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New Challenges and New Opportunities in the ... - Bernardo Nicoletti

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Creat<strong>in</strong>g a truly <strong>in</strong>tegrated payment systems strategy<br />

Prepaid<br />

D E B I T<br />

Debit<br />

Credit<br />

(deferred<br />

debit)<br />

C R E D I T<br />

Revolv<strong>in</strong>g<br />

Mass market<br />

(Immigrants <strong>in</strong>cluded)<br />

Gift Card /<br />

Prepaid<br />

Debit<br />

Credi<br />

t<br />

Revolv<strong>in</strong>g<br />

Upgrad<strong>in</strong>g<br />

Gol<br />

d<br />

Segment<br />

s<br />

Basic<br />

service<br />

(for free)<br />

Additiona<br />

l<br />

services<br />

Yout<br />

h<br />

High<br />

valu<br />

e<br />

Prepaid Debit Credi<br />

t<br />

Credi<br />

t<br />

• Security Pack (EMV+SMS alerts + ATM <strong>the</strong>ft <strong>in</strong>surance + Fraud <strong>in</strong>surance)<br />

• Image<br />

personalization<br />

• Insurance sales: Travel, Loans, Accidents <strong>in</strong>surances ...<br />

• Cobr<strong>and</strong>ed<br />

Cards<br />

Revolv<strong>in</strong><br />

g

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