How and Why MarketScan makes a Difference

            ●      Over 30 years direct experience in managing and/or directing Debit Network Relationships.

●      Deep understanding of Debit Card Network interplay – drive increase in interchange. 

●      Extensive knowledge of fee categories and where to drive out cost.

●      Sharing of Key Performance Indicators vs. the Industry and calculations that drive deal recommendations.

●      Detailed knowledge of contractual language – ensure FI is protected. 

             ●      Coaching and mentoring of post contractual projects.

●      Post project support – no fee for follow-up questions.   

Challenges that MarketScan Solves

  ●       CHALLENGE –Reporting of key performance metrics surrounding your Card Based Program are shared in multiple reports and                                systems, making it hard to determine key facts about your portfolio.

SOLUTION – By utilizing MarketScan you will be coached and trained in the methodology we use to determine profitability -increasing your             knowledge and ability to manage the card processing, income and expenses, into the future.

●       CHALLENGE – FIs do not have insider knowledge regarding the interplay between providers in the Card Ecosystem.

  SOLUTION – MarketScan will coach and mentor your team sharing our industry-wide knowledge and benchmarks, ensuring the Card                           Program owners are able to manage the Products and Service into the future.

●       CHALLENGE – Card Processors will look to add their proprietary Debit PIN Network. By doing this you may have too many networks           or unfavorable terms.

    SOLUTION – MarketScan will review your network configuration and work with you to ensure you have the best interchange paying networks,             including review of options that are unaffiliated with your Card processor.   

●       CHALLENGE – The Durbin Amendment has given the ability to Merchants to decide what networks to use to route transactions.   The           merchant will always select the lowest cost which means you will receive less interchange.

  SOLUTION – Merchants will accept most debit networks to make sure customers can transact at the point of sale. MarketScan will review your    network configuration and work with you to ensure you have the minimum allowable networks forcing the merchants to route the networks              that give the FI the best interchange payouts. 

●       CHALLENGE – Relationships with VISA and MasterCard may be sponsored by your Card processor, limiting your interaction and                        profitability with the Brands.

   SOLUTION – MarketScan will manage conversations with the major Brand Networks to bring terms of Principle membership to the table -                  increasing your profitability through incentives and marketing programs.

●        CHALLENGE – The time and bandwidth to effectively manage a detailed RFP process for Card Processing can take several months and          hundreds of hours. Negotiations can often extend beyond 8 months. 

   SOLUTION – By utilizing MarketScan, we take over your project - creation of the baseline data, management of RFP, negotiations with current              and prospect providers, share our findings, make a final recommendation, review new contractual business terms, and finalize the contractual               process.

●       CHALLENGE – Our Credit Card Product set is out of date and may be irrelevant in the marketplace, not allowing us to grow our                         portfolio.

    SOLUTION – The process followed by MarketScan - developing a profit and loss statement, reviewing the marketplace for options, and                          comparing them against your strategy and objectives, will allow for you to make an educated decision about how to move forward. 

●     CHALLENGE – Understanding the relationships with a third-party credit card provider can be confusing.

   SOLUTION – MarketScan will deliver an unbiased viewpoint and recommendation, fitting the direction of your organization and ensure all                       aspects of a future program are understood.