Charging Ahead : The Growth and Regulation of Payment Card Markets around the World / Ronald J. Mann.

Format:

Book

Author/Creator:

Mann, Ronald J., 1961-

Series:

Cambridge books online.

Language:

English

Subjects (All):

Credit cards.

Credit cards--Law and legislation.

Physical Description:

1 online resource (310 pages) : digital, PDF file(s)

Place of Publication:

Cambridge : Cambridge University Press, 2006.

System Details:

Mode of access: World Wide Web.

text file

PDF

Contents:

Part I The Basics of Payment Cards 7

1 Paper or Plastic? The Functionality of Payment Systems 9

2 The Mechanics of Payment Card Transactions 20

Part II Easy Money 35

3 In Defense of Credit Cards 37

4 The Psychology of Card Payments: Card Spending and Consumer Debt 45

5 Over the Brink: Credit Card Debt and Bankruptcy 60

Part III The Puzzle of Payment Cards 73

6 Explaining the Pattern of Global Card Use 75

7 The Introduction of the Payment Card 81

8 Revolving Credit 86

9 Point-of-Sale Debit 93

10 Convergence and Exceptionalism in the Use of Cards 106

Part IV Reforming Payment Systems 119

11 Indirect Approaches: Regulating Interchange and Encouraging Surcharges 121

12 Contract Design 128

13 Regulating Information 154

14 Product Design: Affinity and Rewards Programs and Teaser Rates 167

Part V Optimizing Consumer Credit Markets and Bankruptcy Policy 175

15 Causation, Consumer Credit and Bankruptcy 179

16 Regulating Consumer Credit Markets 188

17 Consumer Bankruptcy Reform 198

Appendix Country-Level Data 209.

Notes:

Title from publishers bibliographic system (viewed on 02 Mar 2012).

Other Format:

Print version:

ISBN:

9780511754227

9780521866118

Access Restriction:

Restricted for use by site license.