Household Behavior Database

Experian, a leading provider of global information solutions, launched Quick Predict, an automated segmentation methodology that efficiently predicts household behavior. Quick Predict develops strong and accurate customer predictive models, using attitudinal and lifestyle data extrapolated from Experian’s BehaviorBank database, one of the largest repositories of consumer-supplied lifestyle data with coverage on more than 35 million households.

“Quick Predict extends the range and domain of behavioral and primary research information and makes it actionable. Because it’s completely automated, it’s a cost-effective solution that allows marketers to leap from intuitive selects to more precise segmented lists,” said Deborah Zuccarini, executive vice president and chief marketing officer for Experian’s marketing solutions business unit. “Quick Predict rapidly provides predictive information about current and potential customers — down to their likeliness to buy a red widget over a blue widget or to prefer fast food over gourmet, for example.”

Marketers can use Quick Predict to understand how survey information taken from a sample of their customer base is likely to be represented universally. With survey information from a small customer sample, Quick Predict can create propensities which companies can use to predict responses. Based on lifestyles, past behaviors and product interests of those in the customer sample, Quick Predict can determine the likelihood of households across the country to behave in specific ways.

“Quick Predict allows marketers to bridge the gap between their proprietary market research and large scale communication activities,” continued Zuccarini. “Quick Predict assigns each record on our INSOURCE(SM) consumer database with propensity codes, predicting the likelihood of each individual household to behave in certain ways.”

Quick Predict customer models can also help marketers determine appropriate channel contact and customer relationship management (CRM) strategies. Quick Predict can forecast responsiveness across multiple channels, including e-mail, Web site, call center and point of sale, so marketers can determine how offers or campaigns will impact customer-channel contact strategies throughout the campaign cycle.

About Experian

Experian enables organizations to find the best prospects and make fast, informed decisions to improve and personalize relationships with their customers. It does this by combining sophisticated and intelligent decision-making software and systems with some of the world’s most comprehensive databases of information on consumers, businesses, motor vehicles and property. Through multi-channel delivery of its Web-based products and services, Experian enables its clients to conduct secure and profitable e-business and develop state-of-the-art Customer Relationship Management (CRM) systems for communicating and building relationships with customers. Experian is a subsidiary of GUS plc and has headquarters in Nottingham, UK, and Orange, Calif. Our 12,000 people support clients in more than 50 countries. Annual sales are approximately $1.5 billion

For more information, visit the company’s Web site at [][1] .



Debit Projections

The Chief Debit Officer for MasterCard International and CEO of Maestro International said yesterday that debit card usage is expected to surpass credit within the next decade. However Ann Camarillo, noted that despite the 30%+ annual growth in volume and transactions, debit is still in the growth stage of its life cycle. A recently completed independent study for MasterCard showed that cash and checks still comprise approximately 66% of all payments. Research has shown consumer perceptions for debit cards have conventionally driven usage to primarily grocery and fuel station purchases but, consumers are planning to use debit cards for a range of different merchant categories, such as doctors’ office services where other forms of consumer payments have traditionally been the dominant choice.



Gemplus International S.A. reported results for the third quarter ended
September 30, 2001.

Revenue for the third quarter was 226 million Euros, which is down 27% from
same quarter a year ago, and down 10% compared to the second quarter 2001.
Telecommunications declined 37% from year ago levels and accounted for 64% of
group revenues. Network Systems grew 22% and accounted for 24% of group
revenues. Excluding the SkiData business, which was divested during the
quarter, Network Systems grew 44% over the third quarter of last year. Other
revenue, which consists of Plastic Magnetic Striped Cards, Contactless Cards
and TAG declined.

