"Honduras? Venezuela? Isn't Havana the capital of Cuba? How..."

"In fact, the staple food of Cubans is mostly black beans, rice and Cuban sandwiches. Tacos are rare in Cuba, but the frequency of Cubans eating tacos and their love for tacos is far less than that of Venezuelans or Honduras."

Havana is just a name, who takes it seriously?

Hearing Carter's question, Goodman felt a little funny:

"Those old Mexicans actually like tacos, but the taste of Mexican food is on the spicy side. In terms of market adaptability, I think it is better to make improvements based on the flavors from Honduras."

"Okay, okay, let's take a look at this thing. You know my taste is not representative. While Jinas is still talking about cold storage and factory construction, please help me supervise Cui Fali during this time.

, let him lead these chefs to come up with standardized operating procedures. Even if it is not exactly the same as McDonald's, it should not be too different. In addition, there is also the issue of taste, which is the same as the previous tasting event.

, try to collect real customer reviews in as much detail as possible.”

Put down the seat back, Carter instructed while yawning.

"Sorry, I didn't get enough rest last night. I'm going to lie down on a chair and rest for an hour. There's been a lot going on lately..."

"It doesn't matter, it's really busy during this period. Finally, in the city of Pilsen, Mr. Rayboulding called us to inform us that the referendum on the ht plan is set for April 10th. He hopes that this time will allow you to

There is enough time to prepare the speech.”

"Oh, sorry, I almost forgot. This is not the last thing, about the credit card... Both the Visa organization and the MasterCard organization called us this afternoon, and they both hope that we can join them. This thing is.

..”

"I know this, it's a credit card issuing organization or card issuing alliance. Do they have an exclusive agreement now? That means that after joining one party, you can't join the other party?"

After raising his arm and briefly interrupting Goodman's idea of ​​introducing the two card organizations to himself, Carter's question went straight to the core.

"Yes, now neither of them allows one card to use the channels of both parties at the same time. We can only choose one!"

Visa card and MasterCard have been established for a long time. Now they are contacting their own bank, hoping to absorb Black Bank into it. It is only because they were not allowed to operate credit card business until yesterday.

Therefore, Goodman was not surprised that Carter knew these two types of cards. However, Carter knew these two types of cards by relying on the memory of his past life. Carter did not know the current advantages and disadvantages of these two card organizations.

"What about your suggestion?"

“I recommend joining MasterCard! The imprint of National American Bank on Visa is too strong. Although their channels are more mature now and there are more merchants joining Visa, but with National American Bank as a core bank, I always feel that

Unreliable.”

Seeing that Carter was lying flat on the seat, Goodman stood up and walked to the window. While answering Carter's questions, he closed the curtains that Carter had ignored...

"In my opinion, this kind of alliance-like organization that is used to unify standards and channels cannot have a situation where one member is dominant. Otherwise, it will naturally be the core of influence, and even the settlement of visa will probably be controlled by

Bank of America is finishing."

"Although theoretically speaking, it is unlikely that a big bank like them will have any evil intentions towards a small sum of money like ours, but who can say for sure what will happen in the future?"

“Compared to Visa, the MasterCard organization is basically an association formed by small banks in order to fight against Visa, or NBI and BankAmericard before it. Each bank contributed a little money, and the card organization was formed after everyone acquired the MasterCharge patent.

"

"Generally speaking, there is no dominant player like Bank of America in the MasterCard organization. They are of equal strength. This is the balance!"

"Okay, that's it! Do you need any help from me?"

What is NBI? Carter couldn't guess it just by hearing the abbreviation. But that BankAmericard...

This is not even pretentious! Let me tell you nakedly, I am the boss of Bank of America, and you all have to stick to my logo and use my brand! Naturally, I, the boss of Bank of America, do the settlement.

Compared with putting his own funds to operate and flow on other people's territory, Carter is actually more confident about putting them on his own territory. But this thing about credit cards... If you don't join an organization, your card will basically be limited to your own.

This is very detrimental to attracting customers to apply for a card and then repay the loan after consumption.

"I'm afraid we really need to do something about this. Of course, you can continue to rest, as long as you give me an authorization. The two things we need to do are not difficult. One is to make a card. After joining the card organization, they will give

We recommend a credit card production company; the other is that we need to sign up with some local merchants.”

"Because we have never had a commercial bank in Douglas, it has always been a desert for credit card services. Merchants simply do not have the equipment and experience to process credit card transactions. Card issuers all hope that we can help expand this market, and accordingly

, taking the number of merchants that join to support credit card services as an indicator, the more merchants we sign, the more handling fees we can reduce in the future..."

"Okay, no problem, just do it!"

Goodman's words formed several logical equations in Carter's mind: credit card = service platform, similar to group buying in later generations; contracted merchants = local promotion, increasing the number of merchants on its platform and increasing its platform's impact on consumers.

Attractiveness. This is something that every platform merchant will do.

After agreeing to the MasterCard organization's request or request, its Black Bank will play the role of a local group buying company. It will first integrate local resources, and then be absorbed by the big platform, becoming part of the monopoly channels that make up the big platform.

As a leek seedling who has been exposed to these monopoly platforms for many generations, although he hates the monopoly of large platforms, Carter also understands that he does not have the right to choose now. Because if he wants to sell his credit card, he must join

card organization.

A credit card that cannot be taken out of the local area is completely the same as a useless card!

Now, I can only pray that MasterCard, which is composed of retail bankers, can be more conscientious than the dominant Visa, such as charging less in handling fees...

It is impossible to resist, and it is impossible to resist now.

Instead of resisting, it was better to lie down. Carter, who was already lying down, felt sleepy. However, Goodman did not want to let him go so easily.

"Then, there is one more thing. If you are sure to join the card organization, this is what the credit card sales team should do... The tellers in our bank have never been exposed to the credit card business. Let them talk to the merchants. I am worried about them.

I can't understand it at all..."

"If you don't understand, just explain it to them first! Isn't it all about collecting money? As long as the merchants can receive the money, why do they care so much about you?"

"Also, I'm really sleepy! Let me sleep for an hour first, please! If anything happens, call me in an hour!"

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