Tag Archives: credit cards

A Case Studies on Money Management

Mr & Mrs X had £30,000 of unsecured borrowing consisting of credit cards and loans. Due to a reduction in Mrs X hours at work, their income did not cover the monthly repayments, which amounted to over £650. With the interest accruing every month on the amounts owed, the debts were growing month by month.

The couple approached Zebra Money Management who conducted a full review of their financial affairs. It was agreed that the couple would put together proposals for an Individual Voluntary Agreement (IVA). Mr & Mrs X could only afford to pay £320 per month, which was agreed by the creditors. This enabled the interest to be frozen on the accounts. With IVA in place Mr & Mrs X were able to cover the costs of the household again and get their lives back on track. Click here to read more…

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A Case Study on Bank Of Nanjing Co Ltd

Bank of Nanjing Co., Ltd. provides various financial products and services to micro or small enterprises, medium or large corporates, financial institutions, or individuals in the People’s Republic of China. The company offers a range of deposits; working capital, project, home, and consumer loans; debit and credit cards; and wealth management products. Click here to read more…

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Case Study on World Airways

When TWA approached us about producing a media kit, they had one goal in mind: attracting major advertisers to their Ambassador in-flight magazine. The target audience was media buyers who represent everything from hotels to restaurants, from credit cards to rental cars. The main obstacle to overcome was the misperception that TWA customers were not “upper echelon”. Potential advertisers held the belief that these travelers did not wield the desired buying power.

With all that in mind, we developed a binder that depicted the actual buying power of TWA consumers. We paired images of these consumers with the potential advertisers’ products and showed exactly how well-traveled and affluent they are. The combination of images and bullet points had a huge impact on media buyers — even at a quick glance. To complete the package, pockets adjacent to each page contain a brochure, rate card and informational sheets. Ad revenues for Ambassador soared once the package was distributed to media buyers. Click here to read more…

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Case Study in Customer-led innovation in a Competitive Market

The UK financial services sector has become increasingly competitive as a result of several changes. Successive UK governments have looked to encourage competition in financial services so as to give customers a better deal. An important development in this area was the so-called Big Bang in 1986. This opened up competition between firms on the London Stock Exchange, and also developed competition for High Street banking services, with new firms becoming eligible to apply for licences to carry out banking activities. Thereafter, individual institutions could carry out a range of functions such as personal banking, insurance, and offering mortgages, and the traditional distinctions between banks, building societies and insurance companies became blurred.

In particular, the Building Societies Act enabled (but did not require) building societies that had previously concentrated on offering savings and investment accounts and granting mortgages to provide a full range of banking services (e.g. current accounts, overdrafts, loans, provision of credit cards). Given this opportunity to become banks, many building societies changed their legal status. Previously many had been mutual benefit societies run on behalf of their members (people with investment accounts). Many became public limited companies with shares quoted on the London Stock Exchange. Click here to read more…

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Overview of Market for General Purpose Card Services

Visa and MasterCard compete in the market for general purpose card network products and services. General purpose cards, which include credit cards and charge cards, are payment devices that enable consumers to make purchases from unrelated merchants without immediately accessing or reserving funds. Visa and MasterCard are the two largest general purpose card networks. Together, they account for over 75% of all purchases made with general purpose cards in the United States.


The same large banks control both associations by simultaneously serving on the board of directors of one and on important committees of the other. In addition, each of these banks issues significant numbers of both Visa and MasterCard cards. Click here to read more…



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A Case Study in Flytoget AS

Case Study about Flytoget AS

The Challenge: Flytoget (FTG), the Airport Express Train is a high-speed train that transports passengers to and from Oslo Airport-Gardermoen, with eight stations along its routes. Striving to be the world’s fastest and most punctual airport link, FTG is in competition with airport buses and taxis. Convenience, rapid transfer and easy access are of essence to serving Flytoget’s passengers, 60% of whom are business travelers.





FTG sought to increase the portion of travelers who do not buy a ticket but rather charge the fare directly to their credit cards (ticketless traveling). The installation and commissioning of the new ticket system had to be done without impacting travelers-especially at peak morning and late afternoon times, and without adversely affecting customer satisfaction.

Click here to read more on Flytoget AS


A Case Study on Al Hilal Bank

The Customer: Al Hilal Bank was founded by the Abu Dhabi government in 2008. It has grown rapidly, and today Al Hilal has 14 branches and 64 ATMs spread across the United Arab Emirates (UAE), and 2 branches in Kazakhstan. The bank offers a full range of personal and business banking products and services including credit cards, insurance, vehicle finance and investments.





The Challenge: In its mission to consistently set new, world-class standards in customer service, Al Hilal Bank required a self-service channel that would offer the most advanced technology available now and leverage future technologies when they become available. The bank needed reliable, highly available ATMs that would exceed its customers’ expectations while improving operational efficiency and reducing cost and complexity. Click here to read more on Al Hilal Bank


Case Study on Paypal Merchant Services

Background: About networking: In April 2006, PayPal is closely monitoring the launch of Google’s online payment service. Google has offered a limited trial of its payment service alongside its beta test of Google Base (a searchable service that hosted used posted listings for items such as products, apartments, jobs and auto). This GB will provide ease for Google buyers to pay using their credit cards and for sellers to process payments since this is free to buyers and inexpensive for sellers compare to other options. Click here to read more…

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Case Study on Bank of Baroda, Powering International Operations with the Technology Advantage

Bank of Baroda (BOB), India’s fifth largest bank and prominent among the global top 200, has a century’s financial experience backing it. With assets in excess of USD 32 billion, the bank has a network of over 2800 branches and offices, and about 700 ATMs. Bank of Baroda offers a wide range of banking products and financial services to 29 million global corporate and retail customers, through various delivery channels, its specialized subsidiaries and affiliates in the areas of investment banking, credit cards and asset management. Today, Bank of Baroda has international presence across 5 continents, with a network of 71 offices in 25 countries, including branches of the bank, its subsidiaries and the representative offices. Click here to read more…

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