Credit Card Operations Bülent Şenver

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Presentation transcript:

Credit Card Operations Bülent Şenver

Pay When? BEFORE 2009 Prepaid Card NOW 2010 Debit Card LATER 2011 Credit Card PAY

Credit Cards Policy and Operations

Core Banking and Processor Activities

Core Banking and Processing Activities Core Banking ActivitiesProcessing Activities

Credit Card Business Model

Acquiring Fraud Strategy, Risk Policy Finance, Marketing IT, Product mngt Chargeback Operations Customer Service Billing, Print & Mail Fraud Operations Data Processing Production & Origination applications

Issuing Fraud Strategy, Risk Policy Finance, Marketing IT, Product mngt Chargeback Operations Customer Service Billing, Print & Mail Fraud Operations Data Processing Production & Origination applications

Card Payment Process

Merchant Service Comission

Merchant Processor, Issuing Processor

European Pay Now & Later Values

Pay Now & Later

Payment Card Penetration

Slow down in growth

POS growth

POS

Cash is King

Interchange Fees

Interchange Fees

Turkey

Turkey Pay Now

Turkey Pay Later

Turkey

Turkey POS

Turkey Cash is King

Turkey Why Cards not Accepted

Turkey

Turkey Acquiring Banks

Credit Card Operations Thank you Bülent Şenver

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