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December 08th 2011:Payment Cards: Which Market? The 1% or the 99%?

UK-based payments and customer loyalty guru Roy Stephenson talks about how the payment card firms and banks across the globe are moving away from the "lend-centric" credit cards and chasing the 1% of big spenders who don't need to borrow. Surprise guest Ron Mazursky calls in to say the rich are one market, but card issuers and the merchants who rely on also them need to find ways to serve the unbanked and to invite us to the January meeting of NYPay to hear how- They debate whether the plastic ca

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Featured Guests

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Roy Stephenson

The founder and owner of Strategic Planning and Marketing (, Roy has more than 25 years in the payment card industry. While at American Express Roy launched its highly successful global commercial card business and currently advises both associations and issuers on developing business, corporate and fleet card programs. As consultant to MasterCard, Visa, Diners Club and AmEx, he works with issuers worldwide on Personal, Business, and Corporate card assignments, strategy reviews, profitability improvement, and strengthening their relationships with retail banking networks. Loyalty initiatives have included feasibility st
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Ron Mazursky

Ron, a Managing Director at Market Innovations, has over 25 years of global corporate and consulting experience in product development, marketing and strategy. An expert in consumer financial services marketing in payments, he has specialized in product and business development, segmentation, and profitability improvement. His client work emphasizes product development and innovation, with extensive work in loyalty programs. Earlier, Ron founded and managed Card Associates, and served as a Director at Edgar, Dunn & Co. and Novantas LLC. This followed corporate experience at MasterCard and JP Morgan Chase. Ron has written articles, spoken at conferences, taught market segmentation in N
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