Can Personal Auto Insurers Avoid Pitfalls Encountered By Bank Credit Card Industry?(Statistical Data Included): An article from: National Underwriter Property & Casualty-Risk & Benefits Management

This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on November 15, 1999. The length of the article is 1635 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Can Personal Auto Insurers Avoid Pitfalls Encountered By Bank Credit Card Industry?(Statistical Data Included)
Author: Arlene Lyons
Publication: National Underwriter Property & Casualty-Risk & Benefits Management (Magazine/Journal)
Date: November 15, 1999
Publisher: The National Underwriter Company
Volume: 103 Issue: 46 Page: 25

Article Type: Statistical Data Included

Distributed by Thomson Gale

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Application of Artificial Intelligence to Assess Credit Risk: A Predictive Model For Credit Card Scoring

Application of Artificial Intelligence to Assess Credit Risk: A Predictive Model For Credit Card Scoring
Welcome to the most important step in Credit Card Scoring and Model Selection Procedure. Within these pages are the information you need to find what’s right scoring model for your bank, and to know how to minimize credit card risk. The next two hours of reading could easily save you many thousands of dollars on issuing credit cards for customers. Managers will get a chance to introduce themselves in the application of artificial intelligence in credit scoring.

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Greeting Cards & Other Publishing in the US – Industry Risk Rating Report

Industry Risk Ratings Synopsis

This Industry Risk Ratings report from IBISWorld evaluates the inherent risks associated with the Greeting Cards & Other Publishing in the US industry. Industry Risk is assumed to be ‘the difficulty, or otherwise, of the business operating environment’.

The report looks at the operational risk associated with this industry. Three types of risk are recognized in our analysis. These are: risk arising from within the industry itself (structural risk), risks arising from the expected future performance of the industry (growth risk) and risk arising from forces external to the industry (external sensitivity risk).

This approach is new in that it analyses non-financial information surrounding each industry. Industries are scored on a 9-point scale, where 1 represents the lowest risk and 9 the highest. The Industry Risk score measures expected Industry Risk over the coming 12-18 months.

Industry Definition

This industry comprises establishments known as publishers (except newspaper, magazine, book, directory, map, atlas, database and music publishers). These establishments primarily publish greeting cards, but other companies publish products including postcards, calendars, coloring books, yearbooks and more. Industry operators may publish in print or electronic form.

Report Contents

Risk Overview

The Risk Overview chapter includes sections on Industry Definition and Activities, Industry Risk Score and Risk Rating Analysis. The Industry Definition and Activities section provides a detailed definition of the activities carried out by operators in this industry as defined in NAICS. A list of the primary activities of the industry is also included. The Industry Risk Score section provides the Overall Industry Risk Score as well as the Risk Scores for each of the three types of risk covered that combine to form the Overall Industry Risk Score. These three types of risk are Structural Risk, Growth Risk and External Sensitivity Risk. The Risk Rating Analysis section discusses the underlying factors contributing to the Overall Industry Risk Score.

Structural Risk

The Structural Risk chapter looks at risk arising from within the industry itself and provides a detailed discussion of the industry’s level of exposure to seven key indicators. These key indicators are Barriers to Entry, Competition, Industry Exports, Industry Imports, Level of Assistance, Life Cycle Stage and Volatility of Industry. The Overall Structural Risk Score is a weighted aggregation of these seven key indicators. Each of the key indicators is discussed in detail in this section.

Growth Risk

The Growth Risk chapter looks at risks arising from the expected future performance of the industry. The Overall Growth Risk Score is determined by amalgamating the scores for Recent Industry Growth and Forecast Industry Growth. Detailed analysis is provided discussing the reasons for the growth scores of both.

Sensitivity Risk

The Sensitivity Risk chapter looks at risks arising from forces (sensitivities) external to the industry. The Overall External Sensitivity Risk Score is determined by identifying the most significant (up to 6) external factors and weighting them to represent how significant each sensitivity is to the performance of the industry. Examples of External Sensitivities are Exchange Rates, Interest Rates, Commodity Prices and Government Regulations. There is also a detailed analysis of the affect each of the sensitivities has on the industry, including charts and data tables where appropriate.

