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gracegenie 发表于 2018-11-16 09:29 
澳村市场培育。。我个人觉得还有很大空间。
amex这个时候采取这种大面积打击用户群的事情。。直觉。。和 ...
给你看一段AFF上评价最高的话
说白了就是市场部想把我们这群薅羊毛的赶走 。 毕竟你转走的每一分MR Amex都要付钱给对面FFP的，这可是真金白银。
Seriously I don't know how any legit loyalty professional can sign off on such a massive devaluation. Their role is to advocate for members. I would quit my job before agreeing to aimless value-stripping from the member base.
However, three interesting points to share:
1) The competition to Amex is realistically the Big 4 + Citi. All of which seriously devalued consumer card products over the past year. There is a significant lack of business creativity/innovation in Australian consumer banking. As others have pointed out in this thread - many other countries are ADDING cardholder benefits, lowering annual fees and increasing points earn all at the same time - even in markets which have lower interchange rates than Australia.
2) If the MDR to *ALL* merchants didn't drop by ~50%, the overall net effect of changes will mean higher margin and more revenue for Amex.
3) I was recently interviewed for a major travel industry publication which asked what I thought would be the disruption technology for airline loyalty over the coming year. What I know is that Airlines which devalue the loyalty programs take an instant hit on revenue, co-brand revenue and yield. Program changes mean the underlying core member base has a behavioural impact change and attracts a new type of customer with a new type of spending.
Those newly alienated loyalty members tend to stop buying into 'premiumness' in general and then chase the best price. If Amex can learn anything from this, is that for every cardholder they will lose, that cardholder is likely to chase the best deal, and be less prepared to pay a premium for a card in the future.
Charge cards are significantly overpriced with this latest change.
It's unfortunate the industry doesn't have more smart folks who can advocate for the customer. |
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[全球金融危机对我和我身边的人影响征文] 学费打工等等（原来我是第一个，哈哈） (2008-10-25) 韬光养晦 
楼主:juntz
发表于 2018-11-16 09:18
