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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.

1 course, 12 segments, 6-month unlimited access after enrollment.

The 12 online courses included in this bundle include:

  1. The Macro Economic Environment: Puts payments within the context of the changing global and local economy.
  2. The Role and Value of Payments: Examines the role and evolution of payments within banking.
  3. Profitability Principles and Models: Explores multiple methodologies for card profitability and examines how product types can influence each approach.
  4. Measure to Manage: Looks at the importance of meaningful measurement in order to better manage your payments business.
  5. Debit Profitability: Identifies the product specific components of debit card profitability.
  6. Credit Profitability: Focuses on the cost, revenue and wider influences on credit card profitability.  
  7. Prepaid Profitability: Shows how prepaid profitability is heavily dependent on the type of prepaid card that is issued.
  8. Acquiring Profitability: Examines the differences between acquiring and issuing profitability.
  9. Pricing for Profit: Explores the potential for improving profitability by changing the pricing of card products.
  10. Portfolio Management: Extracts the full potential from a card portfolio, accepting that profits come from specific behaviors and are not derived equally from all cardholders.
  11. Market Factors that Influence the P&L: Explores the importance of the profit and loss (P&L) statement as a reflection of business performance.
  12. Potential Impact of Regulation: Examines the increasing impact of payments regulation.

Who Should Attend 

Middle and senior management personnel involved in strategy and business planning, marketing, risk management, systems and operations

Course Details:

Language
  • English
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