DOCSLIB.ORG

Top U.S. Issuers of Visa & Mastercard Credit Cards

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text

Load more

FOR 49 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE SEPTEMBER 2019 / ISSUE 1161 Top 150 Merchant Acquirers Worldwide Turn to page 9 for a ranking of the 150 largest merchant Top U.S. Issuers of acquirers of general purpose credit, debit, and prepaid card transactions handled during calendar year 2018. Those acquirers Visa & Mastercard Credit Cards > see p. 8 Based on Spending at Midyear Bl. U.S. General Purpose Card Brands—Midyear 2019 389 Visa, Mastercard, American Express, and Discover brand credit, debit, and prepaid cards generated 54.23 billion purchase 356 transactions from January 1 through June 30, 2019—an increase > see p. 7 Idemia and Zwipe Are Biometric Card Partners 207 The second largest payment card manufacturer in the world, 193 182 174 Idemia, has formed a partnership with Zwipe, a provider of ultra- 176 160 low-power technology used to add biometric authentication > see p. 8 74 70 67 Amazon PayCode/Amazon Cash in the U.S. 64 The U.S. has become the 20th country in which customers of amazon.com can pay cash over the counter at a Western Union (WU) location for purchases made online using Amazon PayCode. ‘18‘19 ‘18‘19 ‘18‘19 ‘18‘19 ‘18‘19 ‘18‘19 > see p. 12 Bank of Capital US Wells Chase Citi Europe Mobile Payment Association Amer. One Bank Fargo The European Mobile Payment Systems Association (Empsa) Note: Midyear spending covers January 1 through June 30. has been formed by companies in Austria, Belgium, Denmark, © 2019 The Nilson Report Finland, Germany, Norway, Portugal, Sweden, and Switzerland. > see p. 12 U.S. Visa and Mastercard Credit Card Issuers—January 1 through June 30, 2019 Verrency Cloud-Based Middleware Card issuers, account processors, and others use cloud-based The 100 largest U.S. issuers of Visa and Mastercard credit cards middleware from Verrency to launch new products and services are ranked by outstandings and total volume on pages 10 and using APIs while maintaining their existing issuing software 11. The 10 largest issuers based on outstandings collectively > see p. 6 were up 4.6% when comparing June 30, 2019 to June 30, 2018. The second 10 were up 8.8%, and the third 10 were up 2.9%. Walmart/Capital One Credit Cards The 10 largest issuers based on purchase volume collectively The first credit cards from the new partnership of Walmart and were up 7.4% when comparing the six months from January Capital One are available. The Capital One Walmart Rewards 1-June 30, 2019 to the same period the prior year. The second Mastercard offers 5% back on purchases from walmart.com, 10 were up 6.9%, and the third 10 were up 8.8%. > see p. 6 > see p. 10 INSIDE 2 – 3 Fast Facts CHARTS 7 U.S. General Purpose Cards 9 Largest 150 Merchant Acquirers 4 Investments & Acquisitions—August 2019 Midyear ‘19 vs. Midyear ‘18 Worldwide 2018 5 SoftPOS in EMEA and APAC 8 Market Share of Top 10 Global 10 U.S. V/MC Credit Card Issuers 5 Ocean Plastic Payment Cards Acquirers vs. Remaining 140 Midyear Outstandings and Volume © 2019 HSN Consultants, Inc. THE NILSON REPORT VISIT US ONLINE AT WWW.NILSONREPORT.COM SYNAPSE, which provides payment, deposit, lending, CORRECTION: In issue #1160 we published a POS terminal and investment products as APIs to fintech companies, figure for MagTek. The figure was an estimate and should has joined Cardtronics-owned Allpoint Network to give its have been marked as such. We regret the oversight. customers access to those 55,000 surcharge-free ATMs. ELAVON, a global payments provider and subsidiary of Sankaet Pathak is CEO at Synapse, [email protected], U.S. Bank, will integrate Brighterion’s artificial intelligence www.synapsefi.com. Brian Bailey is EVP and Managing platform into its network to minimize fraud and manage risk. Director, North America at Cardtronics, bbailey@ Brighterion, a Mastercard company, can analyze nearly 100 cardtronics.com, www.cardtronics.com. billion transactions annually. Ajay Bhalla is President Cyber FAST EQUIFAX plans to add consumer-permissioned data from & Intelligence at Mastercard, [email protected], Urjanet to the information available to lenders, insurers, https://brighterion.com. Tim Miller is SVP Global Credit and and other businesses looking to create a credit risk score Risk at Elavon, [email protected], FACTS by early next year. Urjanet delivers information from more www.elavon.com. than 6,500 electricity, natural gas, water, waste, cable, and COMDATA has joined Billtrust’s Business Payments Net- SEPTEMBER 2019 telecom providers in 47 countries. Sid Singh is President, work, which gives buyers the ability to automate electronic ISSUE 1161 U.S. Information Solutions at Equifax, [email protected], payments to suppliers. Comdata, the largest Mastercard www.equifax.com. No paid purchasing/fleet card issuer in North America, is responsible advertising. No WEX’S Corporate Payments division has launched a for paying more than $55 billion to 800,000 suppliers on sponsored content business segment dedicated to financial institutions and behalf