Académique Documents
Professionnel Documents
Culture Documents
in an c ial
e rvic e s
prac tic e
Sameer Gulati,
Exhibit 1
Attackers are
targeting bankingrevenue sweet spots.
Payments revenue
Indexed1
100
4
17
15
11
Total
revenues
Merchant
services
Card issuing
53
Noncard
transaction fee
Noncard
maintenance fee
Net interest
income
Exhibit 2
Emerging nonbank
competitors operate
at a higher level
of operational
productivity.
Source: Dealogic
Adyen
Square
PayPal
GlobalCollect
Provides 24/7 global shopper support integrated across phone and digital
Sage
Western Union
Exhibit 3
Fast follower
Catalyst
Leader
Enable innovators to
develop solutions
Current examples
in EMEA1
Crdit Agricole
Barclays
Danske Bank
BBVA
Exhibit 4
Based on
point-of-service
payments
preferences,
consumers fall into
one of eight profiles.
% of point-of-service purchases
using each method 1
Debit-card users
22% of households
32 transactions/month
Credit-card users
13% of households
32 transactions/month
37
24
27
51
18
6
8
Unbanked 3
10% of households
26 transactions/month
11
27
78
17
Other2
10
88
Prepaid debit
Credit
87
Debit
Checks
Banked-cash users
16% of households
26 transactions/month
8 4
13
Cash
60
Check writers
4% of households
21 transactions/month
12
70
70