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Tools for Managing Commercial Card Programs

出版商 Mercator Advisory Group, Inc. 商品编码 235230
出版日期 内容信息 英文 23 Pages
商品交期: 最快1-2个工作天内
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商务卡程式的管理工具 Tools for Managing Commercial Card Programs
出版日期: 2012年03月30日 内容信息: 英文 23 Pages






  • 目的问题:企业的智能卡种类
  • 文化的问题:企业的职员
  • 规模的问题:规模有多大?



  • 取决于系统组件的功能
  • 最好的功能建立
  • 新兴·新的功能


  • 智能卡发行银行·网路
  • 智能卡处理软件供应商
  • 替代解决方案
  • 供应商·产品简介:替代品




New report by Mercator Advisory Group examines Web-enabled solutions for card program managers

Boston, MA -- As the use of paper checks in the U.S. continues to fall, commercial cards and card networks are being used for an increasing variety of business-to-business (B2B) payment transactions, including virtual cards, ghost cards, and electronic settlement of noncard accounts payable. Many programs are expanding to include not hundreds but thousands of cards and card accounts. In many instances, program managers are struggling to control large and complex programs with software applications originally built for monitoring simple T&E spend and purchases of office supplies.

Mercator's latest report, “Tools for Managing Commercial Card Programs”, provides an overview of the range of solutions available, including those offered by issuing banks and those available from nonbank channels. The report describes challenges that program managers face in dealing with growing use of card network channels for electronic payments, and the new capabilities enabling managers of large programs to deal with the changes.

Highlights of the report include:

Five key capabilities that enable program managers to control risk and increase efficiency in conventional card programs, plus seven more innovative capabilities supporting larger and more complex programs

Identification of major card program management tools in the U.S. market, including those sourced from card networks, proprietary solutions from major issuers, and solutions delivered either directly or indirectly by card processing software providers

Profiles of several card management solutions available directly to card program managers, without issuing bank intermediation

Patricia McGinnis, director of the Commercial and Enterprise Advisory Service and the author of the report comments, “As commercial cards and card networks become a more appealing channel for B2B electronic payments, firms need more sophisticated tools to manage card and e-payables programs. New tools must accommodate a greater variety of payment types as well as the needs of larger groups of cardholders.”

One of the six exhibits included in this report:

The report is 23 pages long and contains six exhibits.

Companies mentioned in this report include: American Express, Comdata, MasterCard, Visa, Bank of America, Citibank, Columbus Bank & Trust, JPMorgan Chase, U.S. Bank, Wells Fargo, Wright Express, 3 Delta Systems, AOC Solutions, CSC, Fedac Processing, FIS, First Data, DeeCal International, HP, OpenWay Group, ProCard, TSYS, and TSYS iSolutions.

Table of Contents

Executive Summary


What Is Card Program Management Software?

Why Program Management Needs Vary

  • Purpose Matters: A Firm's Card Types
  • Culture Matters: A Firm's Personnel
  • Scale Matters: How Big Is Big?

Issuers Usually Deliver the Tools

What Capabilities Distinguish One Solution from Another?

  • Capabilities Depend on System Components
  • Established Best-of-Breed Capabilities
  • Emerging and New Capabilities

Sources of Card Program Management Tools

  • Issuing Banks and Networks
  • Card Processing Software Providers
  • The Alternative Solutions
  • Provider and Product Profiles: The Alternatives

Conclusion: Better Tools Can Enhance a Commercial Card Program

  • Copyright Notice

Figures and Tables

  • Table 1: Major Functions of Card Program Management Tools
  • Figure 1: Card Program Management Tools Come from Three Main Sources
  • Figure 2: Specialized Applications Add Breadth and Power
  • Figure 3: Straight-Through Processing Reuses Data Most Efficiently
  • Table 2: Networks and Top Tier Issuers Focus on Functionality
  • Table 3: Other Software Providers Emphasize Customizability
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