Merchant Services Payment Card Program
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Successful Implementation of Grocery Store Loyalty Reward Programs Cristina Reinert Walden University
Walden University ScholarWorks Walden Dissertations and Doctoral Studies Walden Dissertations and Doctoral Studies Collection 2016 Successful Implementation of Grocery Store Loyalty Reward Programs Cristina Reinert Walden University Follow this and additional works at: https://scholarworks.waldenu.edu/dissertations Part of the Advertising and Promotion Management Commons, and the Marketing Commons This Dissertation is brought to you for free and open access by the Walden Dissertations and Doctoral Studies Collection at ScholarWorks. It has been accepted for inclusion in Walden Dissertations and Doctoral Studies by an authorized administrator of ScholarWorks. For more information, please contact [email protected]. Walden University College of Management and Technology This is to certify that the doctoral study by Cristina Reinert has been found to be complete and satisfactory in all respects, and that any and all revisions required by the review committee have been made. Review Committee Dr. Jill Murray, Committee Chairperson, Doctor of Business Administration Faculty Dr. Matthew Knight, Committee Member, Doctor of Business Administration Faculty Dr. Judith Blando, University Reviewer, Doctor of Business Administration Faculty Chief Academic Officer Eric Riedel, Ph.D. Walden University 2016 Abstract Successful Implementation of Grocery Store Loyalty Reward Programs by Cristina Dawn Reinert MBA, Saint Leo University, 2012 BA, Saint Leo University, 2011 Doctoral Study Submitted in Partial Fulfillment of the Requirements for the Degree of Doctor of Business Administration Walden University April 2016 Abstract Consumer loyalty programs are a key marketing strategy implemented across multiple industries in the United States. A successfully implemented loyalty program can benefit both the consumer and the company. The purpose of this single case study was to explore strategies that grocery store managers use to successfully deliver consumer loyalty programs. -
View Annual Report
2017 ANNUAL REPORT NAVIGATING TOMORROW CONTENTS 1 Chairman’s Message 3 2017 Financial Summary 4 Year in Review 8 Our Community 12 Our Employees 14 Client Profiles 22 2017 Financial Report 24 Relative Stock Prices 25 Bank of Hawaii Locations 26 Managing Committee 28 Board of Directors 29 Shareholder Information NaVIGATING TOMORROW The story of Bank of Hawaii began on Dec. 27, 1897, when Bank of Hawaii became the first chartered and incorporated bank to do business in the Republic of Hawaii. For more than 120 years, we have been helping generations of families, individuals, community organizations and businesses achieve their dreams. The cover image was taken at Bank of Hawaii’s Main Branch grand re-opening in August 2017, when a new Branch of Tomorrow concept was unveiled for its flagship location in downtown Honolulu. Designed with modern technology, digital conveniences and private spaces for personal interactions, the branch features elements of the Hawaiian voyaging canoe, which has always had special meaning for Bank of Hawaii. The Bank of Hawaii canoe, Ulu o ka lā, was commissioned in 2015 and continues to serve as a symbol for the bank. The unique circular overlay pays tribute to the original iron gate at Main Branch. Bank of Hawaii marked 120 years of doing business in 2017, and continues to help its customers explore new possibilities and navigate toward their financial and life goals. View Bank of Hawaii’s 2017 digital summary annual report, featuring videos of our ©2017, Bank of Hawaii Corporation. Bank of Hawaii®, Bankoh® and the Bank of Hawaii logo are Chairman, clients, registered trademarks of Bank of Hawaii. -
Public Bank Unionpay Lifestyle Debit Card Product Disclosure Sheet
