Premium Essay

Visa Card Case

In: Business and Management

Submitted By oneeza
Words 840
Pages 4
Read the case titled "Starbucks, Bank One, and Visa Launch Starbucks Card Duetto Visa" in the Resources and address the following components in your assignment:
• Answer discussion questions 2 and 4 at the end of the case.
2. Build the management-research question hierarchy for this project.
Step 1: Management Dilemma
Is there a brand fit between credit card and Starbucks? How does the customer value the different benefits being offered by the Starbucks Duetto Visa card? How does the customer value "the give back to the community component"?
Step 2: Management Questions
If there is a match between the brand and the customers value the benefits of Starbucks Duetto Visa card, the card should be launched to as large an audience as possible.
Step 3: Research Questions
Starbucks should go in for the full launch of Starbucks Duetto Visa card.
Starbucks should go in for a limited launch of Starbucks Duetto Visa card
Starbucks should launch the Starbucks Duetto Visa card without give-back-to-the community component.
Step 4: Investigation Questions
Does Starbucks Duetto Visa card clash with the image of Starbucks?
How much do the benefits of Starbucks Duetto Visa card appeal to the customers?
How much do the planned give back to the community component appeals to the customers of Starbucks Duetto Visa card?
Step 5: Measurement Question
What is the extent to which the perception of Starbucks is hurt by Starbucks Duetto Visa card.
In dollars what is the perceived value to the customer of the benefits offered by Starbucks?
In dollars what is the perceived value to the customer of the planned give back to the community component of the Starbucks Duetto Visa card.
Step 6: Management Decision
The management decision is to go in for a full launch of Starbucks Duetto Visa card with benefits and give back to the community component.

4. The Duetto Card team...

Similar Documents

Free Essay

Compensation Powerpoint

...Compensation As it Relates Foreign Nationals Compensation and all that it entails can be pretty complicated. This is even more the case when the job offer is made to a candidate that is working under an H1B Visa, and/or seeking a Green Card through the employment relationship. Not only, can this be a complicated and somewhat drawn out process, it’s also very, very expensive cost to the business that will sponsoring the candidate. Also there are many hoops to jump through when it comes to the Department of Labor’s and Department of Homeland Securities involvement in the process. I will attempt to provide you with insight as to how the process works from start to finish. After, and only after, a job is offered and accepted by an alien, the process of obtaining H-1B visa status can begin. One can apply for H1B visa/status six months prior to the commencement of the petitioned employment, but no earlier. For example, if an employer knows they will have a certain opening approximately six months out, and they have a pre-chosen candidate, the process can begin based on this assumption. It is important to apply for the visa as early as possible (for the time being, this means as early as 6 months before your start date) due to the fact that the H-1B quota is currently being used up very quickly. There is only a pre-determined amount of ‘spots’, (visas) available, and it works kind of like a lottery. Given the constraint on the H-1B quota, it is always best for employers or......

Words: 1699 - Pages: 7

Premium Essay

EB-2 Visa Case Study

...Everything you need to know about EB-2 Visas- From most experienced visa attorney Martin Lawler A large number of the US employers look to hire foreign workers for their businesses under the EB-2 green card/visa program. Every year the United States allows a particular number of green cards under the EB-2 visa program for foreign workers who are required by the US businesses to fill specific employment vacancies Essentially, an EB-2 green card is available for the individuals/ foreign workers who fall under the United States’ second preferred category-EB-2 program. The EB2 Green Card is an extremely desirable proposition for the foreign nationals since it can pave a faster way to permanent U.S. residence status. EB-2 visa category is closely...

