{ "docId": "019de072-3659-72c5-a358-6fd43c930d52", "docSlug": "4929d5c9ab06b3f52c156a51c32ae37e", "documentTitle": "Pathward Financial | Investor Presentation Deck | 24 slides", "authorId": "pathward-financial", "authorName": "Meta Financial Group", "documentKindSlug": "pitchdeck", "documentKindLabel": "Pitch deck", "sourceTypeSlug": "investor_relations", "sourceTypeLabel": "Investor relations", "presentationDate": "2022-02-01 00:00:00", "orientation": "landscape", "aspectRatio": 1.3333334, "pageNumber": 23, "pageCount": 24, "prevPage": 22, "nextPage": 24, "slideType": "appendix", "function": "appendix", "density": "overcrowded", "nDataPoints": 0, "notes": null, "elementsJson": null, "metadataConfidence": 1, "imagePath": null, "slideHref": "/slides/019de072-3659-72c5-a358-6fd43c930d52/23", "deckHref": "/decks/019de072-3659-72c5-a358-6fd43c930d52", "deckJsonHref": "/decks/019de072-3659-72c5-a358-6fd43c930d52.json", "deckAnchorHref": "/decks/019de072-3659-72c5-a358-6fd43c930d52#slide-23", "components": [ { "bbox": { "h": 0.28, "w": 0.42, "x": 0.058, "y": 0.61 }, "kind": "paragraph", "text": "Issuing Bank: The issuing bank enters into a relationship with the cardholder, program manager, and enables cards on a given network. The issuing bank fills three primary roles in payment processing: it is a “network sponsor,” which means it can issue cards on a given payments network; it is a holder of funds (for example, for gift cards, deposit accounts and other non-credit cards); and it is a “settlement point,” managing a consumer’s account and paying out to the merchant’s account after a purchase.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "1bcc6943-013a-4008-a78c-5372617a89d7", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.15, "w": 0.42, "x": 0.058, "y": 0.24 }, "kind": "paragraph", "text": "Acquiring Bank: An acquiring bank provides merchant accounts that allow a business to accept card payments and works in conjunction with the acquirer processor. In some cases the acquiring bank and acquirer processor are a single entity.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "51ae4590-72c5-4eaa-a8c6-9d75ea3bd12e", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.08, "w": 0.42, "x": 0.52, "y": 0.24 }, "kind": "paragraph", "text": "Issuing Processor: Connects directly with the networks and issuing bank to provide the system of record, authorize transactions and communicate with settlement entities.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "5db9a0ea-e035-4ac6-928f-fff8c02a1e91", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.18, "w": 0.42, "x": 0.52, "y": 0.6 }, "kind": "paragraph", "text": "Program Manager: Businesses that manage various elements of a card program on behalf of the issuing bank. The Program Manager is responsible for defining the program, operating the program, and managing its profitability. The program manager typically is responsible for establishing relationships with processors, banks, payment networks and distributors and for establishing account(s) at banks.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "5dd49422-fedd-4e0b-aa3f-617a2f3e0db4", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.22, "w": 0.42, "x": 0.058, "y": 0.39 }, "kind": "paragraph", "text": "Acquiring Processors: Acquirer processors connect directly with merchants, the network and the acquiring bank, or via a payment gateway, to facilitate payment acceptance at the merchant. They provide the technical capabilities to create the system of record to communicate with authorization and settlement entities. In some cases the acquiring bank and acquirer processor are a single entity.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "6da45c2e-846a-42a1-abeb-934b7049c882", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.08, "w": 0.42, "x": 0.52, "y": 0.36 }, "kind": "paragraph", "text": "Fintech: Fintech refers to the integration of technology into offerings by financial services companies in order to improve their use and delivery to consumers.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "b4635ea4-87f6-4f7d-ae27-a00a6e167986", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.08, "w": 0.42, "x": 0.52, "y": 0.48 }, "kind": "paragraph", "text": "Merchant: A merchant simply refers to any business that accepts card-based payments either via a physical swipe (at the point-of-sale) or virtually online.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "dc12b530-bf4b-4aa4-8a2c-ac6cc66f8103", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.03, "w": 0.21, "x": 0.058, "y": 0.195 }, "kind": "title", "text": "Payment Players", "attrs": null, "subkind": "headline", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "68c3aff4-6e5e-4843-bd0f-b31364ab6acf", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.04, "w": 0.44, "x": 0.058, "y": 0.065 }, "kind": "title", "text": "DEFINITIONS, CONTINUED", "attrs": null, "subkind": "headline", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "d4d57211-8272-42ff-920d-38822e1ff672", "frameworkName": null, "frameworkSlug": null } ], "metrics": [], "tools": [], "frameworks": [], "arcBeats": [], "loops": [], "imagePathAlt": null, "thumbSrc": null, "thumbSrcAlt": null, "locked": true }