Thursday, December 2, 2010

Good News for Internet PIN Debit...More Than 8 Million Consumers Stop Using General Purpose Credit Cards

Credit and personal financesTransUnion: Credit Card Delinquencies Continue to Fall to 1999 Levels as More Than 8 Million Consumers Stop Using General Purpose Credit Cards
CHICAGO, IL--(Marketwire -) - TransUnion's quarterly analysis of trends in the credit card industry revealed that the national credit card delinquency rate (the ratio of bankcard borrowers 90 days or more delinquent on one or more of their credit cards) decreased to 0.83 percent in the third quarter of 2010, down almost 9.8 percent over the previous quarter. Year over year, credit card delinquencies fell by 24.6 percent.

TransUnion's analysis estimates that more than eight million consumers stopped actively using bank-issued, general purpose credit cards over the past year.

This deleveraging is believed to be due in part to charge-offs in the higher risk segments of the population, more conservative spending in the low-risk segments, and significant efforts by consumers across the board to maintain the health of their credit card relationships as a financial cushion. Based upon income levels estimated by TransUnion's income estimation model, consumers with higher incomes were just as likely as consumers with lower incomes to suspend their use of this payment option.

Millions of consumers stop using credit cards. 
Millions of consumers stop using credit cards. 
"The vast majority of the consumers who do not possess or have stopped using credit cards continue to have and use other forms of revolving and installment credit, and of course still need to pay for necessities," said Ezra Becker, vice president of research and consulting in TransUnion's financial services business unit. "In 2009, well over 70 million consumers did not have an active, general-purpose bank issued credit card. During the course of one year, more than 8 million additional consumers joined these ranks, making it one of the fastest growing consumer segments. Consumers who do not have or use bank-issued, general purpose credit cards still have a need for other payment vehicles, a fact which is beginning to attract significant attention from credit and debit providers alike."
Q3 2010 Credit Card Statistics
  • Incidence of credit card delinquency was highest in Nevada (1.28 percent), followed by Florida (1.09 percent) and Mississippi (1.06 percent). The lowest credit card delinquency rates were found in North Dakota (0.48 percent), South Dakota (0.53 percent) and Nebraska (0.56 percent).
  • Only two areas showed an increase in credit card delinquency -- the District of Columbia (19.67 percent increase) and Mississippi (1.92 percent increase). The two areas of the country with the largest quarter-over-quarter drop in delinquency were Alaska (-19.2 percent) and Nebraska (-17.6 percent).
  • National average credit card borrower debt (defined as the aggregate balance on all bank-issued credit cards for an individual bankcard borrower) edged upward for the first time in six quarters by 0.28 percent to $4,964 from the previous quarter's $4,951, but down 11.54 percent compared to the third quarter of 2009 ($5,612).
  • The highest state average credit card debt remained in Alaska at $7,159, followed by Hawaii at $5,716 and North Carolina at $5,640.
  • The lowest average credit card debt was found in Iowa ($3,807), followed by North Dakota ($4,103) and South Dakota ($4,196).
  • All but 15 states showed an increase in average credit card debt from the prior quarter. The largest increases in average credit card debt over the previous quarter occurred in West Virginia (2.81 percent), Wyoming (2.2 percent) and Hawaii (2.19 percent).
  • On a year-over-year basis, national credit card originations increased for the first time since the recession began in late 2007. Only nine states showed decreases in originations since the third quarter of 2009. The states with the greatest year-over-year increases were Delaware (21.3 percent), Oklahoma (16 percent), and Pennsylvania (15.8 percent).
  • The areas with the steepest declines in year-over-year credit card originations were the District of Columbia (-10.3 percent), Minnesota (-9.6 percent), and Michigan (-4.2 percent).
  • As credit card delinquency trends differ between the national and state economies, metropolitan areas can also show different credit dynamics relative to the state level. Approximately 77 percent of metropolitan statistical areas (MSAs) showed a decrease in their 90-day credit card delinquency rates since last quarter, which is generally consistent with national trends.
  • The area with the largest drop in delinquency since the last quarter was the Dubuque, Iowa Metropolitan Statistical Area (-48.4 percent). The area with the largest increase in delinquency since last quarter was the Lewiston, ID-WA Metropolitan Statistical Area (92.7 percent).
U.S. Analysis and Supporting Quotes"The third quarter marks the first time since the recession officially ended in the summer of 2009 that average consumer credit card balances have not declined, although aggregate balances have dropped. The reason for this apparent contradiction is that the net number of active credit card accounts is continuing to drop, and it is falling faster than the dollar deleveraging rate.
"In the subprime segment, consumers are also losing access to card credits through charge-off and increased conservatism in underwriting standards. Although the Federal Reserve's Senior Loan Officer Opinion Survey on Bank Lending Practices recently reported that a small fraction of respondents are easing standards for approving credit card applications, that loosening of standards has not yet become wide spread. Across the risk spectrum, it appears that consumers are still working to maintain available credit as a financial cushion.
"On the delinquency side, the news remains good as consumers continue to show fiscal responsibility in paying down their credit card obligations. As we have seen since the beginning of the recession, incident delinquency rates in the credit card space remain well within expected annual variance and seasonal norms. Moreover, the drop in the savings rate quarter over quarter*, coupled with the drop in the number of active cardholders, might lead one to infer that consumers are shifting their focus away from a pure savings mindset to one that may include increased non-credit spending, such as through debit or checking transactions."
Ezra Becker, vice president of research and consulting in TransUnion's financial services business unit.
  • At the state level, Nevada is again expected to experience the highest delinquency rate by the end of 2010 (1.1 percent) while North Dakota is anticipated to show the lowest delinquency rate (0.38 percent).

