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Breakout Tracks
Card Trends and OpportunitiesCustomer Loyalty and Engagement
Emerging and Mobile Payments
Regulation and Risk
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Join more than 700 peers in the cards and payments industry, including card issuers, payment networks, industry analysts, ISOs, and payments product and service providers, responsible for credit cards, loyalty and points programs, emerging payments, payment business strategies, marketing, operations and technology.
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Boca Raton Resort -
A Waldorf Astoria Resort
501 East Camino Real
Boca Raton, FL 33432
Conference Agenda
Thursday, May 10, 2012
THE REBIRTH OF CREDIT - MINUS THE DEBT
Consumers fled credit cards during the Great Recession, paring down debt and relying on signature and PIN debit to fund purchases. However, since the beginning of 2011, consumers have begun to spend with credit cards again. Analysis of First Data's proprietary SpendTrend data shows that this shift has potential to continue, and is taking place with less of an increase in consumer revolving debt, which traditionally has been the case. Merchants and financial institutions (FIs) must align to provide new experiences based on a combination of marketing, support and product offerings that leverages consumers' new mentality, as well as demand for multi-channel products.This presentation will address how the evolving usage patterns for credit offer both challenges and opportunities. You’ll hear why consumers returned to credit; new purchasing trends; and the impact on the business.