of 30,000 customers. Nick Babinsky is VP & GM, Busi- of any kind. their technology providers. Corporate Payments is the fastest ness Payments Network at Billtrust, [email protected], growing line of business at Wex. Greg Sassone is VP, www.billtrust.com. Jack Sevier is Director of Product Strategy Corporate Payments, [email protected], at Comdata, [email protected], www.comdata.com. No company can www.wexinc.com. pay to be featured in PAYACTIV provides employees real-time access to up to one our newsletter. CONTROLSCAN has been selected by FIS’s Worldpay half of their earned wages prior to receiving their paycheck. merchant services division to provide managed security and The company processed more than $1 billion for U.S. workers It is never compliance services that help secure IT networks and in 2018. It uses Digital Disbursements from Fiserv to enable permissible for protect payment card data for payment facilitators. employees to push money to a checking or savings account. subscribers to Nicole Jass is SVP of Product, Merchant Services at FIS, Fiserv does this via Visa Direct. Safwan Shah is CEO at forward or print this [email protected], www.worldpay.com. Matt Loos is PayActiv, [email protected], www.payactiv.com. issue. Doing so vio- EVP of Business Development at ControlScan, mloos@ Tom Allanson is President, Electronic Payments at Fiserv, lates copyright laws. controlscan.com, www.controlscan.com. [email protected], www.fiserv.com. Conferences & Seminars Asia Global Payment Summit Next-Generation Cards 2019: Seamless West Africa 2019: CARDSESSION 2019: November 2019: October 10-11, 2019. October 15-16, 2019. The Novotel November 4-6, 2019. The 21, 2019. The Plaza Ambassador The Sofitel Bali Nusa Dua, Bali, Singapore Clarke Quay, Singapore. Movenpick Ambassador Hotel, Zlata Husa Hotel, Prague, Czech Indonesia. Estimated attendance: Estimated attendance: 250. Cost for Accra, Ghana, Africa. Estimated at- Republic. Estimated attendance: 150. Cost for the two-day confer- the two-day conference ranges from tendance: 500+. Cost for the three- 250+. Cost for the one-day confer- ence is $1,695 for full program; $120 to $750. Subscribers to The day conference is $495 ($675 with ence is $200. Subscribers to The $1,295 for one-day pass until Nilson Report will receive a 20% pre-event) until October 11 (group Nilson Report will receive a 30% October 1, 2019. Subscribers to discount. (Use code NR_NGC.) rates available). Subscribers to The discount. (Use code CARDS2019.) The Nilson Report will receive Contact Zoe Ye at APSCA, Nilson Report will receive a 20% Contact Roman Kotlan at Bank Card a 20% discount. (Use code 86 (21) 3120-0321 x17, zoe.ye@ discount. (Use code Nils20.) Association, 420 (604) 727-501, NILSONDISCOUNT.) Contact apsca.org. Register at Contact Kimberly Vorster at [email protected]. Adriana Screpnic at Currency www.apsca.org/events/ngc2019/ Terrapinn, 27 (11) 516-4034, Register at http://cardsession.com/ Research, ascrepnic@ registration. [email protected]. registration.html. currency-research.com. Register at Register at http://bit.ly/2mR7H0q. www.globalpaymentsummit.com. 2 VISIT US ONLINE AT WWW.NILSONREPORT.COM Order Back Issues / Preview Upcoming Conferences / View Newsletter Archive 1 VISIT US ONLINE AT WWW.NILSONREPORT.COM Order Back Issues / Preview Upcoming Conferences / View Newsletter Archive BLUEFIN has received U.S. Patent No. 10,382,405, Managing Payload SBM BANK in Kenya will issue prepaid UnionPay brand cards denominated Decryption Via Fingerprints, a continuation of U.S. Patent No. 9,953,316, in local currency (shillings) with yuan and USD denominations to follow next issued in April 2018. This expands Bluefin’s patent coverage of its proprietary year. Customers will be able to top up the card at SBM bank branches. fingerprinting methods and point-to-point encryption management computing Paul Kaguru is Head of Cards at SBM Bank Kenya, paul.kaguru@ systems. Ruston Miles of Chief of Strategy, [email protected], sbmbank.co.ke, www.sbmbank.co.ke. Luping Zhang is Africa General Manager www.bluefin.com. at UnionPay, [email protected], www.unionpayintl.com. EVERYWARE bills itself as a conversational payment gateway. The company’s TRIBE PAYMENTS has received certification from Visa for issuer and acquir- technology lets retailers automatically send text receipts after every purchase er processing services in the European Economic Area. The company also has to authorize and validate payments. Larry Talley is CEO, [email protected], certification from Mastercard and UnionPay. Jill Docherty is Head of Business www.everyware.com. Development at Visa, [email protected], www.visa.com. Suresh Vaghjiani is CEO at Tribe Payments, [email protected], www.tribepayments.com. FORTER’S dynamic authentication, part of its fraud prevention platform, has been integrated with Mastercard’s Smart Interface payment authentication DIVIDO, a multinational, omnichannel white-label platform provider of services.
Recommended publications
  • Biometric Cardholder Authentication Pioneering the Way with Security Why Digital Ids Won't Replace Physical Identity Cards