Industry Risk and Industry Risk Scoring Methodology

This chapter provides an overview of how IBISWorld defines Industry Risk and discusses the methodology used to arrive at an Industry Risk Score. There is also a table that provides a definition of the seven levels of Industry Risk.

51119 – Greeting Cards & Other Publishing in the US

32212 – Paper Mills in the US

32311 – Printing in the US

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Relapse Prevention Counseling Workbook: Practical Exercises for Managing High-Risk Situations

Relapse Prevention Counseling Workbook: Practical Exercises for Managing High-Risk Situations

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Household Information: Magazines Risk Disintermediation by CPG Sites

Household Information: Magazines Risk Disintermediation by CPG Sites

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A new paradigm for a competitive market: A new concept, competitive risk management, allows companies to exploit risk and profit from the risk/reward ratio … Focus).: An article from: Risk & Insurance

This digital document is an article from Risk & Insurance, published by Axon Group on February 1, 2002. The length of the article is 2662 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: A new paradigm for a competitive market: A new concept, competitive risk management, allows companies to exploit risk and profit from the risk/reward ratio that is inherent in every business transaction. (Risk in Focus).
Author: Robert C. Card
Publication: Risk & Insurance (Magazine/Journal)
Date: February 1, 2002
Publisher: Axon Group
Volume: 13 Issue: 2 Page: 25(2)

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U.S. Prepaid Phone Card 2005-2009 Forecast and Analysis: Risks and Opportunities Post-Acquisition of AT&T and MCI

U.S. Prepaid Phone Card 2005-2009 Forecast and Analysis: Risks and Opportunities Post-Acquisition of AT&T and MCI

This IDC study analyzes the U.S. prepaid phone card market by sizing the complete prepaid revenue opportunity today and growth potential in the next five years. Using primary IDC research and secondary market data, this study provides key industry metrics detailing prepaid card penetration, usage, consumer demand characteristics, service provider market share, and growth trends. This study also analyzes competitive strategies of leading prepaid phone card providers.

“After a decade of rapid market expansion, future growth in the U.S. prepaid phone card market can no longer be sustained by selling ever more cheap prepaid phone cards. SBC’s and Verizon’s respective acquisitions of AT&T and MCI during the first quarter of 2005 will further shake up competition in the prepaid phone card market. To survive, service providers must learn how to extend existing consumer relationships to gain a bigger share of the consumer prepaid budget.” — Wu Zhou, senior analyst, Converged Communications Services

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Gift Shops & Card Stores in the US – Industry Risk Rating Report

Industry Risk Ratings Synopsis

This Industry Risk Ratings report from IBISWorld evaluates the inherent risks associated with the Gift Shops & Card Stores in the US industry. Industry Risk is assumed to be ‘the difficulty, or otherwise, of the business operating environment’.

The report looks at the operational risk associated with this industry. Three types of risk are recognized in our analysis. These are: risk arising from within the industry itself (structural risk), risks arising from the expected future performance of the industry (growth risk) and risk arising from forces external to the industry (external sensitivity risk).

This approach is new in that it analyses non-financial information surrounding each industry. Industries are scored on a 9-point scale, where 1 represents the lowest risk and 9 the highest. The Industry Risk score measures expected Industry Risk over the coming 12-18 months.

Industry Definition

Operators in this industry retail a range of gifts, gift wrap, novelty merchandise, souvenirs, greeting cards, party supplies, seasonal and holiday decorations. This industry excludes retailers that operate primarily as used merchandise stores, electronic shopping and mail-order houses or discount retail stores.

Report Contents

Risk Overview

The Risk Overview chapter includes sections on Industry Definition and Activities, Industry Risk Score and Risk Rating Analysis. The Industry Definition and Activities section provides a detailed definition of the activities carried out by operators in this industry as defined in NAICS. A list of the primary activities of the industry is also included. The Industry Risk Score section provides the Overall Industry Risk Score as well as the Risk Scores for each of the three types of risk covered that combine to form the Overall Industry Risk Score. These three types of risk are Structural Risk, Growth Risk and External Sensitivity Risk. The Risk Rating Analysis section discusses the underlying factors contributing to the Overall Industry Risk Score.