Operating loss was 55.3 million Euros, compared with an operating profit of 32
million Euros for the same quarter a year ago. Excluding the 18.1 million Euro
charge for the Humetrix lawsuit, the operating loss was 37.2 million Euros.
Net income for the third quarter was 6.6 million Euros, or 0.01 Euro per fully
diluted share. Net income includes a combined after tax capital gain of 58.4
million Euros from the divestitures of SkiData and the TAGs business as
well as
an 18.1 million Euro charge for the Humetrix lawsuit. Net loss for the
excluding these exceptional items, was 29.7 million Euros, or a 0.05 Euro loss
per diluted share.

According to the company, the third quarter results reflect three key themes:
the unfavorable impact of the continuing weak SIM market, a substantial
reduction in the level of operating expenses, and encouraging mid-to-long term
prospects strengthened by recent developments in both its Telecommunications
and Financial Services businesses.

“Early signs that the SIM card market may be stabilizing encourage us,” said
Antonio Perez, President and CEO. “This is an extremely important segment for
Gemplus. We are also pleased with the continued progress of our Financial
Services business, although we are watching the US economy very closely.
Furthermore, the recent heightened interest in Security and National ID cards
could be a major growth engine for us over the intermediate and longer term.”
He noted, however, “Business conditions in our specific markets and the added
uncertainty in the world economic environment make it too difficult to provide
meaningful guidance for the fourth quarter or for 2002.”

Stabilizing GSM SIM card business, continued progress of Financial
Services, strong performance of the Americas.

The company noted that it is seeing early indications of stabilization in the
GSM SIM market. The company also expects operator inventory levels to be in
balance with end user demand at the end of the year. While this is unlikely to
cause a dramatic increase in GSM SIM card orders this fourth quarter, this can
be viewed as a positive development for 2002.

Regional growth rates were down across all geographies with the exception of
the Americas region, where the 32% increase in revenue was fueled by progress
in the Financial Services multi-application (MAP) card business.

Despite the delay of some shipments into the fourth quarter, as we anticipated
in our September 27 announcement, the Financial Services multi-application
(MAP) business still grew 44%. Although the weakening US economy could further
impact growth rates, Gemplus continues to believe that it is gaining market
share in the very important U.S. market.

Substantial improvement in operating expenses and asset

The actions taken this year to improve financial competitiveness and enhance
strategic corporate focus enabled the company to reduce operating expenses by
15% from the second quarter. This is the lowest level of expenses since Q3 of
last year. Perez stressed, “In addition to the divestiture of the SkiData and
TAG businesses, earlier this year, the continuing implementation of the
restructuring program is well on its way to achieving our 40 million Euros in
annual cost savings objective.”

Furthermore, inventory levels declined 21% during the quarter, as shipments
exceeded receipt of material and as a result of the SkiData divestiture.
Accounts Receivable Days Sales Outstanding (DSO) also declined. The company
finished the third quarter with a 503 million Euro cash balance. Perez noted,
“A full-fledged competitive advantage in itself, our strong cash position
provides enormous flexibility during challenging market environments such as

Encouraging mid-to-long term prospects strengthened by recent
developments in both the Telecommunications and Financial

Perez cited plans by two major US mobile operators to offer GSM and GPRS
service in the U.S. “These developments combined with recent indications that
GPRS service will be available in several regions of the world by mid-2002
signal a potential return to much healthier SIM card sales growth rates next
year. Furthermore, our MAP business continues to grow, particularly in the

In closing, Perez stated, “With this as a backdrop, we have been able to
our level of operating expenses, improve our asset performance and enhance our
strategic focus. These combined actions should help us speed our return to
profitability as the market improves.”

GEMPLUS: the world’s number one provider of solutions empowered by Smart Cards
(Gartner Dataquest 2001).
Gemplus helps its clients offer an exceptional range of portable, personalized
solutions that bring security and convenience to people’s lives. These include
mobile Internet access, inter-operable banking facilities, e-commerce and a
wealth of other applications.

Gemplus is the only completely dedicated, truly global player in the Smart
industry, with the largest R&D team, unrivalled experience, and an outstanding
track record of technological innovation.

