Credit Advisory Service
Service Description Mercator Advisory Group’s Credit Advisory Service (CAS) focuses on the needs of credit issuers, acquirers, processors and the vendors and investors who serve them. The emphasis of this service is on the consumer and business “pay later” payment methods involving the extension of credit, examining the impact of technology and the competitive environment on business process at all stages of the account lifecycle.
CAS coverage includes, but is not limited to: credit scoring, account acquisition, loyalty programs, customer attrition, acquirer products and services, customer service, account management, fraud management, account processing, card technology, strategic positioning, legal and regulatory environment, and vendor management. While many topics focus on card-based consumer and commercial payment solutions (consumer, small business, commercial, charge, and procurement cards), emerging online and alternative credit payment products are also covered. Mercator Advisory Group’s Credit Advisory Service focuses on identifying areas of opportunity, monitoring new developments that will impact growth from perspectives across all stakeholders, analyze key metrics, and identify trends including but not limited to: best practices, innovative strategies, regulatory issues, partnership opportunities, risk management, key market practitioners, and emerging business lines. Principal Focus Areas: Credit Card Marketing & Analytics
Database Marketing Initiatives
Rewards and Loyalty Strategies
Bankruptcy prediction and recovery
Opportunities for growth / Emerging Markets
Account Lifecycle Strategies & Technologies
Account Origination
Channel related strategies (Call center, IVR, Internet, Customer
Self-Service)
Account Management & servicing
Portfolio Management
- Authentication / Fraud Management
- Impact on portfolio, customer service and related concerns
- Emerging issues (Privacy, Regulatory, Alternative Uses & Services)
- Alternative Products
- Online Credit Alternatives
- Hybrid Credit/Prepaid Cards
- Corporate & Merchant Services
- Merchant Acquiring and Merchant Processing Technologies
- Small Business, Purchasing, T&E
- Loyalty & Marketing Partnerships
- Value-added Services and Solutions
- Credit Markets & Strategies
- Consumer and Issuer Effects of the Credit Crunch
- Enhanced Risk Management Strategies
- Issuer and Acquirer Market Consolidation
 Most Recent Five Documents (1.01) |
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| Credit Card Marketing & Analytics (1.1) |
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| Account Lifecycle & Technologies (1.2) |
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| Authentication, Fraud & Risk Management (1.3) |
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| Alternative Products (1.4) |
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| Corporate & Merchant Services (1.5) |
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| Credit Markets and Strategies (1.6) |
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