Structural Risk

The Structural Risk chapter looks at risk arising from within the industry itself and provides a detailed discussion of the industry’s level of exposure to seven key indicators. These key indicators are Barriers to Entry, Competition, Industry Exports, Industry Imports, Level of Assistance, Life Cycle Stage and Volatility of Industry. The Overall Structural Risk Score is a weighted aggregation of these seven key indicators. Each of the key indicators is discussed in detail in this section.

Growth Risk

The Growth Risk chapter looks at risks arising from the expected future performance of the industry. The Overall Growth Risk Score is determined by amalgamating the scores for Recent Industry Growth and Forecast Industry Growth. Detailed analysis is provided discussing the reasons for the growth scores of both.

Sensitivity Risk

The Sensitivity Risk chapter looks at risks arising from forces (sensitivities) external to the industry. The Overall External Sensitivity Risk Score is determined by identifying the most significant (up to 6) external factors and weighting them to represent how significant each sensitivity is to the performance of the industry. Examples of External Sensitivities are Exchange Rates, Interest Rates, Commodity Prices and Government Regulations. There is also a detailed analysis of the affect each of the sensitivities has on the industry, including charts and data tables where appropriate.

Industry Risk and Industry Risk Scoring Methodology

This chapter provides an overview of how IBISWorld defines Industry Risk and discusses the methodology used to arrive at an Industry Risk Score. There is also a table that provides a definition of the seven levels of Industry Risk.

45322 – Gift Shops & Card Stores in the US

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Credit Card Issuance in Australia – Industry Risk Rating Report

IBISWORLD INDUSTRY RISK RATINGS REPORT

This is the replacement for IBISWorld’s November 2010 edition of Credit Card Issuance in Australia Industry Risk Ratings Report.

Industry Risk Ratings Synopsis

This Industry Risk Ratings report from IBISWorld evaluates the inherent risks associated with the Credit Card Issuance in Australia industry. Industry Risk is assumed to be ‘the difficulty, or otherwise, of the business operating environment’.

The report looks at the operational risk associated with this industry. Three types of risk are recognized in our analysis. These are: risk arising from within the industry itself (structural risk), risks arising from the expected future performance of the industry (growth risk) and risk arising from forces external to the industry (external sensitivity risk).

This approach is new in that it analyses non-financial information surrounding each industry. Industries are scored on a 9-point scale, where 1 represents the lowest risk and 9 the highest. The Industry Risk score measures expected Industry Risk over the coming 12-18 months.

Industry Definition

Operators in this industry issue credit and charge cards to businesses and consumers. These cards provide users with a line of credit to use for purchases or a cash advance. Credit card balances roll over month-to-month. The balances can be repaid in full or on an instalment basis. Charge card balances must be paid in full each month. Cards are not issued directly by Visa, MasterCard, Diners Club or American Express, instead these companies provide the transaction processing networks.

Report Contents

Risk Overview

The Risk Overview chapter includes sections on Industry Definition and Activities, Industry Risk Score and Risk Rating Analysis. The Industry Definition and Activities section provides a detailed definition of the activities carried out by operators in this industry as defined in NAICS. A list of the primary activities of the industry is also included. The Industry Risk Score section provides the Overall Industry Risk Score as well as the Risk Scores for each of the three types of risk covered that combine to form the Overall Industry Risk Score. These three types of risk are Structural Risk, Growth Risk and External Sensitivity Risk. The Risk Rating Analysis section discusses the underlying factors contributing to the Overall Industry Risk Score.

Structural Risk

The Structural Risk chapter looks at risk arising from within the industry itself and provides a detailed discussion of the industry’s level of exposure to seven key indicators. These key indicators are Barriers to Entry, Competition, Industry Exports, Industry Imports, Level of Assistance, Life Cycle Stage and Volatility of Industry. The Overall Structural Risk Score is a weighted aggregation of these seven key indicators. Each of the key indicators is discussed in detail in this section.

Growth Risk

The Growth Risk chapter looks at risks arising from the expected future performance of the industry. The Overall Growth Risk Score is determined by amalgamating the scores for Recent Industry Growth and Forecast Industry Growth. Detailed analysis is provided discussing the reasons for the growth scores of both.