  • "Since the beginning of the recession, TransUnion's national and state forecasting models have tracked how credit card delinquency rates are impacted by economic factors such as median household income, consumer confidence and the U.S. savings rate. Based on our current economic assumptions, TransUnion believes that the 90-day credit card delinquency rate could continue to decrease through the remainder of 2010, perhaps reaching as low as 0.75 percent by the end of the year."
Ezra Becker, vice president of research and consulting in TransUnion's financial services business unit.
TransUnion's Trend Data databaseThe report is part of an ongoing series of quarterly consumer lending sector analyses focusing on credit card, auto loan and mortgage data available on TransUnion's Web site. Information for this analysis is culled from TransUnion's Trend Data and the anonymous credit files of approximately 10 percent of credit-active U.S. consumers, providing a real-life perspective on how they are managing their credit health.
TransUnion's Trend Data, a one-of-a-kind database consisting of 27 million anonymous consumer records randomly sampled every quarter from TransUnion's national consumer credit database. Each record contains more than 200 credit variables that illustrate consumer credit usage and performance. Since 1992, TransUnion has been aggregating this information at the county, Metropolitan Statistical Area (MSA), state and national levels. For the purpose of this analysis, the term "credit card" refers to those issued by banks.
*For 3Q10, The Commerce Department reported that consumers have been saving less this quarter than the quarter before relative to their disposable income. The national savings rate as a percentage of disposable personal income was recently reported to be about 5.5 percent -- down from about 6.0 percent the prior quarter.
About TransUnion As a global leader in credit and information management, TransUnion creates advantages for millions of people around the world by gathering, analyzing and delivering information. For businesses, TransUnion helps improve efficiency, manage risk, reduce costs and increase revenue by delivering comprehensive data and advanced analytics and decisioning. For consumers, TransUnion provides the tools, resources and education to help manage their credit health and achieve their financial goals. Through these and other efforts, TransUnion is working to build stronger economies worldwide. Founded in 1968 and headquartered in Chicago, TransUnion employs associates in more than 25 countries on five
Graphics and/or photographs to accompany this release can be obtained by members of the media by contacting Cliff O'Neal at 312-985-2540 or or Dave Blumberg at 312-985-3059 or
Cliff O'Neal
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Telephone 312-985-2540

Discover Financial Services Announces Fourth Quarter 2010 Earnings Release and Conference Call

RIVERWOODS, Ill.--(BUSINESS WIRE)--Discover Financial Services (NYSE: DFS) plans to report its fourth quarter 2010 results before the market opens on Thursday, Dec. 16, 2010. The earnings release will be available on Discover's corporate website at

