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| San Francisco, CA, USA The Future of
Consumer
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| Executive Summary | 3 | |
| Introduction | 5 | |
| Credit Card Trends | 7 | |
| Debit Trends | 9 | |
| Prepaid Trends | 13 | |
| Challenges to Market Growth | 16 | |
| Merchant Retaliation | 16 | |
| Interchange | 18 | |
| Competitive Issuing Environment | 19 | |
| The Opportunity for Cards | 24 | |
| Quantifying the Opportunity | 24 | |
| Capturing the Opportunity | 25 | |
| Competitive Strategies and Trends | 29 | |
| Revisiting Old Strategies | 29 | |
| Understanding the Shifts in Consumer Lifestyles | 31 | |
| Providing a Distinctive Customer Experience | 33 | |
| Providing a Distinctive Product | 35 | |
| Conclusion | 37 | |
| Objectivity and Methodology | 39 | |
| About Celent | 40 | |
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