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Rising consumer prices, along with the high price of gas, have produced friction in the consumer payments arena. It is not only retailers and oil companies that are bearing the brunt of this consumer angst, but surprisingly the credit card industry as well. This Javelin research note analyzes the consumer reaction to credit card fees vis-à-vis merchants and others, and also looks at the potential fallout beyond gas prices as inflation, currently at 5.53%, may rise.

Primary Questions

  • Will consumers accept cash discounts for gasoline
    and other purchases?
  • Will this result in behavior change and overall
    decreased card usage?
  • Will there be a discernable decrease in transaction
    volume per cardholder?
  • How does the potential for card transaction
    surcharges among merchants further affect issuer
    profitability?
  • As inflation for other goods is highlighted in the
    media—beyond gasoline prices—what is the
    potential fallout and pressure on card issuers?
    ◦ From a public perception of the card
    industry perspective, and
    ◦ Potential increase in legislative and
    regulatory scrutiny?

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