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Author: David S. Evans
Publisher: MIT Press
ISBN: 9780262550581
Category : Business & Economics
Languages : en
Pages : 388
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Book Description
The definitive account of the trillion-dollar payment card industry. The payment card business has evolved from its inception in the 1950s as a way to handle payment for expense-account lunches (the Diners Club card) into today's complex, sprawling industry that drives trillions of dollars in transaction volume each year. Paying with Plastic is the definitive source on an industry that has revolutionized the way we borrow and spend. More than a history book, Paying with Plastic delivers an entertaining discussion of the impact of an industry that epitomizes the notion of two-sided markets: those in which two or more customer groups receive value only if all sides are actively engaged. New to this second edition, the two-sided market discussion provides useful insight into the implications of these market dynamics for cardholder rewards, merchant interchange fees, and card acceptance. The authors, both of whom have researched the industry for more than 25 years, also examine the implications of the recent antitrust cases on the industry as well as other business and technological changes—including the massive consolidation brought about by bank mergers, the rise of the debit card, and the emergence of e-commerce—that could alter the payment card industry dramatically in the years to come.
Author: David S. Evans
Publisher: MIT Press
ISBN: 9780262550581
Category : Business & Economics
Languages : en
Pages : 388
Get Book
Book Description
The definitive account of the trillion-dollar payment card industry. The payment card business has evolved from its inception in the 1950s as a way to handle payment for expense-account lunches (the Diners Club card) into today's complex, sprawling industry that drives trillions of dollars in transaction volume each year. Paying with Plastic is the definitive source on an industry that has revolutionized the way we borrow and spend. More than a history book, Paying with Plastic delivers an entertaining discussion of the impact of an industry that epitomizes the notion of two-sided markets: those in which two or more customer groups receive value only if all sides are actively engaged. New to this second edition, the two-sided market discussion provides useful insight into the implications of these market dynamics for cardholder rewards, merchant interchange fees, and card acceptance. The authors, both of whom have researched the industry for more than 25 years, also examine the implications of the recent antitrust cases on the industry as well as other business and technological changes—including the massive consolidation brought about by bank mergers, the rise of the debit card, and the emergence of e-commerce—that could alter the payment card industry dramatically in the years to come.
Author: David S. Evans
Publisher: Mit Press
ISBN: 9780262550376
Category : Business & Economics
Languages : en
Pages : 373
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Book Description
Since Diners Club issued its first charge cards in 1950, payment cards—credit, debit, and charge cards—have revolutionized how and whenwe pay for goods and services. In Paying with Plastic, David Evans and Richard Schmalensee provide a nontechnical distillation of their years of research on the economic, technological, and institutional forces that have shaped the payment card industry. They show how competition works in an industry that does not neatly fit any of the standard economic models. They describe how the payment card companies such as MasterCard and Visa have developed complex systems for coordinating transactions among their thousands of bank members and millions of cardholders and accepting merchants. Evans and Schmalensee also describe recent developments in the industry and consider its likely evolution.
Author: Alya Guseva
Publisher: Stanford University Press
ISBN: 0804789592
Category : Business & Economics
Languages : en
Pages : 341
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Book Description
In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash? In Plastic Money, Akos Rona-Tas and Alya Guseva tell the story of how banks overcame these and other quandaries as they constructed markets for credit cards in eight postcommunist countries. We know how markets work once they are built, but this book develops a unique framework for understanding how markets are engineered from the ground up—by selecting key players, ensuring cooperation, and providing conditions for the valuation of a product. Drawing on extensive interviews and fieldwork, the authors chronicle how banks overcame these hurdles and generated a desire for their new product in the midst of a transition from communism to capitalism.
Author: Baby Professor
Publisher:
ISBN: 9781541912847
Category : Juvenile Nonfiction
Languages : en
Pages : 64
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Book Description
Credit cards are very common these days. Instead of paying with paper bills and coins, buyers present plastic money. The amounts purchased are charged exactly as the price tags. How credit cards work should only be introduced after the basic skills of counting and making change has been established. Learn something new everyday. Make it a habit to read. Good luck!
