Card Strategy

Learn how to create, launch, manage, and market profitable card programs. Then test your portfolio and lifecycle management strategies in the simulation competitions at our special events.

Events & Workshops

Build an Effective Card Portfolio

Build an Effective Card Portfolio

Are you responsible for building a successful card portfolio? Get the latest insights and industry guidance from payments expert, Peter Hall from Intuition International. In this 2-day course, you will learn the impact of cards on retail banking and how to set up a card program for long-term success. You will explore the interdependencies of issuers and acquirers, and how to use technology to achieve the best outcomes. Peter will also share numerous best practices and success stories from other organizations throughout the world. From strategy, to positioning, to marketing, to risk management – you will gain a solid understanding of the foundational elements of what it takes to build an effective card business. This content is also available in an online course.

2-day workshop.


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Card Profitability

Card Profitability

Learn what it takes to run a profitable payments business. This two-day workshop examines the macro-economic environment, the value of payments and the typical business models used within the industry. It also covers the core economic components of issuing and acquiring. You will learn about the primary drivers of cost and revenue for consumer products and for merchant acquiring. The examples will help showcase how these profitability principles work in real life. By the end of the course, you will have a clear understanding of how to make your existing business more profitable by leveraging information, applying customer knowledge, and implementing variable pricing, within a "test and learn" discipline.

2-day workshop

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Credit Card Product Disintermediation

Credit Card Product Disintermediation

Credit cards are a unique consumer product offering as they provide a convenient means of making payments, as well as borrowing money. Profitability of credit depends upon an appropriate mix of both behaviors, and competition has never been greater. Join industry expert and finance author Jeff Slawsky, live online, as he explores how such competition is eroding both payment volume and loan balances on credit cards and what you can do to combat current trends. 

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International Bankcard Management School (IBMS)

International Bankcard Management School (IBMS)

This year's premiere training event with payments

Are you interested in learning how to run a successful bankcard business? This five-day event delivers the practical knowledge and hands-on experience you need in today’s competitive market. Whether you are new to the industry, or an experienced veteran, you will get answers and insights on card profitability, marketing, risk management, data analysis, and a chance to test your skills in the simulation competition. Join global peers, industry leaders, and Visa experts for this action-packed week of real-world education and networking.

5-day event

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Managing Payments in Difficult Times

Managing Payments in Difficult Times

How can you manage your card business in difficult times? Join Peter Hall, live online, as he explores the potential for a card business to survive and thrive when market conditions change. He will discuss how market fluctuations, competition, and regulatory intervention can impact margins.  He will share his thoughts on how new technology and changing consumer expectations impact success.  You will also have a chance to share your ideas and ask questions using the online polls and chat features.

2 hours

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Strategies for Driving Card Portfolio Growth

Strategies for Driving Card Portfolio Growth

Managing the growth of your card program is critical to its success. This two-day course addresses the strategies and techniques you should consider as your card portfolio grows. Payments expert Peter Hall from Intuition International, will guide you through the state of the industry, the importance of metrics, lending, pricing, and how to best manage the customer experience. He will also discuss marketing and channel management strategies, loyalty and reward programs, as well as how to get more value through partnership marketing. This course includes plenty of group discussion, as well as the sharing of success stories and best practices. Much of this content is also available in an online course.

2-day workshop,

Note: This course was formerly Card Program Management – Level 2.

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Visa Global Challenge

Visa Global Challenge

Can you build a profitable payments portfolio in 10 weeks? Grab three colleagues and join the Visa Global Challenge, an online learning event and team-based competition, to find out. During this 10-week program, your team of four will compete against other teams from around the world to see who can build the most successful credit, debit and acquiring portfolio in a fictitious marketplace. Spend a few hours a week reviewing market data, learning new payment skills, reviewing market data, and entering decisions into the simulation tracker. At the end of each two-week period, you can see how your portfolio is performing against the other teams.

10-week event, teams of 4 people.

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Bundled Courses

Build an Effective Card Portfolio

Build an Effective Card Portfolio

Are you responsible for building a successful card portfolio? Get the latest insights and industry guidance from payments expert, Peter Hall from Intuition International. In this online course bundle, you will learn the impact of cards on retail banking and how to set up a card program for long-term success. You will explore the interdependencies of issuers and acquirers, and how to use technology to achieve the best outcomes. Peter will also share numerous best practices and success stories from other organizations throughout the world. From strategy, to positioning, to marketing, to risk management – you will gain a solid understanding of the foundational elements of what it takes to build an effective card business. This content is also available in a three-day workshop.

