The credit and debit payment marketplace has been undergoing significant change in recent years—partly as a result of changing consumer behavior due to the Great Recession, and partly due to other changes such as changes in the regulatory environment.

This study is a comprehensive update of the situation in these markets, with a particular spotlight on the competitive landscape, consumer behaviors and attitudes, the regulatory and legislative environment, profitability drivers and current marketing strategies. Questions answered in this report include, but are not limited to the following:

The credit and debit payment marketplace has been undergoing significant change in recent years—partly as a result of changing consumer behavior due to the Great Recession, and partly due to other changes such as changes in the regulatory environment.

This study is a comprehensive update of the situation in these markets, with a particular spotlight on the competitive landscape, consumer behaviors and attitudes, the regulatory and legislative environment, profitability drivers and current marketing strategies. Questions answered in this report include, but are not limited to the following:

Which is winning in the battle for share of consumer wallet: credit, debit or neither? How is that expected to change in the near future?

What are the primary factors currently impacting profitability for these payment methods?

What are the new developments on the legislative and regulatory fronts, and how will these impact the industry?

Which is expected to have the greater impact on consumer behavior in the next few years – the “new frugality” or innovative rewards programs? What else are issuers doing to encourage consumers to spend again?