A conference call to discuss the firm's results, outlook and related matters will be held at 11 a.m. Eastern time. The general public is invited to listen to the call by dialing 800-446-1671 (U.S. domestic) or 847-413-3362 (international), passcode 28531509, or via a live audio webcast through the Investor Relations section of the website. For those unable to listen to the live broadcast, a replay will be available on our website or by dialing 888-843-7419 (U.S. domestic) or 630- 652-3042 (international), passcode 28531509#, beginning approximately two hours after the event. The replay of the conference call will be available through Jan. 16, 2011.
About Discover
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Discover Financial Services (NYSE: DFS) is a direct banking and payment services company with one of the most recognized brands in U.S. financial services. Since its inception in 1986, the company has become one of the largest card issuers in the United States. The company operates the Discover card, America's cash rewards pioneer, and offers personal and student loans, online savings accounts, certificates of deposit and money market accounts through its Discover Bank subsidiary. Its payment businesses consist of Discover Network, with millions of merchant and cash access locations; PULSE, one of the nation's leading ATM/debit networks; and Diners Club International, a global payments network with acceptance in more than 185 countries and territories. For more information, visit


Discover Financial Services
Investor Contact:
Craig Streem
Investor Relations
Media Contact:
Leslie Sutton
Public Relations
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SpendingPulse November 2010 Retail Report: November’s Solid Gains Provide Firm Start to the 2010 Holiday Season

Most Sectors Post Year-Over-Year Growth, with Apparel and eCommerce Leading the Way

PURCHASE, N.Y.--(BUSINESS WIRE)--MasterCard Advisors:
“Industry sales generally did well in November, building on the positive momentum first observed in September that carried through the early fall. The November retail sales gains indicate a solid start to the 2010 Holiday season for most categories, with some recording significant year-over-year gains.”
Data Source:
A macroeconomic indicator, SpendingPulse reports on national retail and services sales and is based on aggregate sales activity in the MasterCard payments network, coupled with survey-based estimates for certain other payment forms, such as cash and check. MasterCard SpendingPulse does not represent MasterCard financial performance. SpendingPulse is provided by MasterCard Advisors, the professional services arm of MasterCard Worldwide.
MasterCard Advisors SpendingPulse, a macroeconomic report tracking national retail and services sales, today provided summary results for performance of specific U.S. retail industries in November, 2010. From a sector-by-sector point of view, sales in most categories continued to gain momentum over an already strong October showing.
Michael McNamara, Vice President, Research and Analysis for MasterCard Advisors SpendingPulse, observes, “Industry sales generally did well in November, building on the positive momentum first observed in September that carried through the early fall. The November retail sales gains indicate a solid start to the 2010 Holiday season for most categories, with some recording significant year-over-year gains.”
McNamara continued, “Regarding Black Friday, it is important to keep in mind that this 24-hour period generally represents 5-6% of total retail sales, ex-auto, for the month of November, although there is significant variation by category. Sales tactics that have been developed over the past several years have been increasingly effective at driving sales to make it an almost $19 billion day, ex-auto. But it is becoming harder to post significant year-over-year growth rates for total sales on that specific day. This year, a number of factors such as earlier online and brick-and-mortar promotions may have further diluted the importance of the day itself, distributing sales over a longer period of time.”
Year-over-year Total Apparel sales in November saw another sharp monthly increase. At 9.6% this was the largest year-over-year growth in 2010 for that sector following the previous record in October. Total apparel has enjoyed 8 out of 11 months of year-over-year gains so far in 2010. In November, all of the sub-sectors posted year-over-year growth.
For the second consecutive month, the Consumer Electronics and Appliances segment posted a year-over-year decline, although at -1.1%, it was not as severe as October’s decline. The Consumer Electronics sub-category was down by 1% while the Appliance sub-sector fell by 1.6% year-over-year.
eCommerce was back in double-digit year-over-year growth in November as consumers took advantage of free shipping offers and online-only specials. The category posted a year-over-year increase of 12.0%, the first double-digit growth rate since July, and the largest increase since May. The Apparel sub-category did very well at 22.2%, increasing by double digits for the 12thconsecutive month, led mainly by Children’s Apparel at +33.3%, and Footwear at 32.7%. This was the first time since March that growth was over 20% and it was the largest growth rate for the year. Online sales of electronics were up 6.0%, back to the solid growth in September, with growth particularly strong during the Thanksgiving week.
The SpendingPulse Luxury ex-Jewelry Index, which encompasses sales at high-end restaurants, food stores, department stores and general apparel categories, posted positive results in November, although not as robust as October, growing 1.6% year-over-year. While mixed results in the financial markets put pressure on the sector, relatively easy comparisons with last year’s performance helped keep the growth rate positive.
About MasterCard Advisors
MasterCard Advisors provides payments consulting, information, analytics, and customized services to financial institutions and their merchant partners worldwide. Addressing complex challenges in strategy, marketing, risk, and operations, MasterCard Advisors helps clients maximize the value of their payments businesses. As the professional services arm of MasterCard Worldwide, MasterCard Advisors is uniquely qualified to provide clients with insights and solutions that drive tangible impact and financial gain. For more information, go to
About MasterCard Worldwide
As a leading global payments company, MasterCard Worldwide prides itself on being at the heart of commerce, helping to make life easier and more efficient for everyone, everywhere. MasterCard serves as a franchisor, processor and advisor to the payments industry, and makes commerce happen by providing a critical economic link among financial institutions, governments, businesses, merchants, and cardholders worldwide. In 2009, $2.5 trillion in gross dollar volume was generated on its products by consumers around the world. Powered by the MasterCard Worldwide Network – the fastest payment processing network in the world – MasterCard processes over 22 billion transactions each year, has the capacity to handle 140 million transactions per hour, with an average network response time of 140 milliseconds and with 99.99 percent reliability. MasterCard advances global commerce through its family of brands, including MasterCard®, Maestro®, and Cirrus®; its suite of core products such as credit, debit, and prepaid; and its innovative platforms and functionalities, such as MasterCard PayPass™ and MasterCard inControl™. MasterCard serves consumers, governments, and businesses in more than 210 countries and territories. For more information, please visit us at Follow us on Twitter: @mastercardnews.


