Perspectives: Ken Paterson
Money 2020: The New Kid on the Block Grows Up Overnight
by: Ken Paterson, Mercator Advisory Group
10/30/2012
The curiosity among attendees was palpable. Would Money 2020 become one of the payments industry’s must attend shows, or would it become just another dusty milepost on the annual conference circuit? One data point may not be sufficient to document... Read More >
The Interchange Antitrust Settlement: The Peril of “Going Nuclear”
by: Ken Paterson
7/30/2012
The proposed Visa MasterCard Antitrust settlement (Payment Card Interchange Fee and Merchant Discount Antitrust Litigation) has been public for over a week now, and there are lots of nuances to be analyzed (Mercator members should see our July Research Note... Read More >
CFPB Bulletin 2012-3: You Can’t Outsource Diligence
by: Ken Paterson
6/18/2012
As I discussed in my recent report, Small Credit Card Issuers 2012 Waiting For A Renaissance, small credit card issuers have an impressive and comprehensive array of processing and outsourcing services at their disposal. It’s not an exaggeration to say that... Read More >
Visa’s Rwanda Initiative: An Electronic Journey Starts with the Last 3 Feet
by: Ken Paterson
4/16/2012
I had the opportunity to attend a briefing on Visa’ s partnership with the Rwandan government to establish a basic electronic payments infrastructure in the emerging nation. This initiative leverages Visa’s recent acquisition of Fundamo as an enabling platform for... Read More >
Consumer Revolving Credit G.19: Déjà vu All Over Again
by: Ken Paterson
3/13/2012
They did it again American consumers celebrated the new year, not by borrowing more on their cards, but by paying down their holiday splurges. This pattern has become the norm in the post recession environment. And at $800.9 billion outstandings,... Read More >
Student Loans: The New Competitor To Credit Cards?
by: Ken Paterson
2/28/2012
What loan type is approaching $900 billion in outstandings, is on the increase, and was until recently underestimated? Yes, it is the lowly student loan, which has now surpassed the total estimated credit card outstandings in the U.S.The New York... Read More >
Know Before You Owe: It’s Still Complicated
by: Ken Paterson
12/12/2011
Several years ago, I was moderating a consumer focus group on credit topics. I was surprised at the level of interest and engagement on what I thought was a pretty mundane topic. I commented on this to the group, and... Read More >
CFPB Publishes First Report On Credit Card Complaints: It’s Complicated (part 2)
by: Ken Paterson
12/2/2011
The publication of the first report on the CFPB’s credit card complaint data provides an interesting point of view regarding CFPB interests, issuers’ responsiveness, and consumer confusion. CFPB’s toll free hotline and online complaint form opened for business in July... Read More >
The Paradox Of Credit Card Spending Growth
by: Ken Paterson
10/24/2011
 Credit cards are a unique business, being able to grow and decline at the same time. Credit card spending (total volume) is up this year (around 8 percent for Visa MC issuers), while accounts on file continue to trend down.... Read More >
Traveling With The Mag Stripe: Not Bad In Spite Of The Hype
by: Ken Paterson
10/12/2011
During recent travel abroad, it was as if every merchant I visited in the U.K. had read my past rants. Compared with my last trip in 2009, this year was a breeze. Store clerks cheerfully asked, “Will that be chip... Read More >
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