    Biometric Cardholder Authentication Pioneering the Way with Security Why Digital Ids Won't Replace Physical Identity Cards

    The Offi cial Publication of the International Card Manufacturers Association August 2021 Volume 31 • No. 4 Biometric Cardholder Authentication Pioneering the Way with Security Why Digital IDs Won’t Replace Physical Identity Cards Any Time Soon Selecting the Right Ink Technology for ID Card Printing Bringing Security to Contactless Biometric Payment Cards founder /executive director is published by CMA for ICMA. Please Enter the 2021 Élan Awards of Excellence! submit all articles, news releases and advertising to: | By Jeffrey E. Barnhart CARD MANUFACTURING™ C/O: CMA With hundreds of entries from around the globe each year, the Élan 191 Clarksville Road Awards of Excellence celebrate the world’s most impressive cards and Princeton Junction, New Jersey 08550 USA card technologies. The competition, which was designed to drive innovation within the card industry, recognizes Founder/Executive Director winners in three categories—card manufacturing, personalization & fulfillment and card Jeffrey E. Barnhart [email protected] suppliers. Judging is based on a quantifi able scoring system with criteria in nine categories. Winners will be announced during a special ceremony at the 2021 ICMA Card Manufacturing Operations and Member Experience Manager and Personalization EXPO from November 7-10 in Orlando, Florida. Michael Canino [email protected] Open to ICMA members only, entries for the 2021 Élan Awards of Excellence are due by Association Manager September 1. The competition honors world-class achievements in the following categories: Lynn McCullough [email protected] Secure Payments Cards; Loyalty, Promotional and Gift Cards; ID and Access Control Cards; Personalization & Fulfillment Product, Service or Project; Unique Innovation and Best Managing Editor Jennifer Kohlhepp Supplier/Vendor New Product, Service or Innovation.
  • Card Processing Guide Merchant Operating Instructions

