1200 debit insights your one stop shop for issuing and...
TRANSCRIPT
Debit InsightsYour One Stop Shop for Issuing and Acquiring Data
May 24, 2017
Andrew Oasen, Senior Product Director, ATM Strategy, FIS
Ron Record, Relationship Manager, Saylent Technologies
Data is a top trend and prediction for financial institutions in 2017
Debit Insights
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9%
10%
11%
18%
29%
29%
32%
45%
53%
54%
0% 10% 20% 30% 40% 50% 60%
Investment in an innovation accelerator or accelerator…
Emergence of new challenger banks
Exploring of advanced technologies (IoT, voice)
Responding to regulatory changes
Expansion of digital payments
Building partnerships between banking and fintech firms
Open APIs
Improvements in integrated multichannel delivery
Use of big data, AI, advanced analytics and cognitive…
Removing friction from the customer journey
Top 10 trends & predictions for 2017 financial institutions
Source: The Financial Brand, Top 10 Retail Banking Trends and Predictions for 2017, December 2016
Improve the Success of
Your Card Portfolio
Industry challenges for Financial InstitutionsHow do I improve my card portfolio, how do I use my data in a meaningful way and how can my data be leveraged to strengthen my relationship with my cardholders?
Increase wallet share,
transactions and revenue
Analyze Return on Investment
(ROI) on new initiatives
Provide tools to manage and
grow the program
Improve effectiveness of
marketing campaigns
Improve FTE efficiency
Feel as though you need to be
or need to have an IT guru to
make sense of your data
Targeted marketing efforts
More responsive analysis to
minimize fraud
Cardholder retention and
acquisition
Maximize retention by
targeting underperforming or
“at-risk” cardholder segments
Data
Efficiency
Strengthen Cardholder
Relationship
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Debit Insights Today
Obtain a Holistic View of
Your ATM Fleet
Industry challenges for ATM DeployersHow can I obtain a holistic view of my ATM Fleet, how do I use my data In a meaningful way and how can I analyze my data in a user-friendly manner?
Having a full view of your ATM
footprint (where are they, when
did they go live, are they on/off
premise, etc.)
Understanding your ATM fleet
profitability in a manner as
simplistic or complex as you
would like to make it.
P&L reporting
Improve efficiency of
managing and understanding
ATM profitability in a way that
does not require manual Excel
spreadsheets that tend to be
very resource heavy
Quickly gather ATM analytical
data without having to go
though multiple reports and
manual formulas
Surcharge Trends
Approval/Decline %
Top/Bottom ATM Performers
Transaction Mix
ATM/FI/Region/Group Reports
Export Searches to Excel
Data
Efficiency
ATM Activity Analysis
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Coming to Debit Insights in 2017
What is FIS Debit Insights?
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FIS Debit Insights is a debit card portfolio optimization solution
Works with your FIS debit processing systems to reveal valuable information about cardholder usage and portfolio trends
Designed to empower business-line owners to drive more revenue and profit from existing portfolios
• Without having to approach IT constantly
Provides powerful debit portfolio analysis capabilities to analyze cardholder behavior/trends
Launch-pad to develop highly effective, targeted programs to influence cardholder behavior
Debit Insights Today
Debit Portfolio Analytics
Analytics Action ResultsData
• Dashboard
• Enhanced Reporting
• Benchmark Reporting
• Transactions Analysis
• Business Analytics
• Analyze card/ATM profitability
• Profile behavior patterns (Card)
• Segment cardholder base (Card)
• Identify at-risk segments (Card)
• Build targeted campaigns
• Offer high-impact incentives
• Increase usage & revenue
• Influence spending
• Improve customer intimacy & loyalty
• Increase retention rates
• Increase ATM profitability
• Increase ATM fleet efficiency
• Cardholder/ATM details & demographics
• Transactions & transaction details (Card & ATM)
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What is the value of Debit Insights?
