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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

General Purpose Cards on London Transport: Closer Than You Think

I am old enough to remember when New York City’s MetroCard was a revolutionary device, replacing “tokens” with a mag stripe (it wasn’t a chip, but that’s another story, and, yet and still, it was digital). There was some heat and noise around opening up the MTA to general purpose cards. It looks like London
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MasterCard’s Own Ajay Banga on Financial Inclusion

As the rest of us well know, the world’s movers and shakers gathered last week in Davos, Switzerland (here’s a dime if you can name the 20th century classic novel set in that very same town), for the World Economic Forum, among them MasterCard CEO Ajay Banga, who spoke at  length about financial inclusion—making the
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And You Thought It Was Just Bitcoin

Here’s a good summary of the “altcoin” phenomenon (it’s not just Bitcoin) from National Review’s Betsy Woodruff, with a video she did on CNN. I wonder if she gets my hate mail? Plus, there’s now a book about it!

Making Waves in a Privacy World

Anybody looking for a good summary of Insights’ 5personas work could do worse than read this story at the website. It’s always fun upending conventional wisdom with facts.

The Fed Wakes Up to Bitcoin; What about the Rest of Us?

I love posting on Bitcoin, because it brings the POUM out of the woodwork; they’re always ready to comment on Bitcoin. Still George Orwell isn’t the 1930s figure that the Bitcoin phenomenon brings to mind. And now the Federal Reserve Bank, a bête noire of monetary fundamentalists if ever there was one, has taken notice
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Mythbusting on the Unbanked and Underserved in Europe

Mark Twain famously said it isn’t what people don’t know that hurts them; it’s what they do know that isn’t so. Like financial inclusion. In the developed world it’s all about migrants and the undocumented right? Not so fast. Please, if you haven’t already, take a look at some absolutely splendid work the MasterCard Europe
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