Debit and Alternative Products

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    This individual Note Network Exclusivity: The Changing Direction of the Industryis available for purchase. This Note is available to members of Mercator Advisory Group’s Debit and Alternative Products Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Note represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Notes form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Notes (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

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Network Exclusivity: The Changing Direction of the Industry

A trend within the leading EFT networks indicates that they are redefining their PIN debit strategy. The Interlink, STAR, PULSE and NYCE networks have all announced sole provider or exclusive processing agreements for PIN Debit POS transactions with member financial institutions. The STAR, PULSE and NYCE networks, once only regional networks, then super-regional, are now national networks that have saturated the majority of POS acceptance locations to the extent that the need for multiple network connections to provide cardholders with unlimited card access has diminished. This ubiquity in PIN debit acceptance presents an opportunity for networks and financial institutions (FIs) to rethink network participation.