Payment Cards Analyst

Advisor R.K. Hammer has been a payment cards analyst for decades while reporting on the performance and characteristics of all segments of the issuing business . One other emerging category which has received far less scrutiny, though, is what we term “Near-Prime.” “Other than subprime issuers, everyone of course would much prefer a portfolio of […]

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M&A Card Portfolio Sale

  M&A Card Portfolio Sale, A Simple Matter? To the uninitiated, many think that if one manages a credit card portfolio sale or purchase (or any business enterprise for that matter), after proper due diligence by each counter-party and acceptance of the counter-party’s final binding bid, you sign an agreement and that’s that.  Closing is […]

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Credit Card Expert Witness

How one chooses to deal with bad news, tells a lot about the integrity of people running the organization.  As a credit card expert witness RK Hammer can assist with the litigation. “Running and hiding” in the hope it will all just go away is never good PR strategy.   We’ve seen some business owners and […]

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Bank Card Consulting

Bank Card Consulting

It took over twenty-five years and still counting to create a bank card consulting practice with clients from over 50 countries on six continents. Maybe you would like to do the same.  Some of those clients took years to cultivate and develop earlier, though, as is often the case.  Business decisions with bank card clients […]

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Credit Card Portfolio Services

What happens when our credit card portfolio services provide only the highest card member satisfaction?  Nothing but good things.  For example, when we have better service levels and remember we are in the “Yes We Can” business, our card members become and remain more loyal to our enterprises. What can that mean?  It can mean lower card […]

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M&A Advisory Services

Bank Card Advisory Services

R.K. Hammer is a world-renowned bank card advisory services firm with a payment and credit card industry specialization, our research and that of many others have shown an escalating CPA curve for getting new credit card accounts.  Why is that? Well, for one the solicitation response rates have plummeted in the last ten years.  Ten years ago […]

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Credit Card Investment Banking

Credit card investment banking consultant Robert Hammer is an internationally known card expert with decades of industry experience, whose work has been cited in major global financial, banking, and credit union journals.  What “Red Flags” does R.K. Hammer look for in credit card investments? You watch the card issuer’s reporting, financial statements, regulatory filings, listen […]

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Credit Card Segments

Definitions of various credit card segments differ based upon what risk levels card organizations accept.  That can even change within an organization over time, as strategies change.  For example, the following bandwidth ranges are used by R.K. Hammer and others; but not all card issuers, as different card issuers don’t have identical risk appetites, which […]

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Credit Card Portfolio

Credit Card Portfolio Valuation

We’ve led the due diligence on 151 credit card portfolio valuation, sales and purchases, with our projects producing an estimated near $1B in pre-tax client profits. Deciding to sell your credit card portfolio is never an easy decision to reach, especially considering the very reason the sale would generate a profit is the strong current and future […]

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