PRODUCT DISCLOSURE SHEET Public Bank Berhad (6463-H) Read this Product Disclosure Sheet before you PB Visa/MasterCard Lifestyle Debit – Generic decide to take up the PB Visa/MasterCard/Union Pay Lifestyle Debit. Be sure to also read the PB Visa/MasterCard Lifestyle Debit – Basic general terms and conditions. Savings Account/Basic Current Account PB UnionPay Lifestyle Debit – PB UnionPay Savings Account Date: 1. What is this product about? PB Visa/MasterCard/UnionPay Lifestyle Debit is a two-in-one card combining Visa/MasterCard/ UnionPay debit card and ATM functions. The card is linked to the Savings Account/Current Account/Basic Savings Account/Basic Current Account/PB UnionPay Savings Account (“Banking Account”) of the individual and any expenditure will be deducted directly from the Banking Account. This is a PB Visa/MasterCard/UnionPay Lifestyle Debit, a payment instrument which allows you to pay via a direct deduction of the cost for goods and services from your Banking Account at participating retail and service outlets. You are required to maintain a Banking Account with us, to be linked to your PB Visa/MasterCard/UnionPay Lifestyle Debit. If you close your Banking Account maintained with us, your PB Visa/MasterCard/UnionPay Lifestyle Debit will be automatically cancelled. 2. What are the fees and charges I have to pay? (i) Annual Fee x Generic/PB UnionPay Savings Account: RM8.00 x Basic Savings Account/Basic Current Account: Waived (subject to eight (8) ATM cash withdrawals and six (6) over-the-counter withdrawals per month*) *Note: Fee for exceeding the threshold will be RM1.00 per transaction. -
Elo Brings an Innovative Connectivity Benefit to High-Income Brazilian Cardholders
CASE STUDY: ELO Elo brings an Innovative Connectivity Benefit to High-income Brazilian Cardholders Elo’s Evolution The first, wholly Brazilian credit card brand, Elo was launched in 2011 as a partnership between three of Brazil’s largest banks, Banco do Brasil, Bradesco and CAIXA. To give you a scope of their market share, together, these three banks represent nearly three quarters of total banking accounts in the country. THE COMPANY Launched in 2011 by three With that kind of financial clout, it was no surprise that Elo’s domestic of Brazil’s largest banks market share grew quickly, and its cards became particularly popular. Still, (Banco do Brasil, Bradesco and CAIXA), Elo is the first even with that level of success, Elo hadn’t yet expanded outside of Brazil. 100% Brazilian credit card brand. In order to be a robust That was about to change. and comprehensive brand, Elo offers a wide range of In 2015, Elo entered into an agreement with Discover Financial Services, products and services aimed which allowed Elo cardholders to make international purchases and at all audiences. Accepted at approximately 4 million Accepted at approximately 4 withdraw cash on Discover’s network. A year later, Elo conducted its first merchants nationwide, Elo is million merchants nationwide, also the first Brazilian brand international transaction on the Discover Global Network, marking the Elo is also the first Brazilian with international acceptance. brand with international official, international acceptances of Elo’s cards. Through a partnership with the acceptance. Discover network, cards can Throughbe used fora partnership purchases withat more the Discoverthan 42 million network, merchants cards can bein 185 used countries, for purchases as well at as more thanwithdrawals 42 million at 1.8merchants million ATMs Elo’s Customer Loyalty Challenge inworldwide. -
Kōkua Creating Good