Author: Beth Terry
Publisher: Simon and Schuster
ISBN: 1634500350
Category : House & Home
Languages : en
Pages : 668
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Book Description
“Guides readers toward the road less consumptive, offering practical advice and moral support while making a convincing case that individual actions . . . do matter.” —Elizabeth Royte, author, Garbage Land and Bottlemania Like many people, Beth Terry didn’t think an individual could have much impact on the environment. But while laid up after surgery, she read an article about the staggering amount of plastic polluting the oceans, and decided then and there to kick her plastic habit. In Plastic-Free, she shows you how you can too, providing personal anecdotes, stats about the environmental and health problems related to plastic, and individual solutions and tips on how to limit your plastic footprint. Presenting both beginner and advanced steps, Terry includes handy checklists and tables for easy reference, ways to get involved in larger community actions, and profiles of individuals—Plastic-Free Heroes—who have gone beyond personal solutions to create change on a larger scale. Fully updated for the paperback edition, Plastic-Free also includes sections on letting go of eco-guilt, strategies for coping with overwhelming problems, and ways to relate to other people who aren’t as far along on the plastic-free path. Both a practical guide and the story of a personal journey from helplessness to empowerment, Plastic-Free is a must-read for those concerned about the ongoing health and happiness of themselves, their children, and the planet.
Author: Daniel Imhoff
Publisher: Watershed Media Books
ISBN: 9780984630455
Category : Nature
Languages : en
Pages : 0
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Book Description
The deceptively simple supermarket choice echoed in the title symbolizes the dilemma of a society on a collision course with the planet's life-support systems. About one-third of America's municipal solid waste is packaging--at least 300 pounds per person each year--and the "upstream" costs in energy and resources used to make packaging are even more alarming. In this fascinating and timely book, author Daniel Imhoff unwraps the packaging problem and gives consumers, product designers, and policymakers the information they need to take steps toward a more sustainable future.
Author: Akos Rona-Tas
Publisher:
ISBN: 9780804768580
Category : Consumer credit
Languages : en
Pages : 318
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Book Description
"In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a "credit-card economy" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash? In Plastic Money, Akos Rona-Tas and Alya Guseva tell the story of how banks overcame these and other quandaries as they constructed markets for credit cards in eight postcommunist countries. We know how markets work once they are built, but this book develops a unique framework for understanding how markets are engineered from the ground up - by selecting key players, ensuring cooperation, and providing conditions for the valuation of a product. Drawing on extensive interviews and fieldwork, the authors chronicle how banks overcame these hurdles and generated a desire for their new product in the midst of a transition from communism to capitalism."--back cover.
Author: Jennie Romer
Publisher: Penguin
ISBN: 0143135678
Category : Self-Help
Languages : en
Pages : 274
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Book Description
“If you’ve ever been perplexed by the byzantine rules of recycling, you’re not alone…you’ll want to read Can I Recycle This?... An extensive look at what you can and cannot chuck into your blue bin.” —The Washington Post The first illustrated guidebook that answers the age-old question: Can I Recycle This? Since the dawn of the recycling system, men and women the world over have stood by their bins, holding an everyday object, wondering, "can I recycle this?" This simple question reaches into our concern for the environment, the care we take to keep our homes and our communities clean, and how we interact with our local government. Recycling rules seem to differ in every municipality, with exceptions and caveats at every turn, leaving the average American scratching her head at the simple act of throwing something away. Taking readers on a quick but informative tour of how recycling actually works (setting aside the propaganda we were all taught as kids), Can I Recycle This gives straightforward answers to whether dozens of common household objects can or cannot be recycled, as well as the information you need to make that decision for anything else you encounter. Jennie Romer has been working for years to help cities and states across America better deal with the waste we produce, helping draft meaningful legislation to help communities better process their waste and produce less of it in the first place. She has distilled her years of experience into this non-judgmental, easy-to-use guide that will change the way you think about what you throw away and how you do it.
Author: Jeff Anderson
Publisher: Multnomah
ISBN: 1601425287
Category : Religion
Languages : en
Pages : 130
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Book Description
Once you see your gifts from God’s perspective, your giving will never be the same. When she was a toddler, Jeff Anderson’s daughter opened his eyes to how delighted God is with our gifts. She brought him a plastic donut from her play kitchen, and he was surprised by the intensity of his reaction. His delight in receiving this simple gift—and his daughter’s joy in giving it—led him to dig deeper. Anderson would not rest until he found the scriptural connection between our gifts and God’s heart. Plastic Donuts removes the awkwardness and uncertainty that often accompany discussions about giving. Now you can think differently—and biblically—about what and how you give. Your gifts can capture God’s attention and connect you more intimately with His heart. Plastic Donuts brings everyone—leaders and followers, teachers and learners—onto the same page.
Author: Martin J. Meyer
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 224
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Book Description
