Word: consumerized
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The proliferation of gift cards has already sparked an outcry from consumer groups concerned about their lack of regulation. In the mid-1990s a few big specialty retailers and major department stores began issuing cards with magnetic strips and a preset or unlimited value as cheaper, more secure alternatives to...
Now that the market is robust, the government is considering requiring issuers of payroll cards and certain other prepaid cards to insure the underlying accounts, and the Federal Reserve is proposing that they also reimburse holders of payroll cards for unauthorized uses under the same terms as those for bank...
Unwilling to rely on the goodwill of issuers, consumer advocates have begun pushing for bans on expiration dates and user fees for all the products, plus replacement if the cards are lost or stolen as well as clear avenues to get cash for unspent funds. "Until Congress acts, there's...
Blame it on Japan's ever reluctant consumer. Household spending has long been the missing piece in Japan's recovery puzzle: every time sustainable domestic demand seems to be around the corner, wallets snap shut again. Part of the problem this time is that companies have been loath to share...
Yet the move overseas is less of an invasion than an escape. China's strongest companies produce relatively low-tech consumer products like TVs, cell phones and computers?businesses in which the mainland market is now so competitive that it's increasingly tough to turn a healthy profit. Since China...