Replies to This Discussion

Permalink Reply by Baran Baydar on March 30, 2012 at 4:22pm

You can easily outline it yourself, it's basically a two sided model with the customer segments "Sellers" for example stores, shops, restaurants etc and "Consumers". The main revenue stream is the percentage fee Visa gets from sellers for every sale payed with visa. The second revenue stream are monthly credit card fees payed by the consumers. The value proposition is obviously easy, cashless, widely-accepted payment of purchases. As one customer segment grows the other one grows as well.

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Permalink Reply by Fernando Ramos on March 31, 2012 at 8:53am

Thank you Baran.

if you're interested, Jitender has left the following link: http://bmimatters.com/2012/03/19/understanding-visa-business-model/

Regards.

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Permalink Reply by Jitender Miglani on March 30, 2012 at 6:41pm

Hi Fernando,

I had drawn VISA Business Model over the Canvas sometime back. Please check the following link:

http://bmimatters.com/2012/03/19/understanding-visa-business-model/

Regards,

Jitender

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Permalink Reply by Fernando Ramos on March 31, 2012 at 8:55am

Thank you Jitender. It's very interesting. I'm sure it will be very useful.

Regards.

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Permalink Reply by Ian Perry on April 25, 2012 at 12:23pm

The VISA business model is not as intuitive as the usual business models. Matter of fact, VISA, unlike any of us  would possibly infer, is actually a public-traded company enlisted in the New York stock exchange.

VISA provides payment product platforms to banks in order to provide credit and debit card services for their customers. VISA manages an “Open-loop payments Network” and does not issue credit cards or serve credits to customers.It is an excellent example of a multisided platform business model that encourages “cross-side” network effects.

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Permalink Reply by Fernando Ramos on May 4, 2012 at 1:40pm

Thank you Ian

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