12 courses, 6 month unlimited access after purchase.

Note: This course was formerly Card Program Management – Level 1.

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Card Profitability

Card Profitability

Gain a comprehensive overview of the profitability of the payments business. This online course examines the macro-economic environment, the value of payments and the typical business models used within the industry. It also covers the core components that define the economics of issuing and acquiring. You will learn about the primary drivers of cost and revenue for consumer products and for merchant acquiring and see some marketing examples of these profitability principles at work. By the end of the course, you will have a clear understanding of how to make your existing business more profitable by leveraging information, applying customer knowledge, and implementing variable pricing within a "test and learn" discipline. Much of this content is also available in a two-day workshop.

12 courses, 6 month unlimited access after purchase.

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Strategies for Driving Card Portfolio Growth

Strategies for Driving Card Portfolio Growth

Managing the growth of your card program is critical to its success. This online course bundle addresses the strategies and techniques you should consider as your card portfolio grows. Payments expert Peter Hall from Intuition International will guide you through the state of the industry, the importance of metrics, lending, pricing, and how to best manage the customer experience. He will also discuss marketing and channel management strategies, loyalty and reward programs, as well as how to get more value through partnership marketing. Peter also shares success stories and best practices throughout the online course. Much of this content is also available in a two-day workshop.

11 courses, 6 month unlimited access after purchase.

Note: This course was formerly Card Program Management – Level 2.

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VTS-CS for Visa Claims Resolution (VCR) Test Data

VTS-CS for Visa Claims Resolution (VCR) Test Data

The Visa Training System-Clearing and Settlement (VTS-CS) “How to” videos provide demonstrations of a variety of functions that allow for requesting test data for VCR testing within the VTS–CS.

6 videos, 6 month unlimited access after purchase.

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Online Courses

Acquiring Fundamentals

Acquiring Fundamentals

Learn more about the business of acquiring. This webcast explains the ways in which today’s banks can use dynamic payment mechanisms to build merchant relations and increase profitability. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 30 minutes, 6 month unlimited access after purchase.

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Acquiring Profitability

Acquiring Profitability

This webcast, led by payments industry expert Peter Hall, differentiates acquiring from issuing profitability. It explores the scale of opportunity in acquiring, but also examines the more limited range of revenues and the dominance of key costs. The module focusses on the heavy dependency on getting the right mix of scale, margin and segmentation. This course is included in the Card Profitability bundled course.

1 course, 35 minutes, 6-month unlimited access after purchase.

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Build an Effective Card Portfolio - Summary

Build an Effective Card Portfolio - Summary

As you look at building a profitable card portfolio, it is important to understand why you are in the payments business and what you can do to succeed. This course summarizes the key drivers for success. Peter reviews consumer behavior, leveraging information, and working to build a profitable client base. This course is included in the Build an Effective Card Portfolio bundled course.

1-course, 20 minutes, 6 month unlimited access after purchase.

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Cardholder Communication

Cardholder Communication

How do we reach and service customers? And how do we get our card to be used—not just the first time but every time? This webcast discusses cardholder communication channels and the marketing life cycle from card activation through customer retention, covering leverage points, channel maximization, barriers, and success factors. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Cards & Consumer Banking

Cards & Consumer Banking

Build a profitable payment card program. This webcast discusses how banks can use dynamic payment mechanisms to develop and keep customer relations, and build profitability. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 30 minutes, 6 month unlimited access after purchase.

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Credit Profitability

Credit Profitability

This webcast, led by payments industry expert Peter Hall, focuses on the cost, revenue and wider influences on credit card profitability. While identifying the primary costs and revenues, it gives particular attention to the key drivers, from net interest margin and cost of funds, to interchange and credit losses. It also looks at the cost/revenue evolution in the face of changing national economics and consumer behavior. This course is included in the Card Profitability bundled course.

1 course, 35 minutes, 6-month unlimited access after purchase.

