Understanding Credit Card Profitability

This executive report advises on current global best practice in omni-channel banking through a selection of case studies from around the world. It seeks to offer an optimal approach to the development and implementation of an omni-channel banking strategy. The report focuses on the role, nature and trends in the core components of such a strategy. It assesses how channels best work individually and in combination to support or create a profitable retail banking business based on three high-level objectives; representing and projecting the bank brand; protecting and developing the bank’s existing customer base; and, acquiring new customers.

 

key info and pricing

Published: February 2015
Pages: 184
Author: David Cavell
Price: £1,300 (standard PDF – see order form for other licence options)

RBR executive reports

This report is part of RBR’s “Executive Report” series which provides expert opinion on topical issues in the banking automation, ATMs, cards and payments sectors.

The reports provide a mix of information, analysis, insights and implications and are aimed at senior executives or others looking for informed commentary on key industry issues.

contents

CASE STUDIES

  • American Express (Amex), USA
  • ANZ Banking Group, Australia
  • Chase Bank (JPMorgan Chase Group), USA
  • Dubai Islamic Bank (DIB), UAE
  • MBNA, UK (Bank of America Group)
  • UniCredit Bulbank, Bulgaria
  • Vanquis Bank, UK
  • Wells Fargo and Company, USA

MARKETING AND MARQUES

  • The credit card portfolio
  • Product development issues
  • The product launch project
  • MasterCard Europe
  • Visa Europe

contents (continued)

CREDIT RISK STRATEGY

  • The credit strategy function
  • Scoring and analytics for consumer cards
  • Risk management for the SME sector
  • Advanta, USA
  • Critical management functions

OPERATIONAL OVERVIEW

  • Risk management operations
  • Other operational areas
  • Outsourcing – the rationale
  • The outsourcing partnership
  • External debt collection agents

SECTION E: CREDIT CARD PROFITABILITY

  • Account base development
  • Income from lending and other sources
  • The cost base