金融服务Financial Service的问题.如果信用卡已经到了成熟期,应该怎么办?重点是最后一问：Consultants have produced a report for your bank which indicates that credit cards have reached the maturity stage of the product life

金融服务Financial Service的问题.如果信用卡已经到了成熟期,应该怎么办?重点是最后一问：Consultants have produced a report for your bank which indicates that credit cards have reached the maturity stage of the product life
金融服务Financial Service的问题.如果信用卡已经到了成熟期,应该怎么办?
重点是最后一问：
Consultants have produced a report for your bank which indicates that credit cards have reached the maturity stage of the product life cycle and may be moving into decline.As a marketing manager,you have been asked to take action on this report.
­\x05What steps will be involved in the development of a re-positioned credit card for the bank?
­\x05How could this re-positioned card be differentiated from the cards of the competition?

金融服务Financial Service的问题.如果信用卡已经到了成熟期,应该怎么办?重点是最后一问：Consultants have produced a report for your bank which indicates that credit cards have reached the maturity stage of the product life
The Re-positioned card should meet the following two points:the feature of Maturity stage,and the Trends of Financial Services.Let me detailed description.
the feature of Maturity Stage as stated earlier,in the maturity stage,
Sales grow at a decreasing rate and then keep steady.
At this point the market reaches equilibration.
Price wars and intense competition occur.
Producers differentiate to brands are keys to this.
Producers begin to leave the market due to poor profits.
Promotion becomes more widely and uses a greater variety of media.推
Brand loyalty develops imparting profits.
And let us review the Trends of Financial Services
E-business and Universal Banking.Business activity is being conducted through online banking and transactions.
Customer Relationship Management.To build customer loyalty,companies must strive to accommodate the customers' expanding needs for personalized services and greater convenience.
We can get the KEY WORD of the Re-positioned card:Uses a greater variety of media to promote sales
Differentiate to brands is keys
Attract Clients,use the Brand loyalty to keep it.(stable income,high consumption) 
So we can present two kind of the re-positioned card which can be differentiated from the cards of the competition
Co-branded credit cards:They are credit cards,which are associated with a particular firm like an airlines or retail merchant.These cards can be used just like regular credit cards but generally be issued more cheaply than private label retail cards,they also offer benefits to users of the relevant product like frequent travel points and special discounts.Today co-branded cards are available for a large number of sectors including travel,telecom,retail,entertainment and so on.
Co-branded cards often come with a variety of in’centives,such as discounts or rebates of various types.This type of card is designed to give the issuing bank access to the retailer's customer base.
For banks they offer a way to distinguish their products from their competitors now that everyone offers basic credit cards.For consumers they offer attractive deals in different product niches as well as a good reason to get multiple cards.
Travel/Airline Credit Cards - Virgin Atlantic.Frequent travelers can enjoy savings with a travel/airline credit card.
Cash Back Credit Cards - Capital One World.The reward scheme credit cards offer cardholders rewards or cash back.
 
Corporate credit card:Corporate credit cards are a distinct group within the greater credit card universe,separate from both personal and small business credit cards.
Benefits:Ease of Bookkeeping.Using a business credit card for most purchases can help you track expenses over time.Having a business credit card also prevents you from mixing personal and business finances.
Protection against employee fraud.Each employee responsible for purchasing equipment or services can be issued a credit card.Many credit card companies also offer protection against employee fraud and will cover charges up to a certain amount.
Rewards Can Help Your Business.While many credit card companies offer cash back and other typical rewards on their business credit cards,there are also incentives specially for business owners.
Helps Build Business Credit.Opening a business credit card can help you establish independent business credit.
Those were two kind of the new credit card:Co-branded credit cards corporate credit card
Now let us partner Shan make a summary for our presentation.