Main types of services:
- Strategic analysis
- Cost-benefit analysis
- Market studies
- Business case calculations
- Benchmarking studies
- Empirical market analysis
- Marketing consulting
- Organisational and IT consulting
- Project management
- Expertise on payment regulation
- Legal expertise (together with lawyers)
- Workshops
- Recruitment support
A selection of current projects and studies:
Credit-/debit card issuing
- Benchmarking analysis: profitability of credit card issuing
- Market study: Swiss debit and credit card market
- Analysis: ec-card versus Electron-card
- Market analysis: cross-border issuing corporate cards
- Market analysis: scoring for direct debit schemes
- Business case for customer cards
- Interchange from a regulatory and business point of view
- Market- and business case study: credit card „double“ (Visa plus EP/MC)
- Analysis of the costs of debit card payments (prepared for the German banking sector)
- Overview of currency conversion fees for credit card transactions
- Cost-benefit analysis for an average credit card
- Market- and feasibility study: rebates and bonuses related to credit card turnover
- Market segmentation and profitability of card based payment systems
Credit/debit card processing
- Analysis of Switch and Cartes Bancaires
- Market study: credit card processing Germany
- Support for the re-organisation of credit card processing
- Market analysis: bank card processing in Europe
- Feasibility study: debit card processing
- Country report: inhouse processing vs. outsourcing of card processing in Europe
- Evaluation of processing offers for issuers
- Profitability study: processing (Visa versus Eurocard)
- Price-performance comparison of third party processors
- Supporting the choice of card management system
- Benchmarking analysis for card processing
Merchant-Acquiring
- Business analysis of interchange determination
- Support of retailer who wants to accept card payments (choice of terminal, polling agent, etc.)
- Market study: acquiring in Germany
- Global credit card acquiring
- Feasibility study: credit card acquiring
- Market study: new positioning of acquiring business
- Market study: electronic cash/POZ/ELV
Merchant-Processing
- Evaluation of processing offers for acquirers
- Market study: multi-currency acquiring processing
- European benchmarking: third party processing
Payment and clearing systems of non-banks
- Market analysis: customer cards in Germany
- Customer cards, city cards and customer clubs in the retail sector
- Market analysis: innovative clearing system, local currencies (barter clubs)
- Handbook: LETSystems and barter clubs
- Legal feasibility of multi-merchant bonus systems
Chip cards and electronic purses
- Market analysis: chip cards in the German banking market
- Analysis of e-purse regulations of the German banking associatons
- GeldKarte vs. P-Card from a retailer’s point of view
- Country study: chip cards in Germany
Internet, E/M-Payments and Online-Banking
- Analysis of the implementation of the E-Money Directive
- Payment methods for internet auctions
- Market analysis: PayPal in Germany
- Analysis: Micropayments in the Internet
- Legal and political rules and regulations regarding micropayments
- Market analysis use of GeldKarte in the Internet for payment and load functions
- Merchant business in the Internet
- Market analysis Online banking of German „Direktbanken“
Expertise: digitalisation as a challenge for the current monetary order