Words: 986 - Pages: 4

Free Essay

Business Law Ch.24 Case

...whether the networks’ (Visa and MasterCard) rules barring member banks from issuing cards on the rival networks were illegal restraints of trade under the Sherman Act, and in what way these rules harmed competition, we need to pay attention to several details. First, under Section 1 of the Sherman Act “every contract, combination in the form of trust or otherwise, or conspiracy, in restraints of trade or commerce among the several States, or wit foreign nations, is hereby declared to be illegal and is felony punishable by a fine and/or imprisonment”. On one hand, Visa, MasterCard, American Express and Discovery are the four major credit- and charge-card networks in the United States. This makes the credit card industry highly concentrated, meaning that a small number of firms control a large percentage of market sales. Although Visa and MasterCard are joint ventures and they bar member banks from issuing cards on rival networks, they still compete against each other. On top of that, Visa and MasterCard may argue that even though the rules that they established with member banks hurt their competitors (American Express and Discovery), it doesn’t necessarily harm competition. Amex and Discovery themselves issue cards to customers, thereby staying in the market. Also, the agreement can be considered a vertical restraint of trade. Vertical restraint is any restraint on the trade created by agreements between firms at different levels. While in case of Visa and MasterCard the......

Words: 844 - Pages: 4

Premium Essay

Nab Visa Debit Card

...NAB Visa Debit Card “Use your everyday account where Visa is accepted.” NAB Hayley Plose – 695443X Natasha Underwood - 6534783 Tristan Moran - 6945627 Executive Summary Contents Executive Summary 2 Introduction 5 Situation Analysis 6 Competitors 6 PESTEL Analysis 6 SWOT Analysis 7 Market Size 8 Major users 9 Motivating factors 9 Information Search 10 Product Description 11 IMC Objectives 12 Target Audience 13 Segmentation 14 Budget 14 Communication Strategy 15 (1) Receiver/Comprehension 15 (2) Channel/Presentation 15 (3) Message/Yield 15 (4) Source /Attention 16 Creative Strategy 17 Advertising Campaign Theme 17 Television and Radio Media 18 Magazine and Newspaper Media 19 Support Media 19 Media Objectives 20 Media Messages 21 Website 24 Sales Promotion 24 Campaign Research and Evaluation 25 Conclusion 26 Recommendations 27 References 28 Bibliography 29 Appendices 30 Introduction NAB Smart Everyday Accounts gives you access to your own money via NAB Visa Debit. Like a credit card, it enables you to make purchases online, over the phone, overseas, or wherever Visa is accepted, but all the time using your own money. The NAB Visa Debit card is the key to an evolving E-commerce world. The campaign is being developed to attract the new generation of 16-18 year olds, who don’t have a credit card and are wishing to make online purchases. It is important for pre-adolescent to feel......

Words: 4693 - Pages: 19

Free Essay


...need a visa and the requirements for these vary according to nationality, passport or Travel Document used, purpose and duration of the trip. What documents will be required? – Fully completed visa application form – two passport photographs – valid national passport & one copy – original of valid resident visa – confirmation letter from your health insurance stating coverage & one copy – proof of group travel/ hotel booking in Spain/ airline reservation for Spain & one copy – Closed round-trip or tour ticket – current bank statement & one copy – reference letter from your employer/ education institution – Document certifying the existence of commercial, industrial, or other – visa fees for Spanish Visa. Time required to issue a visa: The maximum period for processing short stay (Schengen) visa applications is fifteen (15) calendar days from the date the application is submitted. This period can be extended to a maximum of 30 calendar days in specific cases, especially if a more detailed examination of the application is required. By way of exception, in specific cases in which additional documentation is required, this period can be extended to a maximum of 60 calendar days. Visas are not granted on the spot and should be applied for well in advance in order to allow enough time to process them. The foreign national must collect his or her visa within two months of being notified that it has been granted. In the case of a resident’s, work, or student’s visa,......

