Word: cards
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TIME: Courts recently ruled that your member banks can work with other card associations, like American Express and Discover. How is that going to impact your business...
PASCARELLA: There's $19 trillion spent by consumers and businesses on cash and checks. That's ripe for the picking by Visa or any other card. Our banks are going to test some things with American Express and Discover, but if we have the right value proposition, we're going...
TIME: The big push toward co-branded cards, like the NASCAR card or the Starbucks card--is that a sign that old-fashioned customer loyalty is crucial to your business...
...Competition is clearly an issue. There are more banks with a national footprint, so the cost of getting a customer has gone up. Whereas before you only had to mail out two solicitations, now you may have to mail out 10. The more you can tie people to a card [with things like rewards], the more they're going to stay with...
TIME: Am I going to be able to use my cell phone as a credit card in a store anytime soon, as they do in parts of Asia...