Meir Kahtan Public Relations, LLC
Meir Kahtan, +1-212-575-8188
MasterCard Worldwide
Naya Larsson, +1-914-249-3916
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FIS Enables Mobile Financial Services for U.S. Bank Prepaid Cardholders

Ties mobile banking and payments services to prepaid cards

JACKSONVILLE, Fla.--(BUSINESS WIRE)--FIS™ (NYSE:FIS), one of the world’s largest providers of banking and payments technology, today announced that U.S. Bank is using FIS’ mobile platform to launch mobile financial services for the U.S. Bank AccelaPay® Visa prepaid card program. Through this innovative combination, AccelaPay cardholders can use their mobile phones, including BlackBerrys and iPhones, to check their account balance, pay bills, receive account alerts and view mini-statements.
“By enabling this customer segment to conduct financial services via their mobile phones, the financial institution will benefit from strengthened relationships and ultimately a stronger revenue stream.”

The AccelaPay card is a prepaid card that functions as a traditional bank account allowing users to make deposits and pay bills. Research has shown that consumers are more likely to have a mobile phone than a PC. Adding mobile access to their primary financial vehicle will help to create a tighter bond between U.S. Bank and this customer segment.
"We are pleased to introduce AccelaPay for mobile banking, the first full-suite mobile banking solution with bill pay capabilities in the prepaid marketplace," said Dominic Venturo, chief innovation officer for Retail Payment Solutions, U.S. Bank. "As an early adopter of mobile banking in the payments space, U.S. Bank is committed to investing in new technologies to better serve our customers."
"Early on, FIS recognized the need to offer a comprehensive suite of mobile banking and payment options for the growing prepaid card market," said Frank D’Angelo, executive vice president, FIS Payment Solutions. "By enabling this customer segment to conduct financial services via their mobile phones, the financial institution will benefit from strengthened relationships and ultimately a stronger revenue stream."
The U.S. Bank AccelaPay Visa is a prepaid, reloadable card designed to replace costly paper checks for businesses with recurring cash disbursement activities, such as payroll, commissions, travel advances and insurance claim distributions. Cardholders can use the AccelaPay Visa® card everywhere Visa debit cards are accepted worldwide. Visit details.
U.S. Bancorp, with $291 billion in assets as of Sept. 30, 2010, is the parent company of U.S. Bank, the fifth-largest commercial bank in the United States. The company operates 3,013 banking offices in 24 states and 5,323 ATMs and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions. Visit U.S. Bancorp on the web at
FIS (NYSE: FIS) is one of the world’s largest global providers dedicated to banking and payments technologies. With a long history deeply rooted in the financial services sector, FIS serves more than 14,000 institutions in over 100 countries. Headquartered in Jacksonville, Fla., FIS employs more than 30,000 people worldwide and holds leadership positions in payment processing and banking solutions, providing software, services and outsourcing of the technology that drives financial institutions. FIS is a member of Standard & Poor’s 500® Index and consistently holds a leading ranking in the annual FinTech 100 list. For more information about FIS, visit
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Online British Adults Set to Spend GBP $7.4 Billion on the Web This Christmas

