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The following is a list of recommendations that Barclaycard should implement to remain competitive.
1. Barclaycard can introduce credit cards that have a lower APR to compete with the new entrants.
2. To encourage spending Barclaycard can introduce incentive programs to stimulate spending. For example, they can follow Novus® with a cash back program on spending.
3. Discourage consumers from using cash and a main method of payment.
4. Be the first mover again and introduce other programs that allow a consumer’s life to be easier. For example, they can start implementing services where a consumer can pay with their cell phones using the IR feature, or start emplacing smart card technology in retail outlets as this is seen as the next possible trend in the future...
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