What We Think

Getting in Front of the Boomer Brain Drain

Ten thousand people will retire every day for the next 20 years in the United States.

The Year of Living Digitally – Transformation, IDs and Credit Trends for 2018 – by Kris Carrera

2017 showed us that the drive to omnichannel is far more than just hype. In fact, despite widespread geopolitical and financial uncertainty, mobile devices helped connect many consumers to strong economies and active movement of money, whether banking, saving, shopping or investing.

2018 Forecast: What’s Next in Payments and Commerce – by Payments Leader

Download the PYMNTS.com eBook to learn about Payments’ future from 39 Global Leaders. Congratulations to Jim Johnson, President of Financial Institution Payments at FIS, who was chosen as one of the 39 executives by PYMNTS.com to represent the payments space.

2019 Javelin ID Fraud Study: Targets Move with Increasingly Adverse Effects

Given the agility and tenacity demonstrated by fraudsters in 2018, financial institutions should assume that every account type will be under greater pressure going forward.

Don’t Treat SMB Credit Card Clients like Consumers

Today, banks and other financial institutions have an opportunity to create a credit card program designed for small business owners

Agile Development for the Digital Age

How a hyper-collaborative approach brings fluid flexibility to product releases.

Part 2: Alternative Data – Casting a Wider Net to Unleash Improved Credit-Scoring by Ron Whyte

As I previously explained, there is a revolution underway that will transform – and improve – how lenders obtain the data.

A Realistic Approach to Omnichannel Banking

This paper demonstrates a logical series of approaches that collectively form the basis of an omnichannel blueprint for financial institutions.

Artificial Intelligence – The New Frontier in Banking, Part 1: Machine Learning Fights Fraud

Focused on machine learning to fight fraud, this is the first article of a two-part series on the deployment of artificial intelligence in banking and questions surrounding the ethical use of data.

Artificial Intelligence – The New Frontier in Banking, Part 2: Extending Through the Payment Ecosystem – by Maria Schuld

Focused on applications beyond fighting fraud, this is the second article of a two-part series on the deployment of artificial intelligence in banking.

Rise of the Machines: Robots Enhancing Retail Experience – by Dan Peacock

The rapid evolution of artificial intelligence (AI) and robotics have now become a part of everyday life and as they become increasingly more affordable, more industry sectors are getting onboard.

Artificial Intelligence Enters the Loyalty Space

Artificial Intelligence (AI) is becoming more relevant in the financial industry every day. Now, AI is being utilized to improve customer loyalty.

Where do I…AI? AI as a Service Helps Smaller FIs Compete by Ernie Buday

Artificial Intelligence (AI) already is transforming banking for many of the country’s largest financial services organizations. Fortunately for smaller organizations, AI isn’t out of reach.

Long Live ATMs

According to recent studies, the hype behind ATMs being dead is not real. Evidence has shown that cash withdrawals from ATMs have increased over the year

Smart Technology Without a Smartphone – by Naveen Nukala

Mobile technology has the ability to ease access to EBT, simplify benefit distribution, eliminate the stigma that consumers attach to payments made with EBT cards and further reduce fraud, as we’ve discussed.

SMB Recruiting and Onboarding…for Profit!

Hiring the right people may be the single most important thing a small business owner can do. Good employees can make a business successful.

An Rx for Healthy Payments Processing – by Dan Brames

The soaring cost of healthcare in the United States has led to an increasing amount of bad debt faced by medical practices.

B2B Payments: What Magic Will It Take to Make Paper Disappear?

A 2015 Payments Leader article discussed the pros of using credit cards for business-to-business (B2B) transactions – less paper, less manual intervention, rebates for users, ability of suppliers to be paid sooner and global acceptance of major credit cards.

FIS White Paper

Want to know how your financial institution can use data to identify the opportunities that will fuel your growth trajectory? Click here to download Banking on Analytics: Why Data Is Your Secret Weapon.

Bank Portals Can Streamline Digital Charitable Giving

Fundraisers highlight the millions of dollars people digitally pledge to charity every day. But how safe is the cash, & how secure are the payment card details?

How to Disrupt the Disruptors in 2018 – by Esther Pigg

The incredible pace of change in 2017, combined with the uncertain regulatory and political environment going forward, and the acceleration of competitive pressures across the payments industry can make 2018 look like the hardest year yet.

Managing Change in 2018 – It’s Not a Spectator Sport – by Maria Schuld

With so many competing technology trends – and so many competing predictions about them coming out this time of year – it’s tempting to give in to the status quo and wait until one form of technology proves to be the leader. Unfortunately, remaining on the sidelines in the midst of rapid change is unsustainable.