CONNECTED THROUGH KŌKUA CREATING GOOD. BUILDING STRONGER COMMUNITIES. BANK OF HAWAII COMMUNITY REPORT 2018 workplace where all of our employees feel With nearly half of Hawaii’s people they belong and are able to reach their struggling to get by, the problems full potential to authentically connect outlined in the ALICE report are complex. to the community we serve. Bank of But they’re not insurmountable if we Hawaii has outwardly demonstrated its combine forces to address the issues. support for our LGBTQ community as a One of the most important things for us sponsor of the Honolulu Rainbow Film to do is to realize that the well-being of Festival, and for the first time in 2018, ALICE community members is, in fact, the Honolulu Pride Parade & Festival. our own well-being. We are all connected. I was so proud to march in solidarity Whether we participate from the business, with more than 300 of our employees legislative or philanthropic sectors, we Aloha, and their friends and family alongside each have a vested interest in finding our Bank of Hawaii float in the solutions and ensuring the continued Helping people access a better life Honolulu Pride Parade in October. health of our community. is what Bank of Hawaii does both in a A number of natural disasters in Bank of Hawaii has been helping the professional capacity, and as a caring 2018—volcanic eruptions, typhoons community for over 120 years, and collaborative partner in the community. and tropical storms—brought increased we invite others to partner with our We invest in the innovative vision of challenges to our community, and an efforts. -
New Debit Card Solutions At
New Debit Card Solutions Debit Mastercard and Visa Debit are ready Swiss Banking Services Forum, 22 May 2019 Philippe Eschenmoser, Head Cards & A2A, Swisskey Ltd Maestro/V PAY Have Established Themselves As the “Key to the Account” – Schemes, However, Are Forcing Market Entry For Successor Products Response from the Maestro and V PAY are successful… …but are not future-capable products schemes # cards Maestro V PAY on Lower earnings potential millions8 for issuers as an alternative payment traffic products (e.g. 6 credit cards, TWINT) Issuer 4 V PAY will be 2 decommissioned by VISA Functional limitations: in 20211 – Visa Debit as 0 • No e-commerce the successor 2000 2018 • No preauthorizations Security and stability have End- • No virtualization proven themselves customer High acceptance in CH and Merchants with an online MasterCard is positioning abroad in Europe offer are demanding an DMC in the medium term online-capable debit as the successor to Standard product with an Merchan product Maestro integrated bank card t 2 1: As of 2021 no new V PAY may be issued TWINT (Still) No Substitute For Debit Cards – Credit Cards With Divergent Market Perception TWINT (still) not alternative for debit Credit cards a no alternative for debit Lacking a bank card Debit function Limited target group (age, ~1.1 M 1 ~10 M. creditworthiness...) Issuer ~48.5 k ~170 k1 No direct account debiting DMC/ Visa Debit Potentially high annual fee End-customer Lower customer penetration Banks and merchants DMC/ P2P demand an online- Higher costs Merchant Visa Debit -
How Mpos Helps Food Trucks Keep up with Modern Customers
FEBRUARY 2019 How mPOS Helps Food Trucks Keep Up With Modern Customers How mPOS solutions Fiserv to acquire First Data How mPOS helps drive food truck supermarkets compete (News and Trends) vendors’ businesses (Deep Dive) 7 (Feature Story) 11 16 mPOS Tracker™ © 2019 PYMNTS.com All Rights Reserved TABLEOFCONTENTS 03 07 11 What’s Inside Feature Story News and Trends Customers demand smooth cross- Nhon Ma, co-founder and co-owner The latest mPOS industry headlines channel experiences, providers of Belgian waffle company Zinneken’s, push mPOS solutions in cash-scarce and Frank Sacchetti, CEO of Frosty Ice societies and First Data will be Cream, discuss the mPOS features that acquired power their food truck operations 16 23 181 Deep Dive Scorecard About Faced with fierce eTailer competition, The results are in. See the top Information on PYMNTS.com supermarkets are turning to customer- scorers and a provider directory and Mobeewave facing scan-and-go-apps or equipping featuring 314 players in the space, employees with handheld devices to including four additions. make purchasing more convenient and win new business ACKNOWLEDGMENT The mPOS Tracker™ was done