    Card Processing Guide Merchant Operating Instructions

    Card Processing Guide Merchant Operating Instructions © 2019 GPUK LLP. All Rights Reserved. CONTENTS SECTION PAGE Welcome 1 Global Payments 1 About This Document 1 An Introduction To Card Processing 3 The Anatomy Of A Card Payment 3 Transaction Types 4 Risk Awareness 4 Card Present (CP) Transactions 9 Cardholder Verified By PIN 9 Cardholder Verified By Signature 9 Cardholder Verified By PIN And Signature 9 Contactless Card Payments 10 Checking Cards 10 Examples Of Card Logos 13 Examples Of Cards And Card Features 14 Accepting Cards Using An Electronic Terminal 18 Authorisation 19 ‘Code 10’ Calls 24 Account Verification/Status Checks 25 Recovered Cards 25 Refunds 26 How To Submit Your Electronic Terminal Transactions 28 Using Fallback Paper Vouchers 29 Card Not Present (CNP) Transactions 32 Accepting Mail And Telephone Orders 32 Accepting Internet Orders 33 Authorisation Of CNP Transactions 35 Confirming CNP Orders 37 Delivering Goods 37 Collection Of Goods 38 Special Transaction Types 39 Bureau de Change 39 Dynamic Currency Conversion (DCC) 40 Foreign Currency Transactions 40 Gratuities 41 Hotel And Car Rental Transactions 41 Prepayments/Deposits/Instalments 43 Purchase With Cashback 43 Recurring Transactions 44 Card Processing Guide © 2019 GPUK LLP. All Rights Reserved. SECTION PAGE Global Iris 47 HomeCurrencyPay 49 An Introduction To HomeCurrencyPay 49 Card Present (CP) HomeCurrencyPay Transactions 50 Mail Order And Telephone Order (MOTO) HomeCurrencyPay Transactions 52 Ecommerce HomeCurrencyPay Transactions 55 Mastercard And Visa Regulations
  • PREPAID CARD by MAIL with Any Purchase of $750 Or More Made with the Synchrony Bank Music Credit Card.1

    PREPAID CARD by MAIL with Any Purchase of $750 Or More Made with the Synchrony Bank Music Credit Card.1

    GET A $ PREPAID CARD BY MAIL with any purchase of $750 or more made with the Synchrony Bank Music credit card.1 Offer valid December 1 – December 31, 2017. Rebate form must be postmarked by January 31, 2018. Step 1: Make a single-receipt purchase with your Synchrony Bank Music credit card. Step 2: Complete this form, including mailing information and last 4 digits of the Synchrony credit card used. Name __________________________________________________________________________________________ Address ____________________________________________________________________________________ Last 4 digits of Synchrony credit card _________________________________________ City __________________________________________________________________________________________ Invoice # _____________________________________________________________________________________ State _______________________ Zip _______________________________________________________ Phone __________________________________________________________________________________________ Email (optional) _________________________________________________________________________ Step 3: Send a copy of your receipt, along with this completed form, to the address below. Music Credit Rebate Offer #5604 P.O. Box 7210 Mesa, AZ 85216 Please keep a copy of this rebate form and your original invoice for your records. Visit myrebatemanager.com or call 1-855-333-2820 to inquire about status. 1To be eligible to receive a rebate under this offer you must: (1) make a purchase of $750 or more on a single receipt from 12/01/2017 – 12/31/2017 with your Synchrony Bank Music credit card; (2) complete and submit a rebate form, together with a copy of the original receipt, that is postmarked by 1/31/2018. Cardholders who use their Synchrony Bank Music credit card for their qualifying purchase will be eligible to receive a $100 Visa Prepaid Card. Purchases with a Synchrony Bank Music credit card are subject to credit approval. One rebate per qualifying purchase valid at participating U.S. locations. See store for details.
  • List of Merchants 4

