Credit Card

Operations
Blent enver
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Pay When?
PAY

PAY

BEFORE

NOW

LATER

2009
Prepaid
Card

2010
Debit
Card

2011
Credit
Card

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PAY

Credit Cards Policy and Operations

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Core Banking and Processor

Activities

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Core Banking and Processing

Activities
Core Banking Activities

Processing Activities

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Credit Card Business Model

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Acquiring
Fraud Strategy, Risk Policy
Finance
, Marketing
IT
, Product mngt

Chargeback Operations
Customer Service
Billing, Print & Mail
Fraud Operations
Data Processing
Production & Origination applications
bs@bulentsenver.com

Issuing
Fraud Strategy, Risk Policy
Finance
, Marketing
IT
, Product mngt

Chargeback Operations
Customer Service
Billing, Print & Mail
Fraud Operations
Data Processing
Production & Origination applications
bs@bulentsenver.com

Card Payment Process

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Merchant Service Comission

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10

Merchant Processor, Issuing

Processor

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11

European Pay Now & Later Values

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12

Pay Now & Later

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13

Payment Card Penetration

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14

Slow down in growth

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15

POS growth

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16

POS

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17

Cash is King

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18

Interchange Fees

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19

Interchange Fees

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20

Turkey

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21

Turkey Pay Now

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22

Turkey Pay Later

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23

Turkey

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24

Turkey POS

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25

Turkey Cash is King

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26

Turkey Why Cards not Accepted

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27

Turkey

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28

Turkey Acquiring Banks

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29

Credit Card Operations

Thank you
Blent enver
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30