Seonglae Cho신용카드가 개인보다 카드사에 무조건 이득이란 건 멍청한 생각
카드사는 회비가 아니라 결제 수수료로 먹고 사는 것
신용카드의 프로세스는 3개 혹은 4개의 사업 참여자로 구성된다. 이를 3당사자 체제, 4당사자 체제
지급 시점이 즉시가 아니기 때문에 부채의 증가를 의미한다
Credit Card Notion
Credit Card Companies
Anatomy of a credit card rewards program
Interchange, a fee paid by card-accepting businesses, is distributed among various parties within the ecosystem, and also serves as an incentive for card users.
Anatomy of a credit card rewards program
Credit card rewards are mostly funded out of interchange, a fee paid by businesses to accept cards.
https://www.bitsaboutmoney.com/archive/anatomy-of-credit-card-rewards-programs
Banking System
EP15: What happens when you swipe a credit card? Also...
For this week's newsletter, we will cover: How does VISA work when we swipe a credit card at a merchant's shop? What are the differences between bare metal, virtual machines, and containers? (YouTube Video) How do you pay from your digital wallets, such as Paytm, Paypal, and Venmo, by scanning the QR code?
https://blog.bytebytego.com/p/ep15-what-happens-when-you-swipe
Visa’s Monopoly in card network
Justice Department accuses Visa of debit network monopoly that affects price of 'nearly everything’
Visa and Mastercard have surged over the past two decades, reaching a combined $1 trillion market cap. That has attracted unwanted attention from regulators.
https://www.cnbc.com/2024/09/24/doj-accuses-visa-of-debit-network-monopoly-that-impacts-price-of-nearly-everything.html