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Credit Risk

Credit Risk

What is your organization’s appetite for risk? In this webcast we will go over the credit risk life cycle—both pre-issue and post-issue—credit scoring, and managing customers while balancing risk and profitability. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 50 minutes, 6 month unlimited access after purchase.

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Credit Risk Management for Existing Accounts

Credit Risk Management for Existing Accounts

The right tools and strategies helped you acquire the most profitable credit card customers. Now it’s time to take a look at the power of behavioral scorecards. These analytical tools can help you better manage risk and attrition through effective account management strategies. In this online course, Elina Rodriguez, an expert in the field of scorecard development and implementation, shares insights on what you should consider when developing and utilizing behavioral scorecards.

1 course, 40 minutes, 6 month unlimited access after purchase

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Credit Risk Management for New Accounts

Credit Risk Management for New Accounts

The profitability of your portfolio depends on how well you manage the credit risk for new accounts. In this online course, you will receive an overview of credit risk, the importance of managing this risk, and how scorecards (analytical tools) can help you identify the most trust-worthy applicants. You will also learn how to design, develop and utilize scorecards so that you can help your organization devise approval strategies that control risk while maximizing approvals.

1 course, 45 minutes, 6 month unlimited access after purchase.

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Debit Profitability

Debit Profitability

This webcast, led by payments industry expert Peter Hall, identifies the product specific components of debit card profitability. It looks at the financial dynamics of debit within the wider account relationship, examining the economic interaction of card to account. It includes discussion of the primary drivers of cost and revenue, and gives ideas for how debit card profitability can be enhanced. This course is included in the Card Profitability bundled course.

1 course, 35 minutes, 6-month unlimited access after purchase.

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Driving Credit Usage

Driving Credit Usage

Using practical examples from the front line and in depth analytics, the Driving Credit Usage webcast will outline the distinct and separate requirements for credit and debit card marketing. Learn more about leveraging card perceptions, usage and the kind of margins that are in play, and review several practical examples to generate ideas that you can take back to your organization. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 25 minutes, 6 month unlimited access after purchase.

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Driving Debit Usage

Driving Debit Usage

Debit usage typically starts small, is cash-dominated, but evolves over time. This webcast will review debit card usage tactics that help you move through the natural evolution way from the cash-only experience. Discover new ways to move from low use, to occasion use, to habitual, and ultimately to the preferred card. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Fraud Risk

Fraud Risk

What are the major concerns relative to card fraud currently? This webcast provides an overview of card fraud, trends, and types, along with strategies to consider based on market conditions and ways to mitigate risk. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Issuing Fundamentals

Issuing Fundamentals

Learn more about the business of issuing. This 30 minute webcast focuses on the issuer strategies needed to develop and market card products that successfully align with consumer payment needs. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 30 minutes, 6 month unlimited access after purchase.

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Loyalty & Retention

Loyalty & Retention

It is generally true that cardholders who stay long are more profitable. But what is it that makes them stay? Examine the nature of loyalty and how it evolves in the Loyalty and Retention webcast. We will explore the initial proposition, points, frequent flier miles, cash back or experiential elements and how you can best move between them. We will also take a look at products and the effect that has on your customer relationships. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Managing the Customer Experience

Managing the Customer Experience

The customer experience starts when you apply for a card. The Managing the Customer Experience webcast will cover how you think about engaging with the customer from the very first moment. WE will review different techniques you can use to provide service, and the effectiveness of each. Learn how customer service can be a competitive differentiator and the sustainable advantage when giving it greater focus. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Market Factors that Influence the P&L

Market Factors that Influence the P&L

This webcast, led by payments industry expert Peter Hall, explores the importance of the profit and loss (P&L) statement as a reflection of business performance. It looks at a breakdown of the components and shows the value of not just identifying the key components, but of understanding how and why they change over time. The module gives examples of different P&Ls, giving insights into what to look for and how to manage them better. This course is included in the Card Profitability bundled course.

1 course, 40 minutes, 6-month unlimited access after purchase.

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Measure to Manage

Measure to Manage

This webcast, led by payments industry expert Peter Hall, looks at the importance of meaningful measurement in order to better manage your payments business. It explores what to measure, how to interpret measurement and how to best react to it. The module includes a discussion of the value of benchmarking in driving measurement to action. This course is included in the Card Profitability bundled course.

1 course, 30 minutes, 6-month unlimited access after purchase.

