by Tso Miu Lin Debbie. / Thesis (M.B.A.)--Chinese University of Hong Kong, 1999. / Includes bibliographical references (leaves 55-61). / Questionnaire also in Chinese. / ABSTRACT --- p.ii / TABLE OF CONTENTS --- p.iv / LIST OF ISSUSTRATIONS --- p.vii / LIST OF TABLES --- p.viii / PREFACE --- p.ix / Chapter / Chapter I. --- INTRODUCTION --- p.1 / Chapter II. --- METHODOLOGY --- p.3 / Sample --- p.4 / Basic Contents of the Questionnaire --- p.4 / Limitation of the Questionnaire --- p.5 / Chapter III. --- FINDINGS OF THE RESEARCH --- p.6 / General Card Users Distribution --- p.6 / Credit Card Holding --- p.6 / Type of Credit Card Held --- p.7 / Different Aspects of Credit Cards --- p.8 / Important Aspects --- p.8 / Reasons for Not Paying by Credit Card --- p.10 / Reasons for Paying by Credit Card --- p.11 / Marketing Program of Credit Cards --- p.12 / Effective Marketing Channels to General Users --- p.12 / Effective Marketing Channels to High-end Users --- p.13 / Default Risk of Credit Cards --- p.13 / Total Credit Limit to Revenue Ratio --- p.13 / Credit Card Balances --- p.14 / Roll Over of Credit Card Balances --- p.15 / Roll Over of Card Balances to Revenue Ratio --- p.15 / Rejection of Credit Card Application --- p.16 / Interest-bearing Credit Cards Users --- p.16 / Demographic Characteristics of Interest-bearing Credit Card Users --- p.17 / Consumption Pattern --- p.17 / Gender --- p.18 / Age --- p.18 / Occupation --- p.19 / Home Condition --- p.19 / Education --- p.20 / Credit Card Behaviors of Interest-bearing Credit Card Users --- p.20 / Heavy Credit Cards Users --- p.21 / Demographic Characteristics of Heavy Credit Card Users --- p.21 / Consumption Pattern --- p.21 / Gender --- p.22 / Age --- p.22 / Occupation --- p.23 / Home Condition --- p.23 / Education --- p.24 / Credit Card Behaviors of Heavy Credit Card Users --- p.24 / Roll over frequency --- p.24 / Roll over card balances --- p.25 / Chapter IV. --- ANALYSIS OF RESEARCH FINDINGS --- p.26 / General Card Users Distribution --- p.26 / Different Aspects of Credit Cards --- p.26 / Physical Functions Vs Psychological Functions --- p.26 / Card Issuers Vs Co-branding Partners --- p.27 / Price Conscious Credit Card Users --- p.28 / Credit Cards Usage --- p.28 / Default Risk of Credit Cards --- p.28 / Effective Marketing Program --- p.29 / Effective Marketing Program for General Users … --- p.29 / Effective Marketing Program for Interest-bearing Users --- p.30 / Effective Marketing Program for Heavy Users --- p.31 / Chapter V. --- RECOMMENDATION --- p.32 / Product --- p.32 / Functional Aspects of Credit Cards --- p.32 / Co-branding Partners of Credit Cards --- p.33 / Price --- p.33 / Place --- p.34 / Promotion --- p.35 / Promotion for General Credit Card Users --- p.35 / Promotion for Interest-bearing Credit Card Users --- p.36 / Promotion for Heavy Credit Card Users --- p.37 / Default Risk --- p.38 / Chapter VI. --- CONCLUSION --- p.39 / GLOSSARY --- p.42 / APPENDIX --- p.46 / Questionnaire (English version) --- p.46 / Questionnaire (Chinese version) --- p.51 / BIBLIOGRAPHY --- p.55

No description available.

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).

Thesis (Ph. D.)--Ohio State University, 2006. / An investigation of credit card debt: the effect of price and income expectations and the impact on consumption. Includes bibliographical references (p. 108-111).

[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.

