How New Rewards Programs Will Usher In a New Era of ... - Elan

[Pages:33]How New Rewards Programs Will Usher In a New Era of Debit Card Growth for FIs

Presented by:

Sandy Dennler Senior Product Manager Core Debit Processing Elan Financial Services

Ron Mazursky Director, Debit Advisory Services

Mercator Advisory Group

Brian Conroy Director of Strategic Relationships

Augeo Marketing

Debit Rewards & Loyalty

Presented by:

Ron Mazursky Director, Debit Advisory Services

Mercator Advisory Group

Presentation Overview

? Declining DDA Account Ownership ? Debit Card Household Ownership/Usage is Declining ? Debit card Usage Falling Among Young Adults ? The Need for the Debit Rewards Value-Add ? Regulatory impact on U.S. debit card business ? Durbin Amendment Impact on Rewards at Financial Institutions ? Growth in Interest in Merchant Fund?ed Discount Networks ? Issuer

Marketing Channels ? Processor Support of Rewards and MFDNs ? Debit Rewards Trends ? Programs at Larger Financial Institutions ? Debit Rewards Trends ? Fees and MFDNs at Larger Financial Institutions ? Debit Rewards Trends ? Smaller Financial Institutions ? Summary

? 2014

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Account Ownership is Declining

Survey Question: Which of the following types of accounts do you have at banks or credit unions? (Base = All respondents)

Checking Account Holders Age: 97% of seniors, 90% of 35?64 year olds, 84% of 25?34, but 76% of 18?24 have checking accounts

Race: 92% of Whites, 80% of Asians and Hispanics, 78% of Blacks have checking accounts

Income: 94% of $100K+ earners, 92% of $50K? 99K earners, 85% of ................
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