Live Webinar
2023 Credit Card Market Overview Description
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This session, presented by TRK Advisors and Elan Credit Card, will explore how credit unions are competing against dominant credit card issuers and what to expect in 2023. By understanding growth, risk, and other critical performance trends we will identify areas where credit unions have found ways to compete effectively with the dominant bank issuers. We then discuss what a credit union needs to do to succeed in this highly competitive field, as well as identify the reasons three out of four credit union credit card programs still underperform. We’ll explore successful strategies and upcoming challenges facing the industry. Make no mistake, 2023 brings a set of challenges the credit union issuing community has not had to confront in over a decade. Prepare your credit union and members by joining this session.

Attendees will learn:

  • The latest market size, risk, and revenue trends.
  • Performance differentiators across various program sizes. 
  • Profitability impacts of interest rate changes over the last year 
  • Key challenges facing credit union issuers in 2023. 

Presented in Partnership by:    

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Wednesday, April 12 | 2:00 PM ET 

Presenter Info:
Callahan & Associates | 1001 Connecticut Ave. NW, Ste. 1001 | Washington, DC 20036
Contact Us: 800.446.7453

Reserve Your Spot

Tim Kolk, President TRK Advisors

Timothy Kolk, President of TRK Advisors, brings over two decades of experience in the credit card industry, including previous positions of Managing Partner at Brookwood Capital and head of Finance for M&T Bank’s credit card program. He has analyzed hundreds of credit card programs and is considered a leading expert on credit card program design, portfolio optimization techniques, processing system evaluations, marketing plan development, new program start-ups and program profitability & performance management. In addition, Mr. Kolk has industry leading experience on the pros and cons of selling their credit card portfolios and is acknowledged as a leading figure in the negotiation and transition process related to such sales. He has experience with every type of credit card program (e.g. owned portfolios, agent programs, carve-out, distressed, affinity branded, cobranded), across all size ranges and processing environments, and including a wide variety of special situations (e.g. merging institutions, transitioning endorsement negotiations, terminated partner agreements). Mr. Kolk is frequently sought out by the trade press for his views on the credit card market, hosts the Online Card School to provide ongoing training to the issuer community, co-hosts with Callahan Associates the Card Management Series of webinars, and publishes articles and white papers throughout trade and general press.

Mr. Kolk attended Dartmouth College, graduating with honors. He received his MBA and was selected as the M&T Bank Fellow at SUNY Buffalo where he also graduated with honors.  He has or currently serves as a member of GFA Federal Credit Union’s Monadnock Advisory Council, and Board Member of the non-profit River Center, after previously having been President of Friends of Conval Athletics, Treasurer of Conval Hockey Boosters, Treasurer of Conval Dollars for Scholars, Board Member for Live Free & Ski, applicant interviewer and regional Book Club Chair for Dartmouth College, as well as coach for a variety of youth sports.