob
- US: Shell rolls out Visa partial authorization solution for prepaid
cards at US pumps
- Westpac
- Australia and New Zealand: Westpac unveils new responsible lending
initiative
- Papua New Guinea: Westpac Bank introduces money transfer services
- Other
- China: China UnionPay to offer mobile payment service for utility bills
- Malaysia: EON Bank to issue contactless debit cards
- M&A, Partnerships and Organic Growth
- Roundup of the key developments in Q3 2007
- The third quarter was relatively quiet in terms of mergers and
acquisitions.
- RBS continues to move towards acquiring ABN Amro
- Meanwhile, American Express has spun off its banking arm to Standard
chartered
- In a move to better target the prepaid market, Capital One acquired
Netspend
- HSBC has been increasing its interests in the Asia Pacific region
- Several issuers seem to prefer organic growth when expanding into new
markets - notably China
- There has been more activity on the partnerships front
- American Express and GE Money have been concentrating on growing
their cards businesses by issuing through partners in different countries
- Activity on the processing side has been brisk
- First Data has been acquired by KKR
- TSYS has also been active in Europe and the US
- ANZ Bank
- Vietnam: ANZ unveils plans for new branches
- American Express
- Japan: Mitsubishi UFJ to issue American Express branded products
- Kazakhstan: American Express launches cards in partnership with
Kazkommertsbank
- US: Harris Bank to issue American Express branded products
- Barclaycard
- UK: Barclaycard renews processing contract with TNS
- BBVA
- Latin America: First Data and BBVA Bancomer extend payment processing
contract
- US: BBVA completes acquisition of Compass Bancshares
- Capital One
- US: Capital One announces acquisition of NetSpend
- Citigroup
- China: Citibank receives regulatory approval for Dalian branch
- Mexico: Banamex launches co-brand with national football team
- Taiwan: Citibank launches multi-retail co-brand
- Discover
- US: Discover expands debit relationship with Bank of America
- First Data
- Brazil: First Data announces acquisition of Check Forte Processamento
de Dados
- Germany: First Data gains approval to provide debit card processing
- Germany: First Data to provide prepaid card processing for Dresdner
Bank
- Germany: First Data announces processing deal with Dresdner-Cetelem
Kreditbank
- Latin America: First Data and BBVA Bancomer extend payment processing
contract
- Poland: First Data finalizes acquisition of POLCARD
- UK: First Data to take on Experian' s processing business
- US: First Data announces mobile banking partnership with mFoundry
- Global: First Data announces processing partnership with Chordiant
- Global: First Data shareholders approve KKR merger proposal
- Global: KKR completes acquisition of First Data
- GE Money
- India: GE Money announces credit card issuing JV with LIC
- Japan: GE Money to issue American Express branded products
- Poland: GE Money acquires majority stake in Bank BPH
- US: GE Money acquires Chevron' s credit card portfolios
- US: GE Money and Provident Bank to jointly provide credit cards
- HSBC
- China: HSBC establishes Shenyang office
- China: HSBC enters China' s rural market
- South Korea: HSBC announces acquisition of majority stake in KEB
- Vietnam: HSBC to increase shareholding in Techcombank to 15%
- JCB
- Japan: Growth in acceptance for JCB cards issued outside Japan
- Japan: Hitachi and JCB join forces for biometric payments
- JPMorgan Chase
- China: JPMorgan Chase wins approval to incorporate in Beijing
- KBC
- Russia: KBC to acquire Absolut Bank
- RBS
- China: RBS establishes office in Beijing
- South Korea: RBS in negotiations to open first branch
- UK/ Netherlands: RBS shareholders back ABN Amro bid
- Standard Chartered
- China: Standard Chartered planning to launch credit cards
- Global: Standard Chartered to acquire American Express Bank
- TSYS
- Russia: Tinkoff Credit Systems selects TSYS to provide credit card
services
- UK: TSYS and Lloyds TSB deliver new prepaid card for migrant workers
- UK: TSYS signs card processing agreement with Nationwide
- US: TSYS and First Horizon to offer healthcare payment card
- US: TSYS to provide merchant processing services to Veracity
- Staffing and Strategy
- Bank of America
- US: Bank of America increases ATM fees for non-customers
- Barclaycard
- US: Barclays announces staff change
- US: Barclays passes major outstandings milestone
- Discover
- Global: Discover announces board changes
- Visa
- Appendix
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
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