 Britain Set for Bumper Online Shopping Year -- but Online Businesses Could Lose out Unless They Address Consumer Security Fears
LONDON--(Marketwire - November 29, 2010) -   An online independent YouGov survey, commissioned by Norton by Symantec (NASDAQSYMC), has found that British Internet users are planning to spend £7.4 billion online this Christmas*. Nearly one in five (18 percent) British web users expect to buy more presents, decorations and food online than they did last year, and nearly half (48 percent) anticipate spending a similar amount -- with those who shop online this Christmas planning to spend an average of £234.16. However, consumers expressed security concerns about internet shopping -- meaning that e-retailers could lose business if they do not increase customer confidence and trust about shopping online.
The online Christmas shopping survey found that almost a third of respondents (29 percent) who plan to shop online this festive season are planning to spend between £101 and £250. 25 to 34 year olds are the most active Christmas internet shoppers with 85 percent planning to shop online, spending £209.80 on average, and 26 percent expecting to buy more online than they did in 2009. However, nearly one in five (17 percent) of all online consumers stated that security concerns are mostly holding them back above all other things from shopping on the web this Christmas; citing fear of online identity theft and fraud (eight percent), not trusting the site they are buying from (four percent), fear of falling victim to cybercrime (three percent) and unwittingly downloading malware or a virus (one percent). Online retailers must look to enhance website security and create a trusted online environment so that any potential customer feels confident enough to give them their hard-earned cash this Christmas.
The Christmas online shopping survey uncovered other current trends and habits among British web users, including:
  • Men expect to spend more money online this Christmas than women, spending an average of £208.49 compared to £179.67
  • Those aged 35 to 44 will be the biggest online Christmas spenders, with plans to part with an average of £286.95
  • Those in the East appear to be the most frugal, with respondents planning to spend an average of just £201.82 online
  • Conversely, Scots are set to be the most generous spenders, with Scottish respondents planning to spend an average of £227.68
  • The Scots are also the most keen online shoppers, with 80 percent stating that they will shop on the web this holiday season, and with 23 percent believing they will shop online more than they did last year -- more than any other region
  • Respondents from Northern Ireland are the most concerned about security threats when it comes to shopping online this Christmas, with over a quarter (29 percent) deterred from shopping online this holiday the most due to security concerns (fear of online identity theft and fraud -- 14 percent; fear of falling victim to cybercrime -- nine percent; not trusting the site I'm buying from -- five percent; unwittingly downloading malware or a virus -- two percent)
Regional breakdown:
RegionAverage planned Christmas shopping spend by UK online adultsPercentage of consumers that are held back from shopping online by security concerns
North of England£195.5019%
Wales£ 173.0916%
Midlands£ 194.8715%
South of England£ 188.3217%
Northern Ireland£ 189.6229%
East of England£ 174.5710%
Quote and tips for consumers:Michael Cunningham, security expert at Symantec, stated: "British web users are ready to spend a huge amount of money this festive season and are rightly being cautious about shopping online. We've provided some simple steps that consumers should follow to protect themselves online. Fraudsters will be out in full force with so much to gain but by being aware and only shopping on trusted websites, consumers should still be able to benefit from the efficiency and cost benefits of shopping online."
Norton suggests the following tips for consumers to protect themselves when shopping online this Christmas:
  • Credit not debit. A debit card is a direct line into your bank accounts.
  • Use strong passwords. Passwords should have at least eight characters and should combine alphanumeric ad special characters. Where possible, use two-factor or strong authentication which works by requiring a user to provide not just a username and password but also a unique, one-time six-digit security code.
  • Look for visual cues that identify safe websites. Scan the web page for a trust mark, such as the VeriSign Trust Seal. These marks demonstrate that trusted authorities have taken comprehensive measures to certify the website. Many browsers will also turn their address bars to the colour green to signify the site is authentic.
  • Avoid divulging personal information. Don't give out unnecessary personal data like usernames and password via email.
  • Protect your computer. Keep your system clean and in good shape with an updated security software suite like Norton Internet Security.