Artificial Intelligence: The Good, the Red Flags and the Bottom Line – by Maria Schuld

I will take my chances against a computer-generated decision any day of the week; it doesn’t have the biases that people have in making decisions.

Blockchain: Still in the Proof of Value Stage by Esther Pigg

Last May, I wrote an article entitled, “Blockchain: Mystery or Reality for the Financial Industry?”

Blockchain: Mystery or Reality for the Financial Industry? – by Esther Pigg

Blockchain is a complicated mystery to many, but it doesn’t have to be. Here’s a simple description I find helpful: Imagine a spreadsheet (ledger) that is duplicated (distributed) thousands of times across a network of computers (nodes).

Building Market Share in a Saturated Debit Card Market

Retail financial institutions (FIs) of all sizes are faced with a saturated debit market in the U.S.

Disaster Recovery: Preparing for the Perfect Storm

In the midst of chaos created by catastrophic events such as hurricanes, earthquakes, and terrorism, financial institutions must be able to deliver critical services and provide the short-term support their customers and employees need.

Can Predicting Cardholder Behavior Help Reduce Prepaid Costs?

Using behavioral analysis to extend the life of cardholders while reducing costs

False Positives: The Unintended Consequences of Mitigating Card-Not-Present Fraud by Maria Schuld

When EMV took hold in the United States, it came as no surprise that card fraud shifted to card-not-present (CNP) transactions.

U.S. Card Networks Set Their Sights on Their Larger Competitors by Bob Woodbury

The signature-debit market has been dominated by Visa and Mastercard since its inception over 30 years ago.

Are Your Priorities Right When Choosing a Loyalty Partner?

Your loyalty program is one of the key components affecting how consumers view your brand.

The Return of the Travelling Salesman: A Retro Retail Paradigm for the Connected Home by Dan Peacock

It may seem counter-intuitive, but today’s online economy is simultaneously leading to a rise in personal consumer contact

Ongoing Software Development, Continuous Rollout and No Down Time? Say Hello to DevOps. by Barbara Morgan

To compete with increasing demands around speed and reliability, many software developers have moved toward new DevOps techniques.

Convenience, Financial Inclusion and Advocacy: Part 1

Digital payments are evolving & focusing on overcoming the obstacles that keep many unbanked markets around the world to gain more financial inclusion.

Commercial Card Value Propositions: More Than Rebates

Commercial cards are prevalent in the market, but issuers have recently lost customers. Here are innovative ways issuers can improve their service value proposition to keep customers.

Creating Your Smart Technology Future

Smart technologies – mobile apps, voice control, artificial intelligence and more – are changing the retail landscape. From greater convenience and faster service for consumers to greater operational efficiency and improved customer loyalty for merchants, technology is creating a new world

Resolve to Embrace Change

As humans, we are biologically programmed to resist change. But studies show that our aversion to change can be dangerous. After all, everything in life is dynamic. If we’re not prepared for change, we cannot easily adapt to – let alone embrace – unknowns that lie ahead.

Financial Institutions Reap Rewards with Credit Card Loyalty Programs by Bob Legters

Google “best credit card rewards” and you’ll get 387 million potential answers, including links to hundreds of websites dedicated to “hacking” reward programs to help customers earn the greatest amount with the least possible effort.

Battling Goliath Takes More than a Slingshot – Kris Carrera

Smaller financial institutions face an uphill battle against top banks in attracting young consumers entering the market for financial products, including credit cards.

Curiosity as the Driver of Culture, Career Growth and Leadership Development: Part 2 by Dondi Black

Curiosity – that urge to ask, “What if?” – can be a strong driver of innovation, as I highlighted in a recent blog. That’s far from the only benefit, however. Leaders who foster a culture of curiosity within their organizations can use it to achieve stronger growth and improvement.

Curiosity as a Driver of Innovation Part I – by Dondi Black

Global companies, such as Disney, have used their customer's curiosity to further drive engagement and grow profit. Now, banks and other financial institutions are following the same path. Learn about the "3 C's" that will help influence your consumers' expectations, and behaviors.

Customer-centric Bill Pay by Mike Kresse

Consumers shouldn’t bear the burden of figuring out complicated banking applications and jargon to pay their bills.

How Loyalty Programs Could Revolutionize Commerce in India (Part 1) – by David Johnson

Customer loyalty rewards programs are a necessity for today’s payment providers.

