Issue 1 • 2009
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The Advisor - Actionable Intelligence from MasterCard Advisors
 
Table of Contents
Stairway out of Maze EDITOR'S NOTE
Retooling for a New Reality
By Andrea E. Glanz

This special edition of The Advisor offers strategies and tactics to help U.S. credit card issuers survive the current financial crisis in the short term and retool for renewed profitability in a new era of more responsible spending. Read More »
Rowing to safety THE ECONOMY 2.0
Uncharted Waters
By Kevin Mellyn

U.S. retail banks—and their credit card businesses—find themselves in territory either unexplored or long forgotten. It is not enough to plug leaks in current portfolios. Issuers must rethink their business models in this new era of more responsible credit card use. Read More »
Shifting environments CONSUMER INSIGHTS
Responsible Spending Is the "New Normal"
By Jeff Shaffer

Shaken by the credit crisis, consumers have cut spending and boosted savings in order to cope, as they look to make long-term changes to how they spend—and seek help in making the right payment choices. Read More »
Measuring and reducing risk RISK MANAGEMENT
It's All About Dollars at Risk
By Richard Openshaw

In this environment, bureau scores and long-standing risk models may no longer be up to the task. Issuers should more closely monitor customer behavior, fine tune credit line adjustments, and revisit pricing strategies. Read More »
Card users ACQUISITION
Boost Acquisition ROI by Looking in Your Own Back Yard
By Margot Vaughan

Where to look for revenue growth today? By leveraging insights from current customer relationships, banks can identify those customers most likely to deliver long-term profits as cardholders. Read More »
Account confusion OPERATIONS EFFICIENCY
For Card Operations, Three Ways to Do More with Less
By Catherine Weis and Steven Russell

Operations executives can retain their best customers, even with tighter budgets, by optimizing customer service, resolving disputes and chargebacks quickly, and improving authorization approval rates. Read More »
Data mining PORTFOLIO OPTIMIZATION
Focus on Your Best Customers
By Patricia Foell

Now more than ever, being top of wallet is the key to profitability. If issuers carefully analyze their portfolios and trim accounts with care, they can direct resources to their most valuable cardholders. Read More »