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Introduction 3
Background: State of the Credit Card Industry 3
- Exhibit 1: Total Volume - US Credit Card Volume By Brand - Year-over-Year Comparison 4
- Exhibit 2: Total Volume US Signature-Based General Purpose Cards 2000-2002 5
- Exhibit 3: Signature-Based Card Volume Breakout by Purchases/Cash 2000-2002 5
- Exhibit 4: Year-over-Year Growth Rates in Charge (Credit Card Only) Volume 6
- Exhibit 5: Growth Rates in Overall Volume 2000-2002 US Signature Based General Purpose Cards 6
- Table 1: Growth Rates for Select Periods for Charge Volume Only (By Brand) 7
- Exhibit 6: Growth in Reported Fraud Visa and MasterCard Combined Results 7
- Exhibit 7: Growth in Charge-Offs 8
- Exhibit 8: US Bankruptcies Filed 9
- Exhibit 9: US Charge-offs, Fraud/Non-Fraud, Aggregate Visa/MasterCard Members 9
- Exhibit 10: Quarterly US Debt Service Burden (Seasonally Adjusted) 10
- Exhibit 11: Growth in Consumer Lending 10
- Exhibit 11B: Credit Card Debt in Relation to Total Consumer Debt 11
- Exhibit 12: Consumer Credit Growth Converging on Consumer Debt Growth 12
- Exhibit 13: Quarterly Reported Aging and Charge-off Rates for FDIC Insured Institutions (Credit Card Only) 12
- Exhibit 14: Quarterly Aging and Charge-off Volumes for FDIC Insured Institutions (Credit Card Only) 13
- Exhibit 15: Quarterly Aging & Charge-off Absolute Dollar Volumes for FDIC Insured Institutions (Credit Card Only) - A Closer Look 13
Evolution of Scoring Tools 15
Figure 1: Analytic Tool Use Throughout the Account Lifecycle 16
Figure 2: Five Major Types of Credit Card Fraud 17
Selected Analytic Solutions from Major Industry Participants 18
Software Vendor Product Lines 19
Fair Isaac Corporation 24
Retail Decisions, Plc. 25
Neural Technologies, Ltd. 26
CyberSource Corporation 27
ClearCommerce Corporation 27
Magnify, Inc. 28
ACI Worldwide, Inc. (ACI) / Transaction System Architects, Inc. (TSA) 29
American Management Systems, Inc. (AMS) 30
First American Credit Management Solutions, Inc. (First American CMSI) 31
Scorex, N.A., Inc. (a Division of Experian, Inc.) 32
Credit Bureau Product Lines 33
Experian, Inc. 36
Equifax, Inc. 37
TransUnion, LLC 38
Processor Product Lines 39
First Data Corporation 39
Total System Services, Inc. (TSYS) 41
Associations & Other Product Lines 41
LexisNexis, a division of Reed Elsevier, Inc. 42
Visa International and Visa USA, Inc. 43
MasterCard International 45
Selected Solutions Summary 47
Modeling Techniques Enable New Solutions 48
Strategy Science from Fair Isaac Corporation 52
Credit Line Strategy Optimization (CLSO) 52
Customer Acquisition Strategy Optimization (CASO) 53
Conclusion 55
Case Studies/Examples 56
Reference ACI Implementations - CIBC & National Australia Bank 56
Reference Fair Isaac Solutions Implementation at Bank of America and Barclaycard 56
Reference ReD PLC Solution Implemented at PaySys Corporation 56 | 
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