[Report] Australian Interchange Regulation Market Research, Trends, Analysis TOC

TABLE OF FIGURES
Introduction

I. Before: Setting Up The Experiment
- Not an Overnight Change
- Zero Hour Hits

II. After: Measuring Issuer Effects

A Short Haircut, Not A Decapitation
Secondary Effects (But Potentially Big Ones)
- Merchant Surcharging
- Card Pricing
Other Market Developments

III.Key Points for U.S. Observers

TABLE OF FIGURES

Figure 1: A Brief History of Australian Interchange Regulation
Figure 2: Interchange Structure Evolves Under Regulation
Figure 3: Net 4-Party Merchant Fees Drop 37%, versus 13% for AmEx and 8% for Diners (2003-2007)
Figure 4: Credit and Charge Card Monthly Volumes Flatten After Regulation
Figure 5: Total Credit Card Volume Continues To Grow, But At A Lower Rate
Figure 6: 4-Party vs. 3-Party Credit Card Share
Figure 7: Debit Transaction Volume Has Edged Above Credit
Figure 8: Figure 8: Account Pricing Increased To The Consumer
Figure 9: Cardholder Rewards Benefits Are Estimated To Have Declined 23% Since 2003
Figure 10: Growth In Accounts and Balances Were Not Clearly Affected By The Market Changes

Australian Interchange Regulation: Credit Card Issuer Effects

Table of Contents

TABLE OF FIGURES

Introduction

II. After: Measuring Issuer Effects

III.Key Points for U.S. Observers

TABLE OF FIGURES