Quote and tips for businesses:Michael Cunningham, security expert at Symantec, stated: "Online businesses should follow simple steps to create a trusted online environment. Security should be highly visible to shoppers to improve confidence online. Websites should display trust symbols and ensure users personal details are protected through Extended Validation SSL -- which turns the address bar of authenticated sites green in high-security browsers. In addition, contact details and security policies should be prominent. A visibly secure website is proven to increase sales and reduce cart abandonment."
Norton suggests the following tips for online businesses looking to generate trust and encourage more shoppers to buy online this festive season:
  • Scan your site for malware: it's essential to protect your web site from viruses and other malware. If you don't protect against malware, you risk being blacklisted by search engines such as Google
  • Encrypt your customers' personal details: use an SSL Certificate, ideally Extended Validation SSL, so that it's visible to your customers that their details are being protected 
  • Use a trust mark: display popular trust symbols -- research shows that consumer confidence is higher on sites that display trusted symbols such as the VeriSign Trust Seal
  • Protect users' accounts: don't expect your customers to rely on a username and password combination; these can be easily hacked, so add a second layer of authentication such as VeriSign Identity Protection
  • Increase consumer confidence online: Make it obvious that your website is secure and that you are doing everything possible to protect your customers' personal details and identity. Publish your security certificates and give transparency to visitors by displaying visible contact details.
The independent research was carried out in four countries across Europe: UK, Germany, France and Sweden. According to the results, 18 percent of online adults in Germany and the UK will Christmas shop more online this year compared to 2009, followed by Sweden (13 percent), then France (12 percent). The total amount expected to be spent across all these markets is £22.2 billion**, with the UK seeing the biggest average spend per respondent, at £234.16 (approximately EUR 274.96). French respondents were the most security-conscious, with almost a quarter (24 percent) stating that fears over security could deter them from shopping online this Christmas (fear of online identity theft and fraud -- 15 percent; not trusting the site they're buying from -- four percent; fear of falling victim to cybercrime -- three percent; unwittingly downloading malware or a virus -- two percent).
About the survey:All figures, unless otherwise stated, are from YouGov Plc. Total sample size was 2168 adults in the UK, 1,020 in Germany, 1000 in France and 1020 in Sweden. Fieldwork was undertaken between 2nd - 9th November 2010. The survey was carried out online. The figures have been weighted are representative of adults in each individual country (aged 18+).
*Estimated based on the latest data from the Office of National Statistics which indicates that there are 38.3 million internet users in the UK ( The average online respondents will spend £193.65 Christmas shopping online this year, this equates to £7.4 billion.
**Estimated based on the below figures:
Number of online adults38,300,00037,490,00052,042,0006,083,933
Average amount expected to be spent in local currency£193.65€ 158.00€ 203.041404.3 kr
Average amount expected to be spent (£)193.65134.12172.358127.075
Total online spend (£)7,416,795,0005,028,158,8008,969,855,036773,115,786
Grand total (£)22,187,924,622   
Grand total (€)26,120,941,975   
Grand total (kr)244,962,440,753   
Conversion rates:    
France/Germany: £1 = €1.17801    
Sweden: £1 = 11.0514 kr    
  • French statistic sourced from Médiamétrie (a company specializing in media audience and online measurement)
  • German statistic sourced from Statistisches Bundesamt (Federal Statistics Office)
  • Swedish statistic sourced from Statistiska Central Byrån (Central Statistics Office)
About Symantec Symantec is a global leader in providing security, storage and systems management solutions to help consumers and organizations secure and manage their information-driven world. Our software and services protect against more risks at more points, more completely and efficiently, enabling confidence wherever information is used or stored. More information is available
Copyright © 2010 Symantec Corporation. All rights reserved. Symantec, the Symantec Logo, and the Checkmark Logo are trademarks or registered trademarks of Symantec Corporation or its affiliates in the U.S. and other countries. VeriSign, VeriSign Trust and other related marks are the trademarks or registered trademarks of VeriSign, Inc. or its affiliates or subsidiaries in the U.S. and other countries and licensed to Symantec Corporation. Other names may be trademarks of their respective owners.
CONTACT:Victoria Henry
Norton by Symantec
+44 207 092 3423

Rebecca Lansdell
Weber Shandwick
+44 (0)20 7067 0539

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