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  • Bank One's Online Bank Services
    2,475 words
    Bank One In 1929, Commercial National and City National Bank of Commerce of Columbus, Ohio, merged to form City National Bank and Trust. City National offered the first Visa credit card outside of California in 1966; it also created the first drive-up bank, and was one of the first banks to use ATMs. A holding company called First Bank Group of Ohio was formed and it became Bank One in 1979. As interstate barriers to banking fell, the bank moved into Indiana, Kentucky, Michigan and Wisconsin. Th...
  • Major Competitors In The Credit Card Business
    1,092 words
    1. Why had the UK credit card industry been so profitable in the 1980's? Which factors were the greatest threats to continued profitability? At the beginning of the credit card history in the UK there was only one player, Barclays Bank, which started operating the card business in 1966. It didn't seem a profitable business at the beginning but the major banks were concerned that due to the use of the credit card, the logo of Barclay was appearing everywhere. The main sources of income in the cre...
  • Banks Offer Credit Cards
    650 words
    The silent epidemic sweeping the nation today is credit card abuse. As prices of goods increase faster than average wages, American families slide deeper into debt. In the meantime, the banks are flourishing from their desire to buy now and pay later. It is amazing how a small piece of plastic can be so dangerous. Society today almost requires people to carry credit cards. In my opinion, credit cards are one of America's family's most underrated problems. One could assume the banks encourage spe...
  • New Consolidated Friendly Cards Inc Ratios
    1,562 words
    Friendly Cards, Inc. Statement of the problem: Amy McConville, a friend and financial consultant of Wendy Beaumont, the president of Friendly Cards Inc., needs to come up with some suggestions concerning the financing of Friendly's expansion. Amy has been doing research on the firm and money is tight right now. The cost of financing growth right now is high and Friendly Card's is projecting 20% growth in sales next year and even more the following year. The company has never been without financi...
  • Their Credit Card Numbers On The Internet
    748 words
    FRAUD MANY OF MY FRIENDS and acquaintances are still reluctant to use their credit-card numbers on the Internet, even to buy from well-known merchants over secure connections, and even when their credit-card issuers offer full protection against fraudulent charges. This side of the Internet fraud problem has received much more attention than the other side: that Internet merchants have no really effective way to protect themselves against credit-card fraud. Standard credit-card processing softwa...
  • Smart Cards In Use
    1,077 words
    SmartCards What is a SmartcardA Smartcard is a standard credit card sized plastic card with an integrated circuit embedded in it. This integrated circuit includes a microprocessor and a bit of memory, which together hold information in electronic form and controls who uses the information and how they use it. The Smartcards ability to store and control many different types of information, as well as its large storage capacity, gives rise to several Smartcard applications. For example, a single S...
  • Fraud In The Credit Cards Industry
    1,926 words
    Credit cards have become such a familiar feature of the life style in the world that it is difficult to imagine a consumer economy functioning without them. The credit cards are nowadays the most convenient of all types of payments. The boom of the credit card industry has affected everyone in the world of the 'plastic money'. That was the name given to the credit card right after it was invented. Nowadays, the 'plastic money' occupies a very important place in the economy of the country. 'Settl...
  • Same Benefit With Normal Credit Cards
    297 words
    1. Who stands to benefit most from smart cards: banks, retailers or consumers? Explain. I think compared to banks and retailers, the consumer have the best benefit from Smart Cards. It is not only a substitute for credit cards, but also can be used for medical objects. Then the user don't have to carry a lot of different types of cards, like now. Banks have the same benefit with normal credit cards, because they are already a substitute for cash. The consumer on the other hand can use it in the ...
  • Credit Debit Card On Line Payment
    2,010 words
    A growing amount of economic activity is taking place on the Internet (Weiner, 1999). As a result, electronic payment displays a boom although paper based payment methods dominate the payment systems in the U.S. economy. So what is Electronic Payment? Electronic Payment refers to financial transactions that are made without the use of paper documents such as cheques or notes ("A consumer's guide of electronic payments", 2001). Recently, there are many different e-payment methods emerging on the ...
  • Atm Card
    744 words
    The Cash Machines By Navi rah Zafar Ji lani You " re short on cash, so you walk over to the automated teller machine (ATM), insert your card into the card reader, respond to the prompts on the screen and within a minute you walk away with your money and a receipt. These were such simpler times when ATM machines processed money with no error. But now as one walks in to withdraw money from the ATM, the user is greeted by the ATM card getting jammed and 'down link' on most of the ATM machines, just...

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