In my last article, I discussed the similarities and differences between cobrand and private label programs.  This article focuses on determining whether there is a reasonable prospect of success in building a new cobranded credit card program.Cobrand credit card programs can help businesses...Read More

In my last article, I discussed promotions and their role in credit card programs.  This article focuses on whether a cobrand credit card program, private label credit card program, or both are the right for you and your customers.Although both cobrand and private label cards are commonplace...Read More

It’s All About the ProductA quick and accurate rule of thumb is that everyone who is eligible for your co-brand credit card program has a credit card already.  It is bad news that there aren’t any “green fields” any more for new account acquisition.  Therefore...Read More

Click to read Understanding Customer Needs – Change is Hard Partner AdvisorsRead More

In my last article I discussed the credit card product.  This article focuses on understanding customer needs and how to learn more about their true needs as the foundation to a compelling credit card product.  Change is hard.  It is true across almost every aspect of life. ...Read More

Although sharing is often seen as good and noble, making sure that you get your fair share of the pie is still important. Unless you, the cardholder, and the issuing bank share well, your program will be set up for failure.  Although each party is motivated by maximizing its “share...Read More

The Credit Card Accountability Responsibility and Disclosure Act of 2009 shook the credit card market to its core.  It was the first major legislation that profoundly impacted credit card regulation in recent memory.  There were significant doom and gloom predictions at the time as to...Read More

In my previous articles, I covered some major trends in credit card cobrand profitability and how banks calculate the profitability of your credit card program as well as the key drivers of revenue.  In this article, I will cover the key drivers of expense.    Managing expenses is...Read More

Cobrand credit card partners often ask about the profitability of their program to the bank, and if they are receiving a “fair” share, whatever that might be. These are challenging questions to answer because each program is different, only limited information is shared, and...Read More

With the significant growth of debit cards in recent years, many co-brand payment card sponsors built debit card programs to complement their credit card programs.  Companies like Disney, Delta, Target and others either offers debit card programs or have experimented offering them to...Read More

With the significant growth of debit cards in recent years, many co-brand payment card sponsors built debit card programs to complement their credit card programs.  Companies like Disney, Delta, Target and others either offers debit card programs or have experimented offering them to...Read More

How your bank crunches the numbers to determine the profitability of your credit card program is incredibly important to sponsors because the way that banks value programs directly influences their investment in the program and payments to their partners. It can add up to a mutually beneficial...Read More

In the last article, I covered some major trends in credit card cobrand profitability and how the value of credit cards has changed over the last twenty years or so.  In this article, I will continue the theme and discuss in more detail how banks calculate the profitability of your credit...Read More

Is your credit card program as healthy as it could be? By measuring just three key indicators, you can easily gauge how well your program is performing and identify steps to make it more profitable. Whether you have a cobranded credit card program or a private label card, it’s essential...Read More

Often retailers and other organizations don’t understand how banks make money on credit products offered to their customers (like private label and cobrand cards tied to loyalty programs) and how value is created.  This gap in understanding limits the value partners can realize over...Read More

The Credit Card Accountability Responsibility and Disclosure Act of 2009 shook the credit card market to its core.  It was the first major legislation that profoundly impacted credit card regulation in recent memory.  There were significant doom and gloom predictions at the time as to...Read More

With the significant growth of debit cards in recent years, many co-brand payment card sponsors built debit card programs to complement their credit card programs.  Companies like Disney, Delta, Target and others either offers debit card programs or have experimented offering them to...Read More

With the significant growth of debit cards in recent years, many co-brand payment card sponsors built debit card programs to complement their credit card programs.  Companies like Disney, Delta, Target and others either offers debit card programs or have experimented offering them to...Read More

Is your credit card program as healthy as it could be? By measuring just three key indicators, you can easily gauge how well your program is performing and identify steps to make it more profitable. Whether you have a cobranded credit card program or a private label card, it’s essential...Read More

In my last article, I discussed the similarities and differences between cobrand and private label programs.  This article focuses on determining whether there is a reasonable prospect of success in building a new cobranded credit card program.Cobrand credit card programs can help businesses...Read More

In my last article, I discussed promotions and their role in credit card programs.  This article focuses on whether a cobrand credit card program, private label credit card program, or both are the right for you and your customers.Although both cobrand and private label cards are commonplace...Read More

In my last article I discussed the credit card product.  This article focuses on understanding customer needs and how to learn more about their true needs as the foundation to a compelling credit card product.  Change is hard.  It is true across almost every aspect of life. ...Read More

Although sharing is often seen as good and noble, making sure that you get your fair share of the pie is still important. Unless you, the cardholder, and the issuing bank share well, your program will be set up for failure.  Although each party is motivated by maximizing its “share...Read More

In my previous articles, I covered some major trends in credit card cobrand profitability and how banks calculate the profitability of your credit card program as well as the key drivers of revenue.  In this article, I will cover the key drivers of expense.    Managing expenses is...Read More

Cobrand credit card partners often ask about the profitability of their program to the bank, and if they are receiving a “fair” share, whatever that might be. These are challenging questions to answer because each program is different, only limited information is shared, and...Read More

In the last article, I covered some major trends in credit card cobrand profitability and how the value of credit cards has changed over the last twenty years or so.  In this article, I will continue the theme and discuss in more detail how banks calculate the profitability of your credit...Read More

It’s All About the ProductA quick and accurate rule of thumb is that everyone who is eligible for your co-brand credit card program has a credit card already.  It is bad news that there aren’t any “green fields” any more for new account acquisition.  Therefore...Read More

Click to read Understanding Customer Needs – Change is Hard Partner AdvisorsRead More

How your bank crunches the numbers to determine the profitability of your credit card program is incredibly important to sponsors because the way that banks value programs directly influences their investment in the program and payments to their partners. It can add up to a mutually beneficial...Read More

Often retailers and other organizations don’t understand how banks make money on credit products offered to their customers (like private label and cobrand cards tied to loyalty programs) and how value is created.  This gap in understanding limits the value partners can realize over...Read More