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    This individual Note Toward Profitability in Prepaid: Navigating a Changing Seais available for purchase. This Note is available to members of Mercator Advisory Group’s Prepaid 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).

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Toward Profitability in Prepaid: Navigating a Changing Sea

When a prepaid card program will achieve profitability is proving difficult to calculate. This challenge comes from a range of variables that needs to be factored into the profitability calculations, and while some of these variables are well known, many are new and specific to particular prepaid program implementations. Because these variables are typically addressed on an ad hoc basis, initial calculations of program profitability are often far from the mark. Players already active in the prepaid industry regularly confront this reality. New prepaid participants, or potential sponsors of prepaid products, will be daunted by calculating profitability in a constantly changing environment. Miscalculations can stem from various sources - legal and regulatory, merger and acquisition activity, even divergent perceptions of the different players in the prepaid value chain who bring the prepaid program to market. In this Research Note, Mercator discusses how to navigate toward profitability in prepaid while avoiding some of the difficulties that can run the ship aground.