    List of Merchants 4

    Merchant Name Date Registered Merchant Name Date Registered Merchant Name Date Registered 9001575*ARUBA SPA 05/02/2018 9013807*HBC SRL 05/02/2018 9017439*FRATELLI CARLI SO 05/02/2018 9001605*AGENZIA LAMPO SRL 05/02/2018 9013943*CASA EDITRICE LIB 05/02/2018 9017440*FRATELLI CARLI SO 05/02/2018 9003338*ARUBA SPA 05/02/2018 9014076*MAILUP SPA 05/02/2018 9017441*FRATELLI CARLI SO 05/02/2018 9003369*ARUBA SPA 05/02/2018 9014276*CCS ITALIA ONLUS 05/02/2018 9017442*FRATELLI CARLI SO 05/02/2018 9003946*GIUNTI EDITORE SP 05/02/2018 9014368*EDITORIALE IL FAT 05/02/2018 9017574*PULCRANET SRL 05/02/2018 9004061*FREDDY SPA 05/02/2018 9014569*SAVE THE CHILDREN 05/02/2018 9017575*PULCRANET SRL 05/02/2018 9004904*ARUBA SPA 05/02/2018 9014616*OXFAM ITALIA 05/02/2018 9017576*PULCRANET SRL 05/02/2018 9004949*ELEMEDIA SPA 05/02/2018 9014762*AMNESTY INTERNATI 05/02/2018 9017577*PULCRANET SRL 05/02/2018 9004972*ARUBA SPA 05/02/2018 9014949*LIS FINANZIARIA S 05/02/2018 9017578*PULCRANET SRL 05/02/2018 9005242*INTERSOS ASSOCIAZ 05/02/2018 9015096*FRATELLI CARLI SO 05/02/2018 9017676*PIERONI ROBERTO 05/02/2018 9005281*MESSAGENET SPA 05/02/2018 9015228*MEDIA SHOPPING SP 05/02/2018 9017907*ESITE SOCIETA A R 05/02/2018 9005607*EASY NOLO SPA 05/02/2018 9015229*SILVIO BARELLO 05/02/2018 9017955*LAV LEGA ANTIVIVI 05/02/2018 9006680*PERIODICI SAN PAO 05/02/2018 9015245*ASSURANT SERVICES 05/02/2018 9018029*MEDIA ON SRL 05/02/2018 9007043*INTERNET BOOKSHOP 05/02/2018 9015286*S.O.F.I.A.
  • Synchrony: a Growing Credit-Card Powerhouse As It Outpaces Its Competitors, the Private-Label Giant Is Poised to See Its Shares Spike Later This Year

    Synchrony: a Growing Credit-Card Powerhouse As It Outpaces Its Competitors, the Private-Label Giant Is Poised to See Its Shares Spike Later This Year