Words: 495 - Pages: 2

Premium Essay


...Merchant Acquirers and Payment Card Processors: A Look inside the Black Box RAMON P. DEGENNARO The author is the SunTrust Professor of Finance at the University of Tennessee and a visiting scholar at the Federal Reserve Bank of Atlanta. He thanks Jerry Dwyer, Dick Fraher, Scott Frame, Will Roberds, and Lynn Woosley for useful comments and discussions. He is grateful to Timothy Miller and Mario Beltran of NOVA Information Systems for explaining important institutional details and to Lee Cohen and Victoria L. Messman for research assistance. L ike most consumers, you probably take your credit and debit card transactions for granted. You and others like you carry millions of cards and use them billions of times annually. But unless a transaction goes awry, you rarely think about how your cards work. In fact, a great deal happens after you produce your card to pay for a purchase and before the merchant receives funds and you receive your bill. What happens during the few seconds between the time you swipe your card and the terminal flashes a result? How does that swipe translate into a line on your bill from the institution that issued the card? When making a purchase using a card online or over the telephone, why are you sometimes asked for the three- or four-digit number printed on the back of the card, the card’s expiration date, or arcane information such as your mother’s maiden name? From the merchant’s perspective, how is that same card swipe turned into cash to pay......

Words: 9225 - Pages: 37

Free Essay

Visa Mastercard

...USA V. VISA U.S.A. INC., VISA INTERNATIONAL CORP., AND MASTERCARD INTERNATIONAL INCORPORATED In 1998 USA filed a complaint against Visa and MasterCard re their dual governance and exclusionary rules of combinations and conspiracy in restraint of trade. (DOJ, 1998) Essay Plan My motivation for choosing the abovementioned case comes from my interest in the financial services market, its regulations and their implications on consumers. This case is attention-grabbing, not solely due to the remedy, but also due to the implications it has on domestic and international markets. It also gives the opportunity to analyse the controversy of vertical exclusionary restraints (Whinston, 2006). When analysing the Visa-MasterCard case, there are two main ‘economic-schools-of-thought’ to be considered. Chicago School(CS) dismisses vertical exclusionary contracts as an anti-competitive tool. While, Post-Chicago School(PCS) offers an opposing explanation by suggesting different models to rationalise anti-competitive behaviour using vertical restrictions. Both schools build their models under the assumption of first-mover advantage and the monopoly power of an incumbent firm. (Motta, 2004) Using the CS in this case, we could assume that Visa and MasterCard are the combined incumbent on the market, due to their cooperative actions. The banks are the buyers and AmericanExpress is the potential new entrant. It could be assumed that AmericanExpress is a new entrant for the market of......

Words: 751 - Pages: 4

Premium Essay

Global Payment Inc Case Study Case Study

...Payment Inc. Security Breach Case Study Lovepreet Dhaliwal DeVry University Accounting Information System Professor Douglas Letsch Douglas The case study I choose to look at was the one that happened to be just recently that occurred March of last year 2012, where a company by the name of Global Payments Inc., whom is a processor company for credit and debit card for Visa and MasterCard’s, and according to the wall street journal it was hit by a security breach. In the article it acknowledges that Brian Krebs, who runs a security site, reported that his sources in the financial said the breach might involve more than 10 million compromised card numbers. Master card said in a statement they have alerted payment card issuers regarding certain MasterCard accounts that were potentially at risk, and they have also hired an independent data security organization, which is conducting a forensic review of the situation. MasterCard had also implied that it wasn’t there own system that been damaged by the security breach but it was the third party, which is Global Payment system that had been hit by it. One of Visa’s spokeswoman stated in an email “that there is no issue or impact to Visa’s systems or our processing network VisaNet. This is an issue with a third-party”. As MasterCard and Visa sent alerts to banks, Krebs reported, the card processor was......

