A hybrid approach can also be taken where the processor provides a base platform that can be configured by the client to a limited extent. This model has its own issues such as determining who has ownership when something breaks, slowness and inefficiencies due to use of code generators and generic applications, implementation of customizations into the standard release can be problematic. This model also requires the client to expend resources on software development rather than focusing on its core competency – marketing and building successful card programs. |