    WSJ WSJ LIVE MARKETWATCH BARRON'S PORTFOLIO DJX MORE News, Quotes, Companies, Videos SEARCH ASIA EDITION U.S. EDITION Log In Subscribe HOME MAGAZINE DAILY INVESTING IDEAS TOP ADVISORS MARKET DATA PAID ADVISOR DIRECTORY FEATURE Synchrony: A Growing Credit-Card Powerhouse As it outpaces its competitors, the private-label giant is poised to see its shares spike later this year. Email Print 3 Comments Order Reprints By LAWRENCE C. STRAUSS February 20, 2016 Synchrony partners with 22 major retailers, including the names below, to issue private-label cards. The credit-card industry is facing head winds as major players duke it out for customers. But one part of the market isn’t getting enough credit: private-label cards, which typically are branded with one retailer and offer consumers perks that include discounts, loyalty rewards, and promotional financing. Private cards are gaining market share, growing at a 7% annual clip, compared with 5% for traditional offerings, says Bill Carcache, an analyst at Nomura Securities. The industry leader is Synchrony Financial (ticker: SYF), which was spun off from General Electric (GE) in 2014. The company has gained 12 points of market share since 2004, to an estimated 43%, according to the Nilson Report and Nomura, and its loan portfolio should grow by some 8% this year, thanks to continued market-share gains and a healthy U.S. consumer. Synchrony’s retail-card division partners with 22 merchants, including Amazon.com (AMZN) and Chevron (CVX). Synchrony “sits in the sweet spot of the [retail] payments Most Popular ecosystem, where we expect it will continue to outperform,” Carcache noted after it What Recession? GDP Set to Grow 3% announced solid fourth-quarter results on Jan.
  • A GUIDE to ELECTION YEAR ACTIVITIES of SECTION 501(C)(3) ORGANIZATIONS

    A GUIDE to ELECTION YEAR ACTIVITIES of SECTION 501(C)(3) ORGANIZATIONS

    A GUIDE TO ELECTION YEAR ACTIVITIES OF SECTION 501(c)(3) ORGANIZATIONS BY STEVEN H. SHOLK, ESQ. STEVEN H. SHOLK, ESQ. GIBBONS P.C. ONE GATEWAY CENTER NEWARK, NEW JERSEY 07102-5310 (973) 596-4639 [email protected] ONE PENNSYLVANIA PLAZA 37th FLOOR NEW YORK, NEW YORK 10119-3701 (212) 613-2000 Copyright Steven H. Sholk 2016 All Rights Reserved 776148.37 999999-00262 TABLE OF CONTENTS Page STATUTORY PROVISIONS ON CONTRIBUTIONS, EXPENDITURES, AND ELECTIONEERING ......................................................................................................... 1 STATUTORY AND REGULATORY PROVISIONS ON CONTRIBUTIONS TO AND FUNDRAISING FOR SECTION 501(c)(3) ORGANIZATIONS ................................ 159 REGULATORY PROVISIONS ON CONTRIBUTIONS, EXPENDITURES, AND ELECTIONEERING ..................................................................................................... 191 VOTER REGISTRATION AND GET-OUT-THE-VOTE DRIVES........................................ 315 VOTER GUIDES....................................................................................................................... 326 CANDIDATE APPEARANCES AND ADVERTISEMENTS ................................................ 339 CANDIDATE DEBATES ......................................................................................................... 352 CANDIDATE USE OF FACILITIES AND OTHER ASSETS ................................................ 355 WEBSITE ACTIVITIES ..........................................................................................................
  • Growth of Financial Service Sector in India

    Growth of Financial Service Sector in India

    IOSR Journal of Business and Management (IOSR-JBM) e-ISSN: 2278-487X, p-ISSN: 2319-7668 PP 24-26 www.iosrjournals.org Growth of Financial Service Sector in India Nivedhita.J Ph.D., (Part time) Research Scholar in Management, P.K.R Arts College for Women, Gobichettipalayam. I. Introduction India has a diversified financial sector undergoing rapid expansion, both in terms of strong growth of existing financial services firms and new entities entering the market. The sector comprises commercial banks, insurance companies, non-banking financial companies, co-operatives, pension funds, mutual funds and other smaller financial entities. The banking regulator has allowed new entities such as payments banks to be created recently thereby adding to the types of entities operating in the sector. However, the financial sector in India is predominantly a banking sector with commercial banks accounting for more than 64 per cent of the total assets held by the financial system. The Government of India has introduced several reforms to liberalise, regulate and enhance this industry. The Government and Reserve Bank of India (RBI) have taken various measures to facilitate easy access to finance for Micro, Small and Medium Enterprises (MSMEs). These measures include launching Credit Guarantee Fund Scheme for Micro and Small Enterprises, issuing guideline to banks regarding collateral requirements and setting up a Micro Units Development and Refinance Agency (MUDRA). With a combined push by both government and private sector, India is undoubtedly one of the world's most vibrant capital markets. II. Market Size Total outstanding credit by scheduled commercial banks of India stood at Rs 72,606.11 billion (US$ 1.08 trillion)!.
  • Worldline + Discover Global Network

