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Theodore Iacobuzio

Theodore Iacobuzio

Theodore Iacobuzio
Vice President, Global Insights

Theodore Iacobuzio is vice president in charge of Global Insights, MasterCard’s interdisciplinary thought leadership organization. He and his team use research and analysis to better understand consumer behavior and market dynamics—and how those insights can strengthen the business performance of MasterCard customers around the world. Under his direction, MasterCard has published groundbreaking work on payments profitability, the myth of debit “cannibalization,” global debit point-of-sale migration, remittances in Asia/Pacific and the Middle East, and affluent segmentation in Brazil.

Prior to joining MasterCard in 2009, Mr. Iacobuzio led the Payments Practice at TowerGroup. Based in Purchase, N.Y., he can be reached at ted_iacobuzio@mastercard.com.

Recent Posts

Card Offers: Getting Creative with the Underserved

The Wall Street Journal ran an interesting story [subscription required] recently about a spike in U.S. “subprime” credit card issuance. And one of the interesting things about it is the nomenclature. According to the story, Capital One CEO Richard Fairbank calls many of those inhabiting the FICO band of, say, 600 to 650 “fallen angels”,
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Karl Marx Rides Again…or Not

Don’t bother trying to get it fast—it’s on backorder at Amazon.com—but Thomas Piketty’s book on capital in the new (if aging) century is setting tongues wagging globally. If you want to get a head start on the conversation, you can’t do better than our own Yuwa Hedrick-Wong, whose opening salvo is definitely worth a read.
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Four New Paths to Financial Inclusion

Remember “thin file”? No, it was not son of “thin client”, which was the financial services technology buzzword du jour around 1996. Thin file is technology for getting credit scores on the unbanked. It never went away, really, and Michael McEvoy in the latest issue of MasterCard Advisors Compedium explores how technology can be used
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“Local” Merchants Need to Think Globally

Brands of all kinds strive to become increasingly global in their marketing strategies, but you need to look through both tubes on the binoculars to get the true stereoscopic effect. In other words, global needs local, and local needs global. “Collectively, local brands still account for the overwhelming majority of consumers’ purchases,” said Sarah Quinlan,
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The Amazing Vaporizing 35%: Banks and Mobile Banking

A recent story in The American Banker about U.S. banks’ interest in mobile payment apps quoted a pretty surprising statistic: “a recent study from fintech vendor Accenture predicts that U.S. banks could lose 35% market share by 2020 to new competitors ranging from small payments firms to Internet giants, like Google, to retailers.” Wow. Thirty-five
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Simplify/5personas Webinar: Let’s Go to the Videotape!

Which shows you how old I am. Rather, let’s go to the replay, which is available here. Also, you can access the eBook we put together with Bigcommerce here. The comments of Bigcommerce’s Kirsten Knipp are especially interesting, as they show how to make the 5personas findings actionable.