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published_or_final_version / Business Administration / Master / Master of Business Administration

by Chan Bo Ching. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1995. / Includes bibliographical references (leaves 65). / ABSTRACT --- p.ii / TABLE OF CONTENTS --- p.iii / LIST OF ILLUSTRATIONS --- p.v / LIST OF TABLES --- p.vi / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Chapter 1. --- Basic Functions of credit card --- p.1 / Chapter 2. --- Significance and objectives of the study --- p.1 / Chapter 3. --- History of credit card --- p.3 / Chapter 4. --- Operations of credit card --- p.6 / Chapter II. --- METHODOLOGY AND LITERATURE REVIEW --- p.10 / Chapter III. --- THE DEVELOPMENT OF CREDIT CARD MARKET IN HONG KONG --- p.13 / Chapter IV. --- ANALYSIS OF STRATEGIES OF CREDIT CARD BUSINESS --- p.21 / Chapter 1. --- Macroenvironmental Analysis --- p.21 / Chapter 2. --- SWOT Analysis for Hong Kong Credit Card Market --- p.24 / Chapter 3. --- Analysis of Competitive Strategy by Michael Porter's Model --- p.27 / Chapter 4. --- Overall Strategies of Hong Kong Credit Card Operations --- p.36 / Chapter V. --- EMPIRICAL STUDY --- p.44 / Chapter 1. --- Market Leader --- p.44 / Chapter 2. --- Market Challengers --- p.46 / Chapter 3. --- Market Followers --- p.48 / Chapter 4. --- Market New Comers --- p.49 / Chapter 5. --- Withdrawer from International Card Market --- p.49 / Chapter VI. --- CONCLUSION --- p.51 / APPENDIX --- p.55 / Chapter 1. --- International Card Issuing Organizations in Hong Kong --- p.55 / Chapter 2. --- Hong Kong Market Share Analysis --- p.56 / Chapter 3. --- Development of Card Business (Credit and Charge Card) In Hong Kong (Major Milestones) --- p.58 / Chapter 4. --- Table of Dates of Establishing Credit Card Services --- p.62 / Chapter 5. --- Demographic Characteristics of Hong Kong --- p.63 / Chapter 6. --- Competitive Analysis - Hong Kong Market --- p.64 / BIBLIOGRAPHY --- p.65

The aim of the diploma thesis The Use of payment cards at the czech retail market is the analysis of benefits for card holders and the retailers. The theoretical part describes the history of payment cards, their types, variability of their use and supporting services and defines the relationship among holders of payment cards, banks and retailers. The practical part is focused on the research motives for using payment cards by their holders and the retailers.

Thesis (M.B.A.)--University of Hong Kong, 1998. / Includes bibliographical references (leaf 79-82).

[pt] Esse trabalho investiga a existência de restrição à liquidez e informação assimétrica no mercado de cartões de crédito. Utilizando microdados de uma administradora de cartões, exploramos variações quase-experimentais nos limites de crédito com os quais os clientes se deparam para estimar a resposta de tomada de dívida e posterior repagamento frente a aumentos de liquidez. Observamos elevação imediata de dívidas no rotativo frente a aumentos de limite, sendo tal efeito ainda mais pronunciado para clientes com alta utilização do cartão, resultados consistentes com existência de restrição à liquidez. Encontramos também evidências robustas de que extensões de limite elevam probabilidade de default durante um longo período após aplicação da política, resultado que justifica a imposição de limites de crédito pelo emprestador. / [en] This work investigates the existence of liquidity constraints and information asymmetry in a credit card market. Using microdata from a credit card issuer, we exploit quasi-experimental variation on clients credit limits to estimate the effect of liquidity extensions on borrowing and later repayment. We document an immediate rise in revolving debt, especially for those clients close to their credit limit, a result consistent with binding liquidity constraints. We also find robust evidence that limit extensions increases default probability over a long time span, a result that justifies the imposition of credit limits.

