Transcript Credit Card Operations ppt

Credit Card
Operations
Bülent Şenver
bs@bulentsenver.com
1
Pay When?
PAY
PAY
BEFORE
NOW
LATER
• 2009
• Prepaid
Card
• 2010
• Debit
Card
• 2011
• Credit
Card
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PAY
2
Credit Cards Policy and Operations
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3
Core Banking and Processor
Activities
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4
Core Banking and Processing
Activities
Core Banking Activities
Processing Activities
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5
Credit Card Business Model
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6
Acquiring
Fraud Strategy, Risk Policy
Finance
, Marketing
IT
, Product mngt
Chargeback Operations
Customer Service
Billing, Print & Mail
Fraud Operations
Data Processing
Production & Origination applications
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7
Issuing
Fraud Strategy, Risk Policy
Finance
, Marketing
IT
, Product mngt
Chargeback Operations
Customer Service
Billing, Print & Mail
Fraud Operations
Data Processing
Production & Origination applications
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8
Card Payment Process
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Merchant Service Comission
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10
Merchant Processor, Issuing
Processor
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European Pay Now & Later Values
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Pay Now & Later
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13
Payment Card Penetration
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14
Slow down in growth
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15
POS growth
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POS
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Cash is King
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Interchange Fees
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Interchange Fees
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Turkey
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Turkey Pay Now
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Turkey Pay Later
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Turkey
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Turkey POS
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Turkey Cash is King
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Turkey Why Cards not Accepted
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Turkey
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Turkey Acquiring Banks
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Credit Card Operations
Thank you
Bülent Şenver
bs@bulentsenver.com
30