Words: 1188 - Pages: 5

Premium Essay

Res351 Wk3 Individual Question Responces

...Mastering Teacher Leadership Read the case study Mastering Teacher Leadership. Answer questions 1 and 2 at the end of the case study. 1. Build the management-research question hierarchy for this opportunity. Research question hierarchy 1) Management Dilemma- Due to the large number of University’s within the area raises concern if developing another Master’s program would be successful. 2) Management Question- Would creating a new Masters of Arts degree program for Wittenberg University be beneficial to the school and the surrounding communities? 3) Research Questions- What are the needs of the various school districts? How can these needs be implemented and focused into Wittenberg University Masters of Arts program? What are the desired steps to develop an effective educational program? 4) Investigative Questions- Is there a demand for another Master’s of Arts program in the area? 5) Measurement Questions- How many teachers needing to receive their master’s degree would consider this program for their continual education? 2. Evaluate the appropriateness of the exploratory stage of the research design. This particular case used a communicative research design. By using focus groups consisting of local educational professionals and a mailed survey the University was able to collect the required data. The focus group narrowed in on the elements needed to build a strong program and determined the likelihood of its success. The distribution of the survey was a cost......

Words: 1955 - Pages: 8

Premium Essay

Starbucks Duetto Visa

...UNIT IV CASE STUDY: STARBUCKS, BANK ONE, AND VISA BRUCE S. HARRINGTON COLUMBIA SOUTHERN UNIVERSITY The Starbucks Duetto project was approached in four basic stages: the exploratory stage, concept testing stage, product launch stage, and post-launch stage. Each stage used a variety of research types in order to determine the best course of action within that stage, and for the project overall. The exploratory stage consisted of exploring the basic idea of the new product, and exploring possible partners to help develop and bring the product to market. This stage began with early secondary research designed to determine if a similar product already existed in the market place. This was followed by further exploratory research with several possible business partners, and consisted of interviews of possible partners, visits to their sites, and observations of their businesses at work to assess culture-compatibility (Cooper & Schindler, 2011). Starbucks decided to work with Bank One and Visa as a result of early exploratory research. The next stage of product development was the concept testing stage, which started with focus group research designed to better understand the customers’ wants in a new product, and the customers’ ability to understand the product that was being developed (Cooper & Schindler, 2011). The focus groups were used to refine the features and uses of the card, and ultimately the value proposition that the new card had to offer to the customer......

Words: 1498 - Pages: 6

Free Essay

One Way Love

...One Way Love: Looking For Romance Or Looking For Visas? Project Summary Problem Statement It is what romance novels are made of: being whisked away by an exotic stranger from another country, keeping you safe and secure. The love of your life intrigues all of your senses, being enchanted in a mystifying land. Yet, not many people are seeking love but are seeking more tangible gains: money, financial security, and visas. It is harsh, but it is reality. Foreigners stalk and prey social networks, chat rooms, and romance sites for their loves, hoping it would lead them to money and permanent resident status in a more prosperous country. Methods and Analysis From September to November, I will collect articles and other various research materials and use the knowledge gained from these articles to interview persons and organizations in connection to scam marriages and visa-marriage arrangements. Intellectual Merit Through the in-depth study of different stories of scam marriages, we will interview persons of interests as well as review articles. The research takes an integrative approach to anthropological research. Research Questions & Objectives 1) to document the incidence of multiple multicultural marriages for residency purposes among research participants. This involves collecting life histories that focus on the ethnic background of informants and their experience with 2) collecting data on characteristics of the communities, forums, and social......

Words: 2330 - Pages: 10

Free Essay

Identification and Legal Presence Requirements for Non-United States Citizens

...identification credentials, Pennsylvania requires the following documentation from Non-U.S. Citizens applying for a PA Driver’s License, Learner’s Permit and/or Identification (ID) Card, or transferring an out-of-state driver’s license. A minimum of one year legal presence is required by Pennsylvania law. PennDOT determines the expiration date of products based on your length of stay documents (typically the I-94) along with information from the Department of Homeland Security (DHS). PennDOT verifies immigration documents electronically with DHS. This verification may not be able to be completed on the day of your visit and may require additional verification which can take up to 3 weeks to complete. Please take this time into account when planning to get a product. Age Requirements for Non-U.S. Citizens Individuals must be at least 16 years of age to apply for or, 16 1/2 years of age to transfer a Non-Commercial Driver’s License and/or Non-Commercial Learner’s Permit. Out-of-State Learner’s Permits can not be transferred to Pennsylvania. Individuals applying for or transferring a Commercial Driver’s License must be at least 18 years of age for intrastate driving or 21 years of age or older for interstate driving. Individuals must be at least 10 years of age to apply for a Photo Identification (ID) Card. Acceptable List of Documents for Proof of Residence for Applicants 18 years of age or older - Tax records - Lease agreements - Mortgage documents - W-2 Form - Current utility......