    Worldline + Discover Global Network

    WL Online Payment Acceptance attract high-spending customers from around the world with Discover Global Network Accepting cards running on Discover® Global Network will provide you the opportunity to grow your online business by attracting aluent, international shoppers with high spending power to increase valuable crossborder sales. Discover Global Network is the third largest payment network in the world with over 70 million cardholders from around the globe. Access multiple cards through Discover Global Network one powerful network quick facts By accepting cards that run on Discover Global Network, it enables • 3rd largest payments network in the world you to tap into billions in international spending from multiple cards, including Discover card, Diners Club International, and • 70M+ cardholders around the globe Alliance Partners from around the globe. • 41M+ merchant locations in 185 Discover Global Network countries/territories • Discover 1 in every 4 households in the U.S. have a Discover card. • Diners Club International an exclusive payment card for aluent customers with cards issued in over 55 countries. There are millions of card members ranging from aluent personal cardholers to corporate account holders. Alliance Partners • BC Global Card South Korea’s largest payments network with 83% crossborder transactions online. • Elo Brazil’s largest network with 38% of Brazilian consumers purchasing goods online from foreign stores. an atos company Grow your cross-border sales with our partnership As a global acquirer, Worldline can help your business facilitate acceptance of valuable cross-border business through Discover Global Network. With our partnership, a single contract enables you to tap into the network’s aluent and loyal spenders.
  • Proposed Community Reinvestment Act Strategic Plan of American

    Proposed Community Reinvestment Act Strategic Plan of American

    Community Reinvestment Act Strategic Plan of American Challenger Bank, N.A. (proposed) Stamford, Connecticut November 10, 2020 CRA STRATEGIC PLAN Table of Contents SECTION 1: INTRODUCTION .................................................................................................................. 1 A. General Information .......................................................................................................................... 1 B. Bank’s Specialized Business Model ................................................................................................. 1 C. Financial Information ........................................................................................................................ 3 SECTION 2: COMMUNITY REINVESTMENT ACT ............................................................................... 4 A. CRA Requirements ........................................................................................................................... 4 B. Strategic Plan - Overall Focus, Effective Date, and Term ................................................................ 6 C. Bank’s Commitment to CRA ............................................................................................................ 6 D. Program Oversight and Resources .................................................................................................... 7 E. Development of Bank’s CRA Strategic Plan .................................................................................... 7 SECTION 3: BANK’S ASSESSMENT
  • Marketplace User Guide

    Marketplace User Guide

    U.Commerce® Central User's Guide September 2021 This document contains confidential information and may not be duplicated or disclosed to third parties, in whole or in part, for any purpose, without the prior express written consent of TouchNet Information Systems, Inc. This document contains confidential information and may not be duplicated or disclosed to third parties, in whole or in part, for any purpose, without the prior express written consent of TouchNet Information Systems, Inc. Information represented in this document is subject to development and change without notice. Copyright 2021 TouchNet Information Systems, Inc. All rights reserved. TouchNet® and the TouchNet logo are registered trademarks of TouchNet Information Systems, Inc. Other trademarks within this document are the property of their respective owners. Other product or company names may be trademarks of their respective owners. Document release date: September 13, 2021 i Contents About This Guide 1 1.0 Introduction to U.Commerce Central 3 1.1 U.Commerce Mobile 3 2.0 What's New in U.Commerce Central 5 3.0 Getting Started 7 3.1 About Multi-Factor Authentication 7 3.2 Setting Up Your MFA Account 8 3.3 Logging into U.Commerce Central Using MFA 13 3.4 Forgot Password 16 4.0 The U.Commerce Central Welcome Page 21 5.0 Editing My Profile 25 5.1 Editing the User Profile 25 5.2 Changing Your User Password 27 6.0 Viewing the U.Commerce Help 29 7.0 Administration 33 8.0 User Management 35 8.1 Creating a New User 35 8.2 Assigning User Roles and Permissions 36 8.3 Searching
  • Payments / Banking