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New Tactics in Profitability

New Tactics in Profitability

Are you interested in taking a new approach to recognize the nature of markets and the contraction of margins? The New Tactics in Profitability webcast will explore new ideas on how you can focus on cost production and revenue increases to achieve the results you desire. Learn more about the evolution of card payments and how that influences your bottom line. Using real-world examples, we will evaluate the impacts of specific programs and services have on profit. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Partnership Marketing: Co-Branding & Affinity Programs

Partnership Marketing: Co-Branding & Affinity Programs

How can your business benefit from working together with another organization and what makes it successful? In the Partnership Marketing webcast you will learn about partnership marketing and co-branding, as well as affinity programs which often have a charitable dimension. It can be much more than brands coming together. Explore how leveraging the strengths of both sides allows you to achieve what you could never do on your own. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Performance Management

Performance Management

Successful card programs begin with an understanding on where you stand in comparison to the industry, and how you react to key measurements. Using real world examples, this webcast will provide essential insights that drive portfolio growth through benchmarks, trends and best practices. Learn about important key strategies that will help you protect, preserve and grow your card business. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Portfolio Management

Portfolio Management

This webcast, led by payments industry expert Peter Hall, is all about extracting the full potential from a card portfolio, accepting that profits come from specific behaviors and are not derived equally from all cardholders. It demonstrates that careful use of data can reveal multiple opportunities for better management of the business. The module recognizes the merit of differentiating customer treatment depending on their transacting, revolving and repayment behavior. This course is included in the Card Profitability bundled course.

1 course, 30 minutes, 6-month unlimited access after purchase.

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Potential Impact of Regulation

Potential Impact of Regulation

This webcast, led by payments industry expert Peter Hall, explores the increasing impact of payments regulation. It looks at the nature of regulation, from use of data and more open access, to specific measures that impact the balance sheet. The module includes an examination of interchange regulation in different markets, with a discussion of potential reactions to those circumstances. This course is included in the Card Profitability bundled course.

1 course, 30 minutes, 6-month unlimited access after purchase.

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Prepaid Profitability

Prepaid Profitability

This webcast, led by payments industry expert Peter Hall, demonstrates that prepaid profitability is heavily dependent on the type of prepaid card that is issued. It identifies, with examples, the significantly different formulas for profitability, comparing and contrasting the balance of cost and revenue mix for one card type vs. another (i.e., gift cards compared to payroll cards). This course is included in the Card Profitability bundled course.

1 course, 35 minutes, 6-month unlimited access after purchase.

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Pricing for Profit

Pricing for Profit

This webcast, led by payments industry expert Peter Hall, explores the potential for improving profitability by changing the pricing of card products. It discusses the consumer appetite for higher prices, but also examines how product features can be meaningless if given away. The module looks at how to communicate the value of a product proposition – consumers will always pay if they sufficiently value what is offered. This course is included in the Card Profitability bundled course.

1 course, 40 minutes, 6-month unlimited access after purchase.

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Profitability

Profitability

In this webcast, Peter Hall reviews the primary cost and revenue drivers of credit, debit, and prepaid card programs; how to measure and balance them taking into consideration portfolio composition, the market, and the economy; and how to focus on what can best contribute to the bottom line. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 40 minutes, 6 month unlimited access after purchase.

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Profitability Principles and Models

Profitability Principles and Models

This webcast, led by payments industry expert Peter Hall, explores multiple methodologies for card profitability, and examines how product types can influence each approach. It looks at the financial dynamics of different payment methods and shows how issuers need to focus on specific components over which they can exert control and influence. This course is included in the Card Profitability bundled course.

1 course, 35 minutes, 6-month unlimited access after purchase.

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Re-Engineering the Collateral

Re-Engineering the Collateral

Developing clear and concise marketing materials can be fundamental to managing a successful card portfolio. Whether you communicate benefits or incorporate the functions, honing in on your key message can significantly improve effectiveness. In this webcast you will enjoy several examples that outline unique perspectives to help you determine which collateral approach is right for your objectives. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 35 minutes, 6 month unlimited access after purchase.