En el presente trabajo de investigación se ha identificado una necesidad de mercado de la falta de tarjeta habientes en el mercado peruano bajo el contexto actual. Ambas se validan con la elaboración de diferentes métricas de compras online, el nivel de bancarización dentro del país y otros comportamientos de los usuarios peruanos. Luego de identificar esta carencia, el proyecto, en primer lugar, explora el rubro del e-commerce, el cual, tiene un crecimiento constante y rápido en los últimos años, sumado a la coyuntura actual de la pandemia, diversos estudios muestran que el comportamiento de las transacciones online se encuentra en crecimiento, y ésta práctica se convierte en una costumbre de compra de todos los usuarios del e-commerce. En segundo lugar, amplia el portafolio actual para las transacciones online, facilitándolas para personas sin tarjeta de crédito al desarrollar una nueva forma de pago eficiente y segura. Se evalúa la viabilidad del proyecto con el uso de diversas metodologías ágiles de la innovación, como el Business Model Canvas, Cadena de Valor, Experiment Board, entre otros, además de otras herramientas cualitativas y cuantitativas, como encuestas, recolección y análisis de datos secundarios. En base de los resultados obtenidos en el análisis financiero, la implementación de este proyecto es favorable, ya que propone una solución rápida y eficiente para los diferentes perfiles identificados de los clientes potenciales. Por todo lo detallado, se considera que el trabajo de investigación respecto al proyecto “Get It Now” tiene una propuesta de valor diferenciada de ser el nexo digital entre las personas y el mercado peruano de los e-commerce. A la vez es muy atractivo para los inversionistas, porque maximiza los márgenes de las ganancias. / In the present research work, a market need for the lack of cardholders in the Peruvian market has been identified below the current context. Both are validated with the development of different online purchasing metrics, the level of banking within the country and other behaviors of Peruvian users. After identifying this deficiency, the research work, first, explores the field of e-commerce, which, has grown constantly and rapidly in recent years, added to the current situation of the pandemic, various studies show that the behavior of online transactions is growing, and this practice becomes a buying habit for all e-commerce users. Second, it expands the current portfolio for online transactions, making it easier for people without a credit card by developing a new efficient and secure form of payment. The viability of the project is evaluated with the use of various agile innovation methodologies, such as the Business Model Canvas, Value Chain, Experiment Board, among others, in addition to other qualitative and quantitative tools, such as surveys, collection and analysis of secondary data. Based on the results obtained in the financial analysis, the implementation of this work is favorable, since it proposes a quick and efficient solution for the different profiles of potential clients identified. For all the details, it is considered that the research work regarding the “Get It Now” project has a differentiated value proposition of being the digital link between people and the Peruvian e-commerce market. At the same time, it is very attractive for investors, because it maximizes profit margins. / Trabajo de investigación

En la presente tesis se desarrolla una propuesta de mejora del proceso de otorgamiento de tarjeta de crédito vía call center, así como también la reducción de casos de suplantación de identidad de los clientes en una entidad financiera. El diagnóstico, mejora y control del proceso se soporta en la metodología BPM. Para ello se propone automatizar el proceso de identificación del cliente, establecer un procedimiento ágil de otorgamiento de tarjeta de crédito por delivery, capacitar al personal de call center y establecer indicadores de gestión que controlen el tiempo de atención desde la solicitud de la tarjeta hasta la activación de la tarjeta. Además, se proponen controles en el sistema de registro de datos del cliente, para evitar errores de digitación que se pueden convertir posteriormente en re procesos. Todo ello se ve reflejado en un proceso capaz y rápido que garantiza la disminución del 39% del costo administrativo del área de reclamos, el 63% del costo de mermas por tarjetas de crédito rezagada y el 30% del costo de reprocesos. / In this thesis a proposal is developed to improve the process of granting a credit card via call center, as well as the reduction of cases of identity theft of customers in a financial institution. The diagnosis, improvement and control of the process is supported in the BPM methodology. To this end, it is proposed to automate the customer identification process, establish a procedure for granting the credit card by delivery, train the call center personnel and establish the management indicators that control the time of service from the request of the card until Activation of the card. In addition, controls are proposed in the customer's data recording system, to avoid typing errors that can be converted later in the processes. All that can be reflected in a capable and fast process that reduces 39% of the administrative cost of the claims area, 63% of the cost of credit cards and 30% of the cost of reprocessing. / Tesis

On October 3rd, 2015, the Consumer Financial Protection Bureau changed the presentation of information within mortgage disclosures such that monthly payments and upfront costs are more salient. Using proprietary bank account data, I document that after closing on the mortgage, treated consumers receiving the re-designed disclosures log in more into their liquid checking accounts, spend less on debit cards and cash, but spend more on credit cards. I argue that the more salient disclosures caused consumers to prioritize having funds to make monthly obligations. Accordingly, I find that liquidity constrained consumers reallocate more of their debit card and cash spending to credit card spending. Other channels related to underestimation of mortgage costs, financial advice, and regulatory enforcement cannot fully explain the results. The reform benefits consumers as they do not accumulate credit card charges despite making more timely mortgage payments. The results collectively demonstrate that modifying information presentation is a low-cost way to change consumers’ behaviors.

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