Paying with Plastic, Second Edition刷卡付帐：购买与借款的数字革命 下载 pdf 百度网盘 epub 免费 2025 电子版 mobi 在线

For better or worse，most of us have at least one of the 720 million little plastic cards that are used each year to complete $860 billion worth of purchases at 15 million incredibly varied merchant locations throughout the world。This is a far cry from the humble beginnings of these myriad credit，debit，and charge cards，which just a few decades ago were generally a perk offered only to elite customers for the acquisition of fine meals，hotel rooms，department-store goods，and oil-company products。They are now so common and such an integral part of our economy，in fact，that few pay them much mind--a situation that makes David Evans and Richard Schmalensee's Paying with Plastic all the more interesting。Evans，senior vice president of National Economics Research Associates，and Schmalensee，dean of MIT's Sloan School of Management，meticulously trace the history of these cards from both the consumer and merchant perspectives in this surprisingly appealing volume，which will prove enlightening to anyone who ever wondered how plastic money works。--Howard Rothman --This text refers to an out of print or unavailable edition of this title。

Preface

Acknowledgments XV

1 Plastic Cards

The Star

The Main Characters

Other Members of the Cast

Behind the Stage

The Foreign Cast

The Thirteen Acts

2 From Seashells to Electrons

The Evolution of Money

Buy Now,Pay Later

3 More Than Money

Dining on the Cuff

1958

The Birth of Co．opetition

Regulation and Stagflation

The 1 980s’Spending and Debt Spree

The 1 990s and the Rise of the Debit Card

The Golden Anniversary and Beyond

4 From Gourmets to the Masses

The Growth and Diffusion of Payment Cards among U．S．

Households

Using Payment Cards to Execute Transactions

　Credit Card Lending：Joys，Sorrows，and Controversies

　Credit Cards and Entrepreneurship

　Room for Growth

5 From Sardi’to Saks．corn

Getting to Be Everywhere You Want to Be

Getting Cheaper and Better

Not Everywhere Yet

Paying for Plastic

6 It Takes Two to Tango

Multisided Platform Economics

Business Models in Multisided Platform Markets

Multisided Platforms and Price Setting in Payment Cards

7 Co’opetition and the Payment Card Ecosystem

The Co-opetitives

Cooperation,the Tragedy of the Commons，and the R01e of

　The co-opetitives，the Go-It-Alones，and Payment Card

　Ecosystems

8 System Wars

Weapons of War

And They Don’t Take American ExDress

Master the Possibilities

The Card That Is Just Like a Check

9 Issuer Brawls

Who Are the Players?

Product Variety and Market Segmentation

Competitive Strategies

Market Structure

Market Performance

Debit Issuance

10 Backroom Battles

　The EVolution of the Payment Processing Business

　Who’s Who in the Back Room

　Market Structure and Performance

11 The antitrust wars

12 On the brink

13 And they don’t take cash

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书籍介绍

The payment card business has evolved from its inception in the 1950s as a way to handle payment for expense-account lunches (the Diners Club card) into today's complex, sprawling industry that drives trillions of dollars in transaction volume each year. Paying with Plastic is the definitive source on an industry that has revolutionized the way we borrow and spend. More than a history book, Paying with Plastic delivers an entertaining discussion of the impact of an industry that epitomizes the notion of two-sided markets: those in which two or more customer groups receive value only if all sides are actively engaged. New to this second edition, the two-sided market discussion provides useful insight into the implications of these market dynamics for cardholder rewards, merchant interchange fees, and card acceptance. The authors, both of whom have researched the industry for more than 25 years, also examine the implications of the recent antitrust cases on the industry as well as other business and technological changes—including the massive consolidation brought about by bank mergers, the rise of the debit card, and the emergence of e-commerce—that could alter the payment card industry dramatically in the years to come.