COVER STORY
  30 Bridging the Debit Gap
  Signature and PIN debit once were separate worlds, but in some respects, especially pricing, they're converging. Will the PIN eventually win out over the currently dominant signature-based form of point-of-sale debit?
  EDITOR'S NOTE
  4 Time for an Exit
  CARD WATCH
  6 A Hat Trick for Debit
  MasterCard; The Feds Take on Prescreening; and More.
  MERCHANT ACQUIRING
  12 PayPal's Proliferating Partnerships
  The payment service of eBay seeks to grow beyond the online auction market it dominates. PayPal already has struck up deals with companies as varied as Paymentech and Apple Computer. What's next?
  MARKETING
  18 Cards for the Rich: They're Different
  Card issuers are now singing, "Hey, big spender, spend a lot of money with me." CCM assesses the new competition in the market for the affluent consumer.
  26 An Inviting Prospect
  A Fair Isaac executive tells how card issuers can effectively use invitation-to-apply marketing campaigns to acquire new customers without exposing their portfolios to undue risk.
  DEBIT CARD REPORT
  38 Debit Rewards Gain Traction
  Offering a rewards program may become mandatory for small and mid-sized debit card issuers if they want to be competitive with the big banks. But how should they do it?
  39 A Wayside For Venture Capital
  There are lots of tech start-ups in the payments industry, but one, Way Systems, has something many don't have-backing from some of the industry's founders.
  COLLECTIONS & RECOVERY
  42 Getting Tough?
  The Office of the Comptroller of the Currency has put card issuers on notice that they must clearly disclose newer practices, such as raising interest rates when a cardholder misses a payment on another card. But consumer advocates say the OCC is doing too little, too late.
  AFTERTHOUGHTS
  48 A Question of Integrity
 

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