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Scorecard Monitoring and Validation

Scorecard Monitoring and Validation

Learn about the importance of monitoring and tracking scorecards and how to evaluate their performance. Elina Rodriguez, an expert in the field of scorecard development and implementation, will take you behind the scenes and share sample scorecard monitoring and validation reports, as well as provide tips on how to interpret them. This insight will help you evaluate the performance of your current and future scorecard (tools) for sound practices, data, and methodologies.

1 course, 35 minutes total, 6 month unlimited access after purchase

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State of the Industry: Issues & Challenges Ahead

State of the Industry: Issues & Challenges Ahead

Do you need a greater awareness of what is happening today in our industry? In the State of Industry webcast we will review the nature of competition, the way in which we need to address cardholders and merchants and the kind of things that motivate them. We’ll see how regulation affects our business, including margins, and some of the predictable responses. Gain a greater awareness of some of the things that are happening in our industry and how to address those topics. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 45 minutes, 6 month unlimited access after purchase.

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Subprime Lending & Risk  Based Pricing

Subprime Lending & Risk Based Pricing

Subprime lending and risk based pricing are strategies that you might consider when you serve customers that are considered ‘risky’. If you choose to service this sector, you should take into account the things that work differently from the typical credit card program, such as balancing the risk and return. This webcast covers several special techniques that you should consider adopting when serving the riskiest customer segment or considering risk based pricing. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 40 minutes, 6 month unlimited access after purchase.

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Sub-segmentation

Sub-segmentation

In most markets, evaluating the value of the customer based on their behaviour is the most effective way to determine what portfolio segments should be focused on or treated differently. The Sub-segmentation webcast will focus on strategies to consider when you drill down to a greater level of details within your card portfolio, and suggest several approaches for each unique segment. This course is included in the Strategies for Driving Card Portfolio Growth bundled course.

1 course, 30 minutes, 6 month unlimited access after purchase.

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The Changing Payments Landscape

The Changing Payments Landscape

Are you digital native, a digital immigrant, or even a digital dinosaur? What we consider normal has evolved, and there is some relevance in that for the payments industry. In our webcast about the changing landscape, we’ll talk about what’s happening, the players involved, and the use of both mobile and social media. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 20 minutes, 6 month unlimited access after purchase.

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The Macro-Economic Environment

The Macro-Economic Environment

This webcast, led by payments industry expert Peter Hall, puts payments within the context of both the changing global and local economies. It examines the adoption of different payment products across markets and looks at how infrastructure, culture and economics impact their penetration. This course is included in the Card Profitability bundled course.

1 course, 35 minutes, 6-month unlimited access after purchase.

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The Role of Outsourcing

The Role of Outsourcing

Outsourcing various functions of a card or merchant portfolio can offer many advantages to the issuer or acquirer. This webcast outlines the roles, functions, and models of outsourcers and how they relate to back-office processing; and instructor Peter Hall delivers a detailed overview of the financial, functional, and customer-service considerations when considering an outsourcing strategy. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 25 minutes, 6 month unlimited access after purchase.

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The Value of Payments

The Value of Payments

This webcast, led by payments industry expert Peter Hall, discusses the role and evolution of payments within banking. It identifies the value of payments to a financial institution, demonstrating its full potential in contributing to the bottom line. The module also explores how payments strategy can be shaped by competitive and regulatory pressures. This course is included in the Card Profitability bundled course.

1 course, 30 minutes, 6-month unlimited access after purchase.

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Transaction Life Cycle

Transaction Life Cycle

Learn how the Visa four-party transaction processing model works. This 30 minute webcast explains how transaction data and value moves between the cardholder, merchant, acquirer, and issuer. This course is included in the Build an Effective Card Portfolio bundled course.

1 course, 30 minutes, 6 month unlimited access after purchase.

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Understanding Interchange

Understanding Interchange

Get an overview of interchange, including what it is and how it works, why it is important to the payment system and how its effectiveness is measured. This 45-minute online course also briefly reviews the global regulatory environment and the impact of regulation on interchange.

1 course, 45 minutes total, 6 month unlimited access after enrollment

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Visa Debit Product Manager Certification Program

Visa Debit Product Manager Certification Program

This course offers a comprehensive review of key industry best practices that make up a successful Debit Program. Covering all aspects of the Product Managers role in building an effective Debit program strategy, this course is a must for both new and established Product Managers who are looking to strengthen and expand their Debit Portfolio.

1 course, 2-3 hours, 6 month enrollment after purchase

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