Gemplus trades its shares on Euronext Paris S.A. First Market and on the
Stock Market(R) as GEMP in the form of ADSs. Its revenue in 2000 was 1.205
billion Euros. It employs 7800 people in 37 countries throughout the world.

Gemplus: Your Passport to the Digital Age


TRM 3Q/01

OR-based TRM Corporation reported third quarter revenue of $19.8 million up 3% from the third quarter of 2000. The net income loss for 3Q/01 was $1,090,000 compared to $1,067,00 for 3Q/00. The TRM e-commerce unit generated a pre-tax loss of $0.8 million for the quarter. As of Sept. 30th, the company has installed 1,939 ATMs in the U.S. and the U.K. and 31,566 CopyCenters in North America and Europe. TRM has completed an agreement to restructure its French operations by selling all of the assets of its French subsidiary to a new company formed by the local management. For complete details on TRM’s 3Q/01 results visit CardData ([][1]).



Clear Blue Discover

Riding the wave of translucent credit cards, Discover launched this month a clear, blue ‘Platinum’ card. The card, promoted as “Very Now” and “Very Cool”, is clearly playing off of the American Express smart ‘Blue Card’ and the Providian’s clear ‘smart VISA’ cards. Discover has yet to launch a smart card, but this year has adopted the motto: “For the Slightly Smarter Consumer”, according to CardWatch ([][1]). Like other current offers, the Discover clear blue ‘Platinum’ card is offering a 0% APR for new purchases and balance transfers. The 0% rate is applicable until next June. Capital One is currently offering a 0% APR through July, while Citibank has also extended its 0% interest rate on balance transfers through next July. According to CardWatch, the most aggressive offer in the marketplace from a major issuer comes from Chase, which is offering a 12-month 0% APR on balance transfers.



InteliData 4.0

InteliData Technologies Corporation announced the launch of its 4th generation online credit card management solution.

InteliData Card Solutions Version 4.0 builds powerful new features onto its already robust solution.

With InteliData’s Card Solutions 4.0, card issuers can take full advantage of new features, which substantially enhance their cardholder’s experience while reducing customer service costs and increasing revenue. Cardholders manage their accounts online avoiding time-consuming phone calls to customer service representatives.

The cardholder is empowered to perform a wide variety of account activities 24×7, across multiple channels. By substantially improving the service and delivering value, Card Solutions continues to create card issuer benefits; increased brand loyalty and an overall reduction in transaction costs. Cardholders have easy access to current and past statement activity (including balances), can easily sort transactions, pay bills online, establish cardholder defined account e-alerts, transfer a balance, request a credit line increase or cash advance, among others.

“The new InteliData Card Solutions 4.0 accentuates products and services that are already the most flexible and customizable in the marketplace,” said Charles A. White, Vice-Chairman of InteliData. “We continually expand our offerings to allow card issuers to give their customers easy to use customer services while saving the card issuers operational costs.”

About InteliData

With a client list that includes 21 of the top 50 banks, InteliData offers Spectrum certified EBPP products to banks, credit unions and financial institution processors. InteliData’s products offer a complete end-to-end solution for distributing e-bills and e-payments through multiple delivery channels, delivering e-bills to consumers, and enabling payment of bills through multiple payment processors. InteliData’s Internet banking and card products provide large financial institutions with unsurpassed scalability, flexibility and security in supplying real-time, Internet based banking and card services to their customers. Headquartered in Reston, Virginia, USA, InteliData is publicly traded (NASDAQ:INTD) and its business partners include Spectrum EBP, ALLTEL, FDR and other industry leaders. For more information, visit the company’s web site at [][1].



Active P-Card Control

Starting in mid-December, the PNC Bank ‘VISA Purchasing Card’ will give companies the ability to require online approval of card purchases before they are made. PNC has become the first company to offer the Works ‘Procisa Active Card Control’ enhancement to its P-card program. The new feature also will help PNC Bank clients automate and streamline back-office processes related to reconciling purchasing card transactions. These processes will include invoice reconciliation, itemization of card purchases into appropriate general ledger codes and the ability to export card spending data into back-office financial applications. The solution was developed by Austin, TX-based Works Operating Company.



