Interchange Fees:
The Hidden Dynamo of the Cards Business
This report is
the first independent study into interchange fees for card transactions
worldwide.
It provides a detailed analysis of the rationale for and
implementation of these fees,
and their impact on the dynamics of the cards business.
To download a brochure for the report in pdf format click
here (170kb)
To download an order form click here
Interchange fees on card transactions amount to over $34 billion per year worldwide, a massive transfer of funds between banks and other financial institutions that has an important impact on the cards business, merchants and consumers.
Interchange Fees Are Coming Under Ever Increasing Scrutiny
Merchants in many countries have complained to regulatory and competition authorities about the nature and level of interchange fees, and the fees are currently under investigation in Australia, the European Union, the United Kingdom and the United States. To date, regulatory and competition authorities have not forbidden interchange fees, but the rationale for interchange and the level of fees are coming under increasing scrutiny. Any enforced changes to interchange fees would have a dramatic impact on the profitability and strategies of different parts of the card business.
Independent High Quality Research Now Available
Independent information and analysis is vital for card payment schemes, banks and others in responding to enquiries from regulatory and competition authorities and in helping to develop their card strategies for the 21st century.
RBR has completed the most in-depth independent analysis of interchange fees ever undertaken. The study involved extensive primary and secondary research over a three-year period. Interviews were conducted with, and information and data obtained from, international and national card payment schemes, banks, retailer organisations and regulatory bodies in Australia, Europe and North America.
The results of this research and analysis are now available in a comprehensive 500 page report. The report provides a detailed and independent analysis of the rationale for and implementation of interchange fees for card transactions, and their impact on the dynamics of the card business. It draws on examples and developments from around the world.
Outline of Report Contents
· Executive Summary
· 1. Introduction to Interchange Fees
· 2. Evolution of Interchange
· 3. Analysis of Academic Arguments
· 4. Analysis of Merchant Arguments
· 5. Landmark Legal Cases and Investigations
· 6. Analysis of Methodologies & Cost/Revenue Elements
· 7. Interchange Fee/Cost Comparisons and Values
· 8. Impact on Strategy, Industry Players & Competition
· 9. Forces for Change
· 10. Strategic Implications of Reducing or Banning Interchange Fees
· Appendices
Availability and Pricing
Interchange Fees: The Hidden Dynamo of the Cards Business is available now.
The price of the full report, in printed format, is £4,750. Individual sections can also be purchased separately, please see the order form for further information.
If you would like to order a copy of the report, or obtain more information,
please email us or contact us
at the address below.
To download a brochure for the report in pdf format click
here (170kb)
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