Caso Swat

J.P. MORGAN CHASE &Co. The CREDIT CARD SEGMENT OF THE FINANCIAL SERVICES INDUSTRY

1) Which is/are the key issue or issues?

• What strategy should CCS pursue to differentiate itself and so win against the competition?

• Should CCS take advantage of an internationally expansion or focus on domestic opportunity?

2) Construct a SWOT (give at least 5 items for each one)

Strengths

• Combination of the companies

• Segmentation and promotions

• Strategic alliances

• Domestic Reputation

• Capital facilities

Weakness

• Infrastructure

• Diversification of the services

• Lack of international recognition

• Business and Corporate card segment

• Customer Loyalty

Opportunities

• New technology

• Strategic Alliances

• Profitable niches

• Product expansion

• Acquired and merger

Threats

• Competition

• Trends in the economy

• Environment Regulations

• Saturation of the market

• Bankruptcy Demand

3) Provide 3 alternatives with their analysis and comparison

• CCS as part of JP Morgan chase services should use the reputation and strong economic position to diversify its portfolio, gain reputation and increase revenues, internationally.

Pros

• International Recognition

• Diversify its credits card portfolios

• Increase revenues

Cons

• Potential Competitor (City Bank)

• Experience from its two agent bank relationship won’t work

• CCS, taking advantage of an international expansion opportunity, should make acquisitions or alliances with others companies operating in different market segments, developing differentiation strategies to mitigate competition.

Pros

• Strategic alliances

• Diversify its segments and services

• Become more competitive

Cons

• Last long negotiations

• Expensive Acquisitions

• Wrong decisions

• CCS domestically positioning should increase the final consumers, through the expansion of its partnerships (cobranded cards) with companies of different industries, gaining customer loyalty and increasing the market share.

Pros

• Domestically positioning

• Customer Loyalty

• Increase Market share

Cons

• Difficult to find partners

4) Make a recommendation

...