in collaboration with Mobeewave, and PYMNTS is grateful for the company’s support and insight. PYMNTS.com retains full editorial control over the findings presented, as well as the methodology and data analysis. mPOS Tracker™ © 2019 PYMNTS.com All Rights Reserved February 2019 | 2 WHAT’S INSIDE Whether in store or online, catering to modern consumers means providing them with a unified retail experience. Consumers want to smoothly transition from online shopping to browsing a physical retail store, and 56 percent say they would be more likely to patronize a store that offered them a shared cart across channels. -
The Value of Service SUMMARY ANNUAL REPORT 2005 BANK of HAWAII CORPORATION and SUBSIDIARIES
the value of service SUMMARY ANNUAL REPORT 2005 BANK OF HAWAII CORPORATION AND SUBSIDIARIES FINANCIAL SUMMARY (DOLLARS IN THOUSANDS EXCEPT PER SHARE AMOUNTS) FOR THE YEAR ENDED DECEMBER 31 2005 2004 EARNINGS HIGHLIGHTS AND PERFORMANCE RATIOS Net Income $ 181,561 $ 173,339 Basic Earnings Per Share 3.50 3.26 Diluted Earnings Per Share 3.41 3.08 Dividends Declared Per Share 1.36 1.23 Net Income to Average Total Assets (ROA) 1.81% 1.78% Net Income to Average Shareholders’ Equity (ROE) 24.83% 22.78% Net Interest Margin1 4.37% 4.32% Efficiency Ratio2 53.15% 56.14% AS OF DECEMBER 31 STATEMENT OF CONDITION HIGHLIGHTS AND PERFORMANCE RATIOS Total Assets $ 10,187,038 $ 9,766,191 Net Loans 6,077,446 5,880,134 Total Deposits 7,907,468 7,564,667 Total Shareholders’ Equity 693,352 814,834 Book Value Per Common Share $ 13.52 $ 14.83 Allowance / Loans and Leases Outstanding 1.48% 1.78% Employees (FTE) 2,585 2,623 Branches and Offices 85 87 Market Price Per Share of Common Stock for the Year Ended December 31: Closing $ 51.54 $ 50.74 High $ 54.44 $ 51.10 Low $ 43.82 $ 40.97 FOR THE QUARTER ENDED DECEMBER 31 EARNINGS HIGHLIGHTS AND PERFORMANCE RATIOS Net Income $ 44,781 $ 46,241 Basic Earnings Per Share 0.88 0.86 Diluted Earnings Per Share 0.86 0.82 Net Income to Average Total Assets (ROA) 1.76% 1.89% Net Income to Average Shareholders’ Equity (ROE) 25.19% 23.63% Net Interest Margin1 4.42% 4.40% Efficiency Ratio2 53.92% 55.37% 1 The net interest margin is defined as net interest income, on a fully-taxable equivalent basis, as a percentage of average earning assets. -
Credit Cards American Express Company 24-Hour Number: (800) 528-2121 (U.S
Credit Cards American Express Company 24-Hour Number: (800) 528-2121 (U.S. and Canada) American Express Cards include: Personal Green (pictured), Gold, Platinum, Corporate Green (pic - tured), Corporate Gold, Corporate Platinum, Corpo - rate Optima, Optima, Optima Gold, Purchasing Card, American Express Blue (pictured), Green and Gold Rewards, and more. American Express also issues co-branded cards, including Hilton, Delta SkyMiles (pictured), ITT Sheraton Club Miles, and more. American Express issues multiple styles of prepaid cards. Gift Cards (4 are pictured) can be variable load or pre-denominated ranging from $25 to $3,000. Gift Cards are not reloadable and can be personalized or issued anonymously. Reloadable prepaid cards are also available in various styles and offer different functionality. Serve and Bluebird prepaid cards are multifunction cards with many new features such as bill pay, check writing, and funds transfer. All prepaid cards have the word “PREPAID” printed on either the front or back of the card. Account numbers are 15 digits, begin with 37 or 34, and are sequenced 4-6-5. UV light reveals large “AMEX” and phosphorescence on the face of each card, excluding the Gift Card. The Centurion or the American Express Blue Box appears on most Amer - ican Express cards. To establish the validity of a card, or determine its status, please call (866) 375-3684. 98 Credit Cards Diners Club International ® 2500 Lake Cook Rd. Riverwoods, IL 60015 Security Contacts: Law Enforcement Phone Line: 1-800-347-3083 for law enforcement officers Merchant Code 10 Authorization: 1-800-347-1111 for suspicious transactions Diners Club ® account numbers start with 36 or 55. -
