Banking partnerships increase in 2011, though slightly
Campus card bank partnerships, like many financial service offerings, are having a tough time as increased regulation makes it harder for banks to turn a profit and make programs attractive to schools. Despite this challenge, 2011 saw some growth in the number of programs and several banks did see their numbers increase.
The biggest issue for banks with campus partnerships is how to make money. As regulators clamp down on fees banks can charge cardholders and merchants, the profitability matrix has changed. The pendulum has shifted forcing banks to focus less on fee income to make the business case and more on the long-term value of the customer relationship.
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