Words: 6138 - Pages: 25

Premium Essay


...permanent residence • academic level and program of study • source of financial support If any information is incorrect, contact the Office of International Students and Scholars immediately. Validate your form by signing it before you apply for your visa. Applying for a J-1 Exchange Visitor Visa Although the basic process for obtaining a visa remains the same regardless of the consulate you are using, local policies and procedures do vary. Be sure to contact your U.S. consulate (or access the consulate’s website) for specific details. To obtain a J-1 visa, you must: •          have a printed receipt indicating that you have paid the $100 SEVIS fee (Form I-901). This fee must be paid and fully processed before you arrive at the consulate for your visa interview. (Refer to: for more information and the options available for paying the fee. We recommend that you pay using the online option so you will be able to print a payment confirmation immediately after the payment is made. Keep this receipt with your other immigration documents—do not discard it following your visa interview.) •          complete various U.S. visa application forms as specified by the U.S. consulate and pay the appropriate visa fees. •          provide the original DS-2019 form you received from The University of Iowa •          have a passport valid for at least 6 months beyond the date you plan to enter the United States •          present proof of your financial......

Words: 762 - Pages: 4

Premium Essay

Initial Public Offering- Visa

...Initial Public Offering Paper: VISA Introduction An initial public offering takes place when a company issues common stock or shares to the public for the first time. There are several reasons for companies to go public, for example, small and young companies that seek capital to expand and large privately owned companies that want to become publicly traded. After a company lists its securities on a public exchange, the money collected from investors for the sale of the shares goes directly to the company. Once a company is listed, it is able to issue additional common shares via a secondary offering. Usually, these kinds of public offerings are made by companies wishing to refinance, or raise capital for growth. This ability to quickly raise large amounts of capital from the market is a key reason many companies seek to go public. Visa Inc. is a global payments technology company headquartered in San Francisco, California. It facilitates electronic funds transfers throughout the world. Visa does not issue cards, extend credit or set rates and fees for consumers; instead, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. Visa has operations across Asia-Pacific, North America, Central and South America, Caribbean, Central and Eastern Europe, Africa and Middle East. Visa’s industry is Financial Services which includes a broad range of organizations......

Words: 2262 - Pages: 10

Premium Essay

Bank developed into different forms that satisfy the same needs executed by money. Now a day one of the very important mode of payment is the credit cards as well as payment through loan. Since free and open trade is the engine of economic development, everyone is going to be a part of it. We are living in the era of profound changes in transaction process, called the age of interdependence. as well as it is a time of fulfilling the all expectation by having cards facility( Credit card and ATM card) and loan(Car loan, Personal loan and Home loan). Now a day taking loan has become a medium for buying the comfort and with this thought Dhaka Bank LTD. (DBL) is offering passive offer towards the customers compare to the other commercial bank, so that DBL can contribute over the desirability of the customer .and it has become possible through offering lower inertest rate over the asset produce and higher interest rate over the liability product. Credit card is an electronic based plastic card bearing an account number assigned to a cardholder with a credit limit that can be used to purchase goods and pay for services with a credit facility and without cash/currency note transactions. Dhaka Bank Ltd (DBL) offers the Dhaka Bank – VISA co-branded credit card and is considering the potentiality to grow in its existing credit card Business. The report has been prepared by focusing over the analyzing the performance of the Retail Banking Division. 2. BROAD OBJECTIVE The......

Words: 14210 - Pages: 57