Edelman, Benjamin, and Andrei Hagiu. “Consumer Payment Systems — Japan.” Harvard Business School Case 909-007, August 2008. (Revised May 2009.) (educator access at HBP. request a courtesy copy.)
In 2008, the Japanese consumer payments landscape featured ongoing widespread use of cash, limited use of credit cards and rapid rise of e-money systems based on contactless technology embedded in cards and especially mobile phones. The case details the alliances that created new products, as well as the regulations that sometimes stood in the way. Throughout, the case identifies incentives for both consumers and merchants, including direct costs, efficiency benefits, rebates, and treatment in case of loss or fraud.
Teaching Materials:
Consumer Payment Systems — United States and Japan – Teaching Note (HBP 909039)