How Data and Analytics Tools are Reshaping Modern Retail

If merchants want to remain relevant within their industry, it is essential for them to observe, evaluate and adopt emerging trends for long-term success.

Digital Transformation: Imperative for Success

Digital banking technology transformations are reshaping the customer's experience in banking. See what every bank must consider to refine their digital experience.

The Rise of Digital Cards for Instant Rewards and Incentives by Jerry Uffner

The on-going digitization of payments isn’t just about eliminating checks and cash, or even about the rise of digital cards and wallets.

Preparing for Payments Perfect Storm

Millennials have a growing need for digital payments and self-service banking. Learn how to get ready for the digital banking transformation here.

The Death of Cash and Checks? by Leah Middlebrook

Computers and smartphones have forever changed the way we make payments and manage finances. But their biggest change may be our expectations.

Grab the Wheel Before Connected Cars Drive Off by Dan Peacock

Big data and the Internet of Things are enhancing driver safety, car diagnostics and the delivery of new services through connected cars.

Cracking the eCommerce Checkout Code by Sri Kothur

Preference for online shopping is growing – particularly amongst younger consumers – and merchants must adapt. The digital experience must be at least on par and in sync with the in-store experience or retailers risk losing sales.

Driving B2B Electronic Payment Automation for Accounts Payable and Receivable

Accounts payable & receivable can be a long process, but B2B electronic payment automation can help. Here are payment solutions to improve these processes.

‘Alexa, Open EBT’ – by Naveen Nukala

Developed by FIS, this new skill will ease access for disabled and elderly recipients of government assistance, especially those who are housebound or lack family support.

EBT Payments Evolve to Enable Recipients

EBT recipients have faced problems in paying their bills & shopping, especially shopping online. Now, new technologies will solve many EBT recipients' problems.

Flipping the Model for EBT Transactions with QR Codes by Naveen Nukala

It can be hard for EBT recipients to buy fresh produce because farmer's markets usually only take cash. Find out how QR codes could help make this easier!

Time for a Smart EBT Upgrade to Improve the User Experience (UX) By David Johnson

All aspects of the financial world – from international cross-border payments to the distribution of federal benefits to low-income families – are digitizing.

The State of EMV: Card Not Present Fraud Escalates Globally Comments

Currently, 97 percent of FIS' credit issuers are issuing EMV cards, while just under 70 percent of debit issuers are issuing EMV cards.

Are You Ready for Contactless Payments?

“Get ready, get set for the contactless reboot” was the essence of a recent Payments Leader blog advising all issuers to prepare for enabling contactless payments.

EMV Phase Two: Contactless Payments

With EMV migration still ongoing, is the U.S. ready for dual-interface cards?

Enable a New Launch Mode for Product Adoption

FIS is driving the revolution in how financial institutions are launching new products & services. Learn about these new strategies that help drive fintechs toward success.

Energizing Communities in Declining Markets

Bringing the financially underserved into mainstream banking.

Enhancing the Customer Experience through Geolocation-based Engagement by Trevor Mast

The customer experience can be further personalized by utilizing geolocation targeting. Find out how this technology can help improve overall brand experience.

Making the Most of Your Investment in Fighting Cyber Fraud

A recent Krebs report of how employees at a regional community bank fell victim to phishing emails serves as a $2.4 million reminder of the difficulty in fighting cyber fraud.

Financial Inclusion – Learning Lessons from Emerging Markets

With mobile phone penetration in emerging economies at a higher rate than bank accounts, telecommunications companies have offered phone-based payment services

Bringing a Digital Smile to the Customer Experience

Banks and other financial institutions have been working to strike a balance in customer service between digital and physical channels.

Finding the Hidden Value of Your Loyalty Program’s Indirect Benefits

To make sure your loyalty program truly meets all the needs of your financial institution, it’s vital that you measure its direct benefits as well as its indirect ones.

Faster, Smarter, Cheaper: How Innovation Labs are Catalysts for Accelerated Hyper-growth by Leah Middlebrook

Fintech innovation labs are an effective part of creating value during product R & D. See how this strategy has inspired the payments technology we use today.

Javelin and FIS White Paper

Over the past several of years, credit card fraud has been on the rise making financial institutions and issuers more vulnerable.

FIS Success Guide: Now is the Time for Faster Payments

In 2017, the Federal Reserve’s Faster Payments Task Force set a goal to make faster payments an option for every customer and business transaction by 2020.

A Look Ahead to 2018: Grab the Handrail

From every direction, you can see the tremendous transformation that’s happening in payments. But blink for one moment, and you’ve missed another technology change in the payments ecosystem.