United States Securities and Exchange Commission Form
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 4, 2020 FIRST HAWAIIAN, INC. (Exact Name of Registrant as Specified in Its Charter) Delaware (State or Other Jurisdiction of Incorporation) 001-14585 99-0156159 (Commission File Number) (IRS Employer Identification No.) 999 Bishop St., 29th Floor Honolulu, Hawaii 96813 (Address of Principal Executive Offices) (Zip Code) (808) 525-7000 (Registrant’s Telephone Number, Including Area Code) Not Applicable (Former Name or Former Address, if Changed Since Last Report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each class: Trading Symbol(s) Name of each exchange on which registered: Common Stock, par value $0.01 per share FHB NASDAQ Global Select Market Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). -
Bank of Hawaii RSSD # 795968
PUBLIC DISCLOSURE August 8, 2016 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION Bank of Hawaii RSSD # 795968 130 Merchant Street Honolulu, Hawaii, 96813 Federal Reserve Bank of San Francisco 101 Market Street San Francisco, California 94105 NOTE: This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low‐ and moderate‐income neighborhoods, consistent with the safe and sound operation of the institution. This evaluation is not, nor should it be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion or opinion of the federal financial supervisory agency concerning the safety and soundness of this financial institution. Bank of Hawaii CRA Public Evaluation Honolulu, Hawaii August 8, 2016 TABLE OF CONTENTS INSTITUTION RATING ................................................................................................ 1 Institution’s CRA Rating ....................................................................................................... 1 INSTITUTION ........................................................................................................... 2 Description of Institution ..................................................................................................... 2 Scope of Examination .......................................................................................................... 3 CONCLUSIONS WITH RESPECT TO PERFORMANCE TESTS -
Ssb3: Debit Card Updates / / / / /
SSB3: DEBIT CARD UPDATES If only Part A or B is completed, please send to: DBS Bank Ltd – Credit Ops, 2 Changi Business Park Crescent, #07-03, DBS Asia Hub, S486029. If only Part C is completed, please send to: DBS Bank Ltd – Account Services, Simpang Bedok Post Office, PO Box 215, Singapore 914808, unless otherwise stated. If Part A, B and C are completed, please send to: DBS Bank Ltd – Credit Ops, 2 Changi Business Park Crescent, #07-03, DBS Asia Hub. Name: IC/ Passport No.*: Existing Debit Card (“Card”) No.: PART A: Instruction for POSB Multitude, Takashimaya Debit, Capita Debit, DBS SUTD, DBS NUSSU, HomeTeamNS-PAssion-POSB or SAFRA DBS Debit Card ☐ Lost (Please call Lost Card No. at 18001111111 immediately to report loss of your Card.) ☐ Non-receipt ☐ Damaged / Faulty Card* (Existing PIN to be used with the new Card issued.) Replace Card due to: ☐ Change of name embossed on the Card to: (Max 19 characters. Existing PIN to be used with the new Card issued.) ☐ Retained at ATM. Location: Change of Language Choice: ☐ English ☐ Selection at ATM PART B: Instruction for POSB GO! Debit MasterCard, PAssion POSB Debit Card, DBS Visa Debit, DBS UnionPay Debit, DBS Treasures Visa Debit, DBS Treasures Private Client Visa Debit or DBS Private Banking Visa Debit Card ☐ Lost (Please call Lost Card No. at 18001111111 immediately to report loss of your Card.) ☐ Non-receipt Replace Card due to: ☐ Damaged / Faulty Card (New Card and PIN will be sent in two separate mailers) Note: A $5 Debit Card replacement fee ☐ Change of name embossed on the Card to: is applicable for Lost Card (Max 19 characters) ☐ Retained at ATM.