PLATFORM PROFILEMA
Mastercard
8.14
B-index (V3.1)
BLACK HOLE
Capture2.001
Escape0.246
Key Structural Insight
Visa+Mastercard duopoly: B>5 each. Existence of the other prevents abuse but not exit. Visa leads on network scale and institutional defaults.
Eleven-Parameter Profile
Data Depth7/10
Memory7/10
Action8/10
Process9/10
Network9/10
Closeness9/10
Portability2/10
Substitutability2/10
Human Fallback2/10
Org Depth8/10
Momentum5/10
Capture Escape Extended
V3.1 Decomposition
| Component | Value | Formula |
|---|---|---|
| CES₄ capture core | 0.7728 | CES(d, m, a, p) |
| Knowledge synergy σₖ | 0.7000 | √(d · m) |
| Operability synergy σₒ | 0.8485 | √(a · p) |
| Synergy boost | 1.2323 | 1 + 0.3·(σₖ + σₒ)/2 |
| Org-depth multiplier | 1.4000 | 1 + 0.5·o |
| Momentum multiplier | 1.1500 | 1 + 0.3·t |
| Total Capture | 2.0009 | c·(1+0.5n)·core·syn·org·mom |
| CES₃ escape core | 0.2000 | CES(x, s, h) |
| Feedback attenuation | 0.7295 | max(0.3, 1 − 0.35·core) |
| Total Escape | 0.2459 | ε + escCore · feedback |
| B = Capture / Escape | 8.14 | 2.001 / 0.246 |
Scoring Rationale
Near-identical structure to Visa but smaller network (3.3B vs 4B+ cards). Weaker data analytics products and less often the default issuer choice for banks.
Parameter Sensitivity
MARGINAL B-INDEX CHANGE PER ±1 SCORE SHIFT
CLOSE9+1.81
PORT2-1.69
SUB2-1.69
FALL2-1.69
DATA7+0.78
MEM7+0.78
ACT8+0.74
PROC9+0.69
ORG8+0.58
NET9+0.56
MOM5+0.42
+ raises B (deepens lock-in)− lowers B (aids escape)