Paying with plastic : the digital revolution in buying and borrowing / David S. Evans and Richard Schmalensee.
2005
HG3755.8.U6 E94 2005 (Map It)
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Details
Title
Paying with plastic : the digital revolution in buying and borrowing / David S. Evans and Richard Schmalensee.
Published
Cambridge, Mass. : MIT Press, [2005]
Copyright
©2005
Call Number
HG3755.8.U6 E94 2005
Edition
Second edition.
ISBN
026255058X (pbk. : alk. paper)
0262050773 (hard : alk. paper)
0262050773 (hard : alk. paper)
Description
xiii, 367 pages : illustrations ; 23 cm
System Control No.
(OCoLC)55846242
Bibliography, etc. Note
Includes bibliographical references (pages [345]-352) and index.
Record Appears in
Added Author
Table of Contents
Preface
Acknowledgments
1 Plastic Cards
1
The Star
8
The Main Characters
12
Other Members of the Cast
14
Behind the Stage
18
The Foreign Cast
19
The Thirteen Acts
21
2 From Seashells to Electrons
25
The Evolution of Money
25
Buy Now, Pay Later
45
3 More Than Money
53
Dining on the Cuff
53
1958
56
The Birth of Co-opetition
61
Regulation and Stagflation
67
The 1980's Spending and Debt Spree
75
The 1990's and the Rise of the Debit Card
80
The Golden Anniversary and Beyond
84
4 From Gourmets to the Masses
87
The Growth and Diffusion of Payment Cards among U.S. Households
88
Using Payment Cards to Execute Transactions
90
Credit Card Lending: Joys, Sorrows, and Controversies
95
Credit Cards and Entrepreneurship
107
Room for Growth
113
5 From Sardi's to Saks.com
115
Getting to Be Everywhere You Want to Be
116
Getting Cheaper and Better
119
Not Everywhere Yet
126
Paying for Plastic
129
6 It Takes Two to Tango
133
Multisided Platform Economics 101
134
Business Models in Multisided Platform Markets
142
Multisided Platforms and Price Setting in Payment Cards
149
7 Co-opetition and the Payment Card Ecosystem
159
The Co-opetitives
162
Cooperation, the Tragedy of the Commons, and the Role of Rules
167
The Co-opetitives, the Go-It-Alones, and Payment Card Ecosystems
175
8 System Wars
185
Weapons of War
189
And They Don't Take American Express
190
Master the Possibilities
199
The Card That Is Just Like a Check
205
9 Issuer Brawls
213
Who Are the Players?
213
Product Variety and Market Segmentation
216
Competitive Strategies
225
Market Structure
228
Market Performance
232
Debit Issuance
240
10 Backroom Battles
247
The Evolution of the Payment Processing Business
248
Who's Who in the Back Room
251
Market Structure and Performance
258
11 The Antitrust Wars
267
Harm to Competitors or Harm to Consumers?
272
Who's In, Who's Out?
275
Who Pays for Plastic?
285
Square Pegs and Round Holes
294
12 On the Brink
297
Technologies from the Exotic to the Merely Smart
298
E-Commerce, E-Payments, and M-Commerce
304
Shaking up the Marketplace
310
13 And They Don't Take Cash
317
Sources and Notes
321
Selected Bibliography
345
Index
353