BOSTON--(BUSINESS WIRE)-- Josh Frank, Senior Researcher, Center for Responsible Lending, says that credit card market structure in the US is inherently inefficient, and so market intervention has been and continues to be appropriate. His is one of seven original articles just published in the Lydian Payments Journal, a monthly online resource found on PYMNTS.com.



The Lydian Payments Journal invites and publishes original content from prominent thought leaders across the globe and is designed to shape and chronicle the industry on a spectrum of topics from innovation to informing policy in this powerful sector. The journal is edited by David S. Evans, economist, author of Paying with Plastic: The Digital Revolution in Buying and Borrowing and Founder of Market Platform Dynamics.



The first issue of Lydian Payments Journal features the following articles:

• SEPA: How Come and What's Up? by Joris Barbas, Deloitte Financial Advisory Services and Wim Westerman, University of Groningen's Center for International Banking, Insurance and Finance.


• A Review of Payment Card Economics by Wilko Bolt, De Nederlandsche Bank and Sujit "Bob" Chakravorti, Federal Reserve Bank of Chicago.


• What Does the Credit Card Market Have In Common with a Peacock? by Joshua M. Frank, Center for Responsible Lending.


• Marketing Credit Cards in Postcommunist Russia by Alya Guseva, Boston University.


• Who Owns Mobile Money? by Ari Hyytinen, University of Jyväskylä and Tuomas Takalo, University of Jyväskylä.


• Two-Sided Bank Card Payment Networks and Public Policy by David VanHoose, Hankamer School of Business at Baylor University.

PYMNTS.com is a joint venture between Business Wire, a Berkshire Hathaway Company, and Market Platform Dynamics. It provides a platform for industry professionals to share content related to their latest company and product developments, to tap into the collective commentary and analysis from experts, bloggers and industry pundits, and to interact with industry thought leaders on topics of critical importance to the future of the sector. The Lydian Payments Journal is named after Lydia, the birthplace of coinage, the world’s first payment device.

For information on PYMNTS.com contact info@PYMNTS.com. You can also follow PYMNTS.com on Twitter at http://twitter.com/PYMNTS and join the PYMNTS Linked In group.



About Market Platform Dynamics (MPD):

MPD is a management consulting firm that ignites catalyst businesses by leveraging new technologies, business models and pricing strategies. MPD has a wealth of experience within industries that are characterized by complex platform-centered ecosystems, including payments, mobile/telecoms, digital and advertising-supported media, and software-based businesses.

MPD works with both incumbents and new entrants, offering a unique lens into the dynamics that shape the competitive playing field. In addition to traditional consulting-based services, MPD’s Catalyst Ventures provides intellectual and human capital to new firms. MPD’s experts include economists, econometricians, product development specialists, and strategic marketers who apply cutting-edge business theory and statistical methods to the practical problems of building and growing a profitable catalyst business. MPD is headquartered in Cambridge, MA, and has offices in London and Hong Kong.

For more information visit www.marketplatforms.com.



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