    Payments / Banking

    Financial Technology Sector Summary June 24, 2015 Financial Technology Sector Summary Table of Contents I. GCA Savvian Overview II. Market Summary III. Payments / Banking IV. Securities / Capital Markets / Data & Analytics V. Healthcare / Insurance I. GCA Savvian Overview GCA Savvian Overview Highlights Firm Statistics GCA Savvian Focus . Over 225 professionals today Mergers & Acquisitions Private Capital Markets . Full spectrum of buy-side, sell- Agented private capital raiser Headquarters in San Francisco and Tokyo; offices in New side and strategic advisory York, London, Shanghai, Mumbai, Singapore, and Osaka . Equity and debt capital markets . Public and private company advisory services experience . Provides mergers and acquisitions advisory services, private . Core competency, with important capital & capital markets advisory services, and principal . Strategic early-stage growth relationships among the venture investing companies through industry capital and private equity defining, multi-billion dollar community transactions . Over 550 transactions completed . Publicly traded on the Tokyo Stock Exchange (2174) Senior level attention and focus, Relationships and market extensive transaction intelligence; a highly experienced team in experience and deep domain insight the industry Global Advisory Firm Market Positioning Bulge Bracket Growth Sector Focus Transaction Expertise . Senior Team with . Growth Company Focus Unparalleled Transaction . Sector Expertise / Domain Experience Knowledge . Highest Quality Client . Private Capital
  • Card Fraud Worldwide Unionpay, Visa, Mastercard, JCB, American Express, Diners Glo�Al Loss�S �N �B�L

    Card Fraud Worldwide Unionpay, Visa, Mastercard, JCB, American Express, Diners GloAl LossS N BL

    FOR 46 YEARS, THE LEADING PUBLICATION COVERING PAYMENT SYSTEMS WORLDWIDE OCTOBER 2016 / ISSUE 1096 Top Card Issuers in Asia–Pacific See charts on pages 10 and 11 for the 50 largest issuers of Card Fraud Worldwide UnionPay, Visa, Mastercard, JCB, American Express, Diners Global Losses in $Bil. 20102020 Club, and Maestro general purpose credit, debit, and prepaid consumer and commercial cards as well as domestic general with Cents per $100 of Total Volume > see p. 9 $32.82 $31.67 Real-Time Payments in the U.S. $31.26 $27.69 The Clearing House Payments Company signed a contract $24.71 $21.84 in December 2015 for software from U.K.-based VocaLink needed to create a new interbank payment system that will give $18.11 consumers and businesses the ability to send and receive payments $13.70 $11.27 > see p. 9 $9.84 $7.60 Personetics Adds Chatbot Commerce Services Digital customer service technology from Personetics, first 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 deployed three years ago, helps payment card issuers cut costs through predictive models that anticipate a cardholder’s question 7.2¢ 7.2¢ 7.3¢ 7.0¢ 6.9¢ or problem when they make initial contact in an online session. 6.5¢ 6.2¢ > see p. 5 5.2¢ 5.5¢ Credit Card Portfolio Sales 5.1¢ 4.5¢ Capital One, the 4th largest Visa/Mastercard credit card issuer in the United States, will buy the outstanding credit card receivables of Cabela’s, the 14th largest U.S. issuer. The contract includes © 2016 The Nilson Report a 10-year deal for Capital One to issue co-branded credit cards > see p.