Paying with Plastic: The Digital Revolution in Buying and Borrowing
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.
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This is the single best book I've found about the payment card industry.
Review: Paying with Plastic: The Digital Revolution in Buying and BorrowingUser Review - Goodreads
Very thorough overview of the payment industry although getting a bit dated.
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Paying with Plastic: The digital revolution of buying and borrowing
Paying with Plastic: The Digital Revolution in Buying and Borrowing Second Edition. David S. Evans and Richard Schmalensee MIT Press, 2nd ed., 2005 ...
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JSTOR: Paying with Plastic: The Digital Revolution in Buying and ...
Paying with Plastic: The Digital Revolution in Buying and Borrowing. By David Evans and Richard Schmalensee. Cambridge, Mass.: MIT Press, 1999. xii + 373 pp ...
Paying with Plastic, 2nd Edition - The MIT Press
The definitive account of the trillion-dollar payment card industry, co-authored by Sloan School Dean and Professor Richard Schmalensee
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Paying with Plastic — Summary | getabstract
Download the five-page summary of Paying with Plastic by Richard Schmalensee and David S. Evans (MIT Press, 2005). The Digital Revolution in Buying and ...
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