Sensitivity Risk

The Sensitivity Risk chapter looks at risks arising from forces (sensitivities) external to the industry. The Overall External Sensitivity Risk Score is determined by identifying the most significant (up to 6) external factors and weighting them to represent how significant each sensitivity is to the performance of the industry. Examples of External Sensitivities are Exchange Rates, Interest Rates, Commodity Prices and Government Regulations. There is also a detailed analysis of the affect each of the sensitivities has on the industry, including charts and data tables where appropriate.

Industry Risk and Industry Risk Scoring Methodology

This chapter provides an overview of how IBISWorld defines Industry Risk and discusses the methodology used to arrive at an Industry Risk Score. There is also a table that provides a definition of the seven levels of Industry Risk.

Credit Card Issuance in Australia

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Credit Card Issuing in the US – Industry Risk Rating Report

Industry Risk Ratings Synopsis

This Industry Risk Ratings report from IBISWorld evaluates the inherent risks associated with the Credit Card Issuing in the US industry. Industry Risk is assumed to be ‘the difficulty, or otherwise, of the business operating environment’.

The report looks at the operational risk associated with this industry. Three types of risk are recognized in our analysis. These are: risk arising from within the industry itself (structural risk), risks arising from the expected future performance of the industry (growth risk) and risk arising from forces external to the industry (external sensitivity risk).

This approach is new in that it analyses non-financial information surrounding each industry. Industries are scored on a 9-point scale, where 1 represents the lowest risk and 9 the highest. The Industry Risk score measures expected Industry Risk over the coming 12-18 months.

Industry Definition

This industry issues credit cards, providing the funds required to buy goods and services in return for payment on a full balance or installment basis. Credit cards issued in the United States are not issued directly by Visa, MasterCard or any other payment-solution organization. Rather, Visa, MasterCard and other similar corporations provide the actual payment systems used when payments are made by credit card.

Report Contents

Risk Overview

The Risk Overview chapter includes sections on Industry Definition and Activities, Industry Risk Score and Risk Rating Analysis. The Industry Definition and Activities section provides a detailed definition of the activities carried out by operators in this industry as defined in NAICS. A list of the primary activities of the industry is also included. The Industry Risk Score section provides the Overall Industry Risk Score as well as the Risk Scores for each of the three types of risk covered that combine to form the Overall Industry Risk Score. These three types of risk are Structural Risk, Growth Risk and External Sensitivity Risk. The Risk Rating Analysis section discusses the underlying factors contributing to the Overall Industry Risk Score.

Structural Risk

The Structural Risk chapter looks at risk arising from within the industry itself and provides a detailed discussion of the industry’s level of exposure to seven key indicators. These key indicators are Barriers to Entry, Competition, Industry Exports, Industry Imports, Level of Assistance, Life Cycle Stage and Volatility of Industry. The Overall Structural Risk Score is a weighted aggregation of these seven key indicators. Each of the key indicators is discussed in detail in this section.

Growth Risk

The Growth Risk chapter looks at risks arising from the expected future performance of the industry. The Overall Growth Risk Score is determined by amalgamating the scores for Recent Industry Growth and Forecast Industry Growth. Detailed analysis is provided discussing the reasons for the growth scores of both.

Sensitivity Risk

The Sensitivity Risk chapter looks at risks arising from forces (sensitivities) external to the industry. The Overall External Sensitivity Risk Score is determined by identifying the most significant (up to 6) external factors and weighting them to represent how significant each sensitivity is to the performance of the industry. Examples of External Sensitivities are Exchange Rates, Interest Rates, Commodity Prices and Government Regulations. There is also a detailed analysis of the affect each of the sensitivities has on the industry, including charts and data tables where appropriate.

Industry Risk and Industry Risk Scoring Methodology

This chapter provides an overview of how IBISWorld defines Industry Risk and discusses the methodology used to arrive at an Industry Risk Score. There is also a table that provides a definition of the seven levels of Industry Risk.

52221 – Credit Card Issuing in the US

81411 – Maids, Nannies & Gardeners in the US

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