Submitted by Suzanne Cordeau-Andrews (suzanne.cordeauandrews@sciencespo.fr) on 2016-03-18T02:19:55Z No. of bitstreams: 1 Thesis_Suzanne_Cordeau_Andrews_MPGI_2016.pdf: 1231657 bytes, checksum: 03d2896e8d3b0c81f9aa338f011a17ad (MD5) / Rejected by Ana Luiza Holme (ana.holme@fgv.br), reason: Dear Suzanne, The ficha catalográfica is missing, it's the first step. Also the title of your thesis is different from the oficial document from your examinig board, it should be the same. If the examinig board change it, please let me know so I can talk with Professor Servio, about it. If not, it should be the same from the examining board. Best. Ana Luiza Holme 37993492 on 2016-03-21T13:47:19Z (GMT) / Submitted by Suzanne Cordeau-Andrews (suzanne.cordeauandrews@sciencespo.fr) on 2016-04-01T12:58:01Z No. of bitstreams: 1 Thesis_Suzanne_Cordeau_Andrews_MPGI_2016.pdf: 1231657 bytes, checksum: 03d2896e8d3b0c81f9aa338f011a17ad (MD5) / Rejected by Ana Luiza Holme (ana.holme@fgv.br), reason: Suzanne, Ainda falta a ficha catalográfica, você de colocar no trabalho na pagina 3, por favor solicite a ficha catalográfica é o 1 step do e-mail que eu enviei ou se já tiver a ficha catalográfica coloque no trabalho. O ano no fim da pagina na 1, 2 e 4 paginas deve ser o ano de 2016 e não 2015. Cordialmente. Ana Luiza Holme 37993492 on 2016-04-01T14:04:44Z (GMT) / Submitted by Suzanne Cordeau-Andrews (suzanne.cordeauandrews@sciencespo.fr) on 2016-04-01T15:06:10Z No. of bitstreams: 1 Thesis_MPGI_Suzanne.pdf: 1231520 bytes, checksum: c24fd224b578c69af49175c32a8278d2 (MD5) / Rejected by Ana Luiza Holme (ana.holme@fgv.br), reason: Dear Suzanne, The ficha catalográfica is still missing. Did you do the 1 step that a send in the email? The library will send to you the information, so you can put in the thesis (ficha catalográfica) In the 3 page that's the ficha catalográfica, you put the information that the library send to you, in that box. Without it I can't approve your post. Best. Ana Luiza Holme 37993492 on 2016-04-01T16:53:07Z (GMT) / Submitted by Suzanne Cordeau-Andrews (suzanne.cordeauandrews@sciencespo.fr) on 2016-04-01T17:17:14Z No. of bitstreams: 1 Thesis_final.pdf: 1228887 bytes, checksum: b6f324b0d4b0247ca88ffe0ae78ff256 (MD5) / Approved for entry into archive by Ana Luiza Holme (ana.holme@fgv.br) on 2016-04-01T17:33:49Z (GMT) No. of bitstreams: 1 Thesis_final.pdf: 1228887 bytes, checksum: b6f324b0d4b0247ca88ffe0ae78ff256 (MD5) / Made available in DSpace on 2016-04-01T17:55:12Z (GMT). No. of bitstreams: 1 Thesis_final.pdf: 1228887 bytes, checksum: b6f324b0d4b0247ca88ffe0ae78ff256 (MD5) Previous issue date: 2016-02-25 / This research analyzes and compares the attractiveness of the Brazilian and Mexican credit card markets from a financial firm’s perspective. The market dynamics in Latin America’s two economic powerhouses are fleshed out with qualitative and quantitative data, using a strategic framework to structure the analysis. Since its adoption by both countries in 1956, credit card usage has experienced many years of double digit growth. However, penetration levels remain low compared with most developed countries. Brazil has a more developed credit card infrastructure, with more potential profit, and issuers might face fewer competitive challenges.  Alternatively, Mexico, is witnessing a more favorable economy, a friendlier business and regulatory environment, combined with fewer financial products that compete with the credit card. Therefore, this paper concludes that Brazil and Mexico both offer market opportunities for credit card companies that can navigate the different technological, demographic, macroeconomic, and regulatory shifts in each country. / A complexa indústria do cartão de crédito é composta por vários agentes que são impactados imensamente pelas mudanças: tecnológicas, demográficas, macroeconômicas e regulatórias. Ademais, é um dos poucos setores que não parou de crescer desde que foi criado e as projeções apontam para um contínuo desenvolvimento acelerado. Apesar desta indústria ter crescido rapidamente desde a sua entrada no México e no Brasil, em 1956, a sua taxa de penetração permanece baixa quando comparada aos países desenvolvidos. Esta dissertação analisa e compara os atrativos destes dois mercados latino- americanos do ponto de vista de uma empresa que atua no segmento. As dinâmicas destes dois mercados são apresentadas graças a uma pesquisa baseada em dados quantitativos e qualitativos e uma estrutura de analise estratégica. O principal objetivo desta tese é de mostrar oportunidades para uma empresa querendo expandir geograficamente sua operação de cartão de credito no mercado brasileiro ou mexicano. A conclusão desta dissertação é que ambos países possuem vantagens. O Brasil tem uma infraestrutura de cartão de crédito mais desenvolvida e o mercado parece ser mais lucrativo e com menos barreiras competitivas que no México. Por outro lado, o México tem indicadores econômicos mais promissores que os do Brasil. E o país também oferece um ambiente mais favorável para fazer negócios, o cenário regulatório é melhor e existem menos alternativas de crédito

The Statement of the Problem: The purpose of this study is to determine and analyze the attitude of restaurant operators in Miami Beach toward the use of credit cards at their establishment.

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