IndusInd Bank and cellular service provider, Fascel Ltd, have renewed an
agreement to provide mobile banking. Customers using Fascel’s ‘CelForce’ phone
service in the western Gujarat state will continue to be able to access
bank services using SMS. More than 250,000 customers can make contact from
than 124 towns in the Gujarat area.


September Card Debt

Americans tacked a mere $1.4 billion onto revolving credit during September compared to $4.2 billion last September. Since the first of this year, total revolving credit, mostly credit card debt, has grown by $31.2 billion compared to $44.3 billion for the same period last year. However, more than 90% of the growth this year occurred between January and May. Since June revolving credit has grown only $1.2 billion, according to preliminary figures released Wednesday afternoon by the Federal Reserve. This confirms that consumers hit the brakes with credit card debt in June. The rapid rise in home equity loans may also be a factor as consumers migrate higher priced credit card debt to second mortgages which are hovering at interest rates around 7%. The effect of the September 11th events undoubtedly played a role in the soft September figures as credit card volume collapsed by 20% in the week following the terrorist attacks. According to the Federal Reserve, revolving debt stood at $701.5 billion during September. At the end of September, American consumers were $1.597 trillion in debt, exclusive of home mortgages.


Sep01 Aug01 Jul01 Jun01 May01 Apr01 Mar01
%GRWTH: 2.5% 3.3 -3.7 2.1 4.5 14.2 11.9
$OWED: $701.5 700.1 698.1 700.3 699.0 697.6 688.2

Feb01 Jan01 Dec00 Nov00 Oct00 Sep00 Aug00
%GRWTH: 20.8% 11.6 5.0 10.9 4.7 7.8 12.6
$OWED: $681.4 670.3 663.4 660.6 654.8 649.3 645.1

Source: Federal Reserve; revised figures as of 11/07/01;
For complete historical data visit


Gift Certificates Preferred

A recent national survey commissioned by found more than 70 percent of adults like receiving gift certificates.

In addition, more than 72 percent of adults reported they would prefer to receive gift certificates from employers or business associates instead of having a holiday gift selected for them.

Given their popularity, it’s no surprise shoppers can now purchase gift certificates and gift cards everywhere, for everything — from gas stations to fine retailers. In fact, according to the survey, 61 percent of adults are likely to purchase gift certificates as holiday gifts this year. “Everyone appreciates a gift certificate,” said Michael Ahern, chief executive officer of “A gift certificate allows the recipient to select something they really want or need. Gift givers also benefit because they can get their holiday shopping done quickly and know they are purchasing a gift that will be used and appreciated.”

Many companies have taken the convenience of gift certificates and gift cards one step further by creating universal gift certificates. offers customers the SuperCertificate(TM), which is a gift certificate to that can be redeemed online or by phone for original gift certificates from hundreds of popular retailers and service providers, including, Barnes & Noble, Olive Garden, J.Crew, Restoration Hardware, and many more.

The Internet also provides a refuge for shoppers tired of fighting crowds in malls and at the post office. Holiday shopping can be done online in a matter of minutes without leaving the home or office. SuperCertificates and gift certificates can be delivered with a personal message by standard or express mail. For last-minute shoppers, SuperCertificates and select merchant gift certificates can also be emailed.

People trying to find gifts for relatives they rarely see, or shop for bosses and co-workers, may consider joining the millions of others who turn to gift certificates as a solution. For more information, visit [][1].

About is the leading provider of gift certificates and related services for corporate clients and consumers. The company’s best-selling product, the SuperCertificate(TM), is a gift certificate that can be redeemed at for original gift certificates to hundreds of participating merchants. For more information, visit [][2]. and SuperCertificate are trademarks of, Inc.