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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

Recent Posts

The Digital Evolution Index and the Emergence of a Connected Planet

Where are the Internet’s next billion users coming from? Not from where you might think. Be aware first that wherever they come from, they’re coming faster than ever before, faster than the first 2.9 billion, cyberspace’s current human population. Anything due to grow by 35 percent is bound to be of interest to businesses worldwide;
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The New U.S. Consumer, Credit Card and Debit Cards

I recently addressed MasterCard’s U.S. Markets meeting, Connections, in Los Angeles, about the latest version of our credit/debit work, the completed version of which should be ready next quarter. A good summary of the major findings is in this interview I gave to the McClatchy papers.

It’s Like Bedbugs: Or, Malware Goes Mobile

It’s not just merchants who are going omnichannel: so are the bad guys. My friend Julie Conroy at Aite is due tomorrow to publish a paper that shows how fraudsters are adapting malware, their favored tool in the wired world, to mobile devices. According to Julie, unique mobile malware strains released between this year and
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How to Enjoy Labor Day without Jerry Lewis, or, Spending Pulse Predicts a Gas Surge

MasterCard’s Spending PulseTM, Advisors’ macroeconomic indicator based on aggregated and anonymous consumer spend patterns, is predicting a surge in gas usage, as Americans decide to squeeze a little more out of Summer during the upcoming  Labor Day weekend. Check it out here, as well as the infographic that spells out some of the key numbers below.

Get Focused, Get Targeted, but Most of All Get the Payments Piece

On Thursday our friends at research and advisory firm Aite Group are set to publish a very interesting piece of research by Ron Shevlin on something Aite calls “activity-based marketing”. Shevlin says in part that banks need to get more targeted in their marketing so their apps make offers based on what the consumer wants
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