Banks & Issuers

Providing strategic advice on issuing payment cards and other payment instruments

Edgar, Dunn & Company has long been a trusted advisor to a wide variety of stakeholders in the issuing value chain.

Issuing credit cards has become a challenging business and payment card issuers face mounting pressures. New legislation and regulation to reduce interchange rates is reshaping underlying economics squeezing margins and impacting the card loyalty program business model. Meanwhile, issuers must continue to deal with day-to-day challenges, such as new customer acquisition, card activation, customer retention, dealing with chargebacks and managing bad debt to name but a few. Moreover, they face ongoing threat of fraud and cybercrime.

Edgar, Dunn & Company advises a range of clients on issuing topics including financial institutions as well as non-financials including MNOs, retailers, travel companies, and other players.

We go beyond developing strategy to executing and implementing our recommendations. We have extensive experience and expertise in all product types including: Bank cards, T&E cards, Private label cards, Contactless cards and co-branded and affinity cards. Focused exclusively in payments and digital financial services, our clients benefit from our deep and broad experience working with retail and banks worldwide. Topics we address include:

• Corporate strategy development
• Product strategy and management
• Market scans and competitive assessments
• Best Practices and portfolio optimization
• Business case development and financial modelling
• Pricing strategy and econometric analysis
• Loyalty strategy
• Customer strategy and marketing
• Research & training

Edgar, Dunn & Company continues to deliver strategic advice and support implementation plans in the issuing space.

Some of our recent assignments include:

  • Developed strategic roadmap for a major mobile / digital financial services provider with services focusing on offering “branchless” banking services to its customers.
  • Advised a major global bank on Internet strategy for North American involving identifying and incorporating best practices from across the globe.
  • Developed a product road map for a leading payment scheme including digital banking, mobile payments and mobile P2P product development and introduction.
  • Advised payment division of a telco operator to develop a market-entry strategy and marketing plan for a chip card product.

Please contact us to discuss how our team can help you achieve your business goals

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