Debit Insights
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Debit Insights has value for the financial institution in the following areas
Quick customizable views of the
key metrics in your portfolio (Card & ATM) each month
including benchmark
data
Quick collection of key reporting
information (Card & ATM)
each day without having to fish through
different reports
Understanding individual
card/ATM and segment/group revenues and
profitability
Assistance with fraud and
compromise events,
including help finding CPP
(Card)
Segmenting the portfolio into
purchase behaviors for
targeted marketing programs
(Card)
Enabling a profitability
analysis of your ATM fleet without a
manually heavy effort
(ATM)
Providing a holistic view
into your ATM fleet without
fishing through reports from
multiple sources
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Card Group Segmentation Enhanced Reporting Miscellaneous
By Cardholder Demographic Usage by Transaction Type Card Risk Mitigation
By Card Status Usage by Customizable Transaction Filters Measure Card Portfolio Penetration/Activation
By Cardholder Geography Usage By Merchant/Merchant Category Code Marketing Campaign Management
By Card Type Usage by Network Card Segmentation/Campaign Profitability Analysis
By BIN By Card Transaction Type
Debit Insights
Card Analytics Short List of Features and Functions
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ATM Activity Analysis ATM Profitability ATM General Information ATM Fleet Tracking
Interchange Trends 3rd Party Operating Expenses Terminal ID/Live Date P&L Reporting
Surcharge Trends Internal Operating Expenses Location (Address, City, State) Monthly Trending
Approval/Decline % Capital Expenses Features (On/Off Prem, etc.) ATM/FI/Region/Group Reporting
Foreign Cardholder Volumes Export Data to Excel
Deposit Activity Top/Bottom 10 ATMs
ATM, Group, FI, etc. analysis
Coming to Debit Insights in 2017
Debit Insights
ATM Analytics Short List of Features and Functions
Standard Transaction Reporting
Standard card groups and transaction filters, no customization
Example shows:
• One day
• Query results broken down by:
Transaction Type
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Advanced Transaction Reporting
Highly customizable
Example shows
• One weeks of data
• Two select age groups of cardholders
• Query results broken down by:
Transaction Type
Card Group
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Debit Insights Provides Actionable Tools
Functional Area Solutions
Executive Level Reporting
• Understand current portfolio volumes and trends
• Grow revenue thru innovation
• Maximize every cardholder, every card, every transaction
Fraud Mitigation • Detect, analyze & minimize fraud
• Understand cardholder impact of risk decisions
• Easily investigate common points of compromise
• Fraud Forensics provides detailed analytics to distinguish
customer purchasing patterns & behaviors, identify at-risk
cards, & implement fraud mitigation steps.
Breached Merchant or Compromised Card Analysis
Marketing • Increase marketing campaign effectiveness via
segmentation
• Create actionable campaigns to drive revenue
• Create the right message with relevant and motivating offers
• Track campaign impact to justify expense
Product • Differentiate your offerings with innovation
• Drive profitable cardholder behaviors
• Create greater customer intimacy
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Debit Insights
Case Study – Increase debit usage to drive interchange revenue
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Of targeted
members qualified
for reward
Average purchase
tran volume up
over baseline
Average spend per
card up over
baseline
310%17% 347% 3mo.
Break-even on
campaign
Challenge: Easily identify members to target & right incentive to encourage them to use their cards more often.
Profile: 73,000 Members and $1 Billion Asset Size Financial Institution.
Strategy: Identified CH’s with low POS tran volume & developed incentive-based promotion to drive debit card usage.
Campaign: If members used their targeted card 15+ times in the month identified they received a reward code.
Debit Insights
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• ATM Activity Analysis
– Interchange trends
– Surcharge trends
– Approval and decline
percentages
– Foreign cardholder volumes
– Deposit activity
ATM Activity Analysis
Debit Insights ATM Analytics
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• ATM Activity Analysis
– Monthly trending
– Income by region
– Configure and export
ATM Activity Analysis
Debit Insights ATM Analytics
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• ATM Profitability Analysis
– 3rd party operating expenses
FLM/SLM
Cash management and
deposit pulls
Electricity
– Internal operating expenses
ATM staff costs
Marketing costs (could be 3rd
party)
– Profitability trend reporting
ATM Profitability Analysis
Debit Insights ATM Analytics
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• ATM Profitability Analysis
– Capital expenses
Hardware
Software
Installation
Construction
Upgrades
User-defined capital expense
fields
ATM Profitability Analysis
Debit Insights ATM Analytics
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• ATM General Information
– General Information
Terminal ID
Make
Model
Live date
– Location
Address
City
State
Hours
– Features
On/off premise
Accepts deposits
On a military base
ATM General Information
Debit Insights ATM Analytics
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• ATM Fleet Tracking
– Income Statement
– Download to Excel
– Report by region
ATM Fleet Tracking
Debit Insights ATM Analytics
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Sample ATM Reporting View
Example Shows
• Fleet Level View
Volume By EFT Network
For all cardholder types through the network
For all transaction types through the network
Debit Insights ATM Analytics
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Sample ATM Reporting View
Example Shows
• Top ATM Performers in volume:
All transactions but …
Limited to foreign transactions only by non-FI cardholders
Debit Insights ATM Analytics
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Sample ATM Reporting View
Example Shows
• Fleet Level View by Volume:
All ATMs in fleet
All card types and all transactions (onus & foreign)
Limited to on-premise and off-premise ATMs
Debit Insights ATM Analytics
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Sample ATM Reporting View
Example Shows
• Fleet Level Top Performer View by Volume:
All ATMs in fleet
Limited to On-Us Only card types and transactions
Debit Insights ATM Analytics
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Sample ATM Reporting View
Example Shows
• Fleet Level View by Volume:
All card types (On-Us & Foreign) and all transactions performed
Broken down by transaction mix
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