Four Pointers for Building a Purpose-Driven Institution by Ellyn Raftery

“Let purpose be your driving force.” FIS Chief Marketing and Strategy Officer Ellyn Raftery talks with Financial Brand readers about the need for brands to align with societal causes that are important to younger generations to differentiate themselves.

From Global to Local: Nine Ways That Payments Are Shrinking the World

As we see payments technologies evolve, the boundaries between nations are starting to quickly disappear. It will continue to be an amazing transition.

Financial Institutions Must Connect with Millennials and Gen Z Now

Their youth, coupled with the potential for deep student loan debt, makes it easy for financial institutions to consider postponing active pursuits of millennials and Generation Z.

Gauging Product Profitability: Don’t Let Intuition Stand in the Way of the Truth

Without a robust profitability model, companies have nothing but sales, margin and intuition to gauge product performance. The trouble is that sales and margins don’t tell the whole story and intuition often fails us. Data is what tells the truth.

Go-faster B2C Payments Dropping Checks and Cash

Automated Clearing House (ACH) payments reconcile faster than checks, they provide transparency, & their security and fraud protection is greater than paper.

Growing Loyalty Through Co-branded and Affinity Credit Cards

The interest in affinity & co-branding of credit cards is fast becoming a central pillar of customer loyalty, & cross-sell opportunities for merchants.

Good Bye Expedited Payments. Hello Real Time. by Mike Kresse

Real-time payments are poised to become part of financial institutions

Helping Your Customers Save by Rounding Up

New tools are launching that roundup payments to the next dollar to support saving and giving:when a payment is made, these tools take the money between the actual cost of the bill and the next dollar and deposit the difference in a savings account.

How to Painlessly Modernize and Renovate ACH Processing for Decades

As the world continues towards real-time payments, ACH payments could soon be outdated. See what banks are doing to renovate & modernize their ACH payment processing.

Identity Fraud: The Battle Continues

In today’s world of digital commerce, consumers expect to be able to bank and shop anytime, anywhere, but as we migrate to online and mobile channels, the potential for fraud and identity theft grows exponentially.

Implications of Europe’s GDPR & PSD2 on the United States

GDPR imposes new rules on organizations that store information on European citizens, & stipulates that they need customer consent before sharing data.

Improve your B2B payment with e-invoicing

The world of B2B payments has historically been slow to embrace the digital revolution. Electronic invoicing is still haphazard between small & large business

How Loyalty Programs Could Revolutionize Commerce in India (Part II) – by David Johnson with Kyle Lulofs

Happy New Year and welcome to the continuation of our discussion on India and the potential influence loyalty can have on consumers migrating toward digital commerce.

Embracing the New Payments Normal: Instant, Intelligent and Secure

The way people make payments is changing faster than any other area of financial services. Whether it’s that last Uber or Lyft ride, or the first trip to the Amazon Go store, your customers’ experiences in industries outside of financial services are driving new expectations when it comes to making payments.

Investing in Relationships – Using Resources Wisely

Recently, FIS launched its inaugural Retail Payments Summit as part of our annual FIS Connect client conference. Listening to so many clients discuss their successes, I was struck by how important it is for companies to invest in building relationships, not just solutions.

Maintaining Brand Identity as Payments Become Invisible by Kris Carrera

Contactless payments – widely used around the globe – are coming in full force to the United States. Tapping will replace dipping and swiping – a seemingly simple change for cardholders, many of whom are already tapping their phones at contactless-enabled terminals.

Is Loyalty the New Currency?

For over a hundred years, loyalty programs have changed the way consumers interact with the companies from which they purchase products and services.

ISVs Integrate Payments to Achieve a Holistic View by Sri Kothur

Today’s independent software vendor (ISV) market resembles the Wild

Loyalty Innovation Provides a Competitive Edge

What could other types of retail outlets use a real-time, POS-based customer rewards program to improve engagement? Immediate response and gratification are the expectation of almost every modern consumer. In the world of Amazon Prime, a survey by A.T. Kearney last year found that only seven percent of people reported that they were willing to wait six or more days for a delivery.

Loyalty Programs Evolve to Meet Changing Consumer Preferences – by Mladen Vladic

Loyalty programs remain an important tool for merchants to attract and retain top consumers. However, traditional programs – those where currency comes in the form of points or cashback – no longer work the way they once did. To motivate modern consumers, you must integrate with their lifestyles and that’s where technology can help.

Machines Are Key to Creating, Growing and Maintaining eCommerce Relationships by Sri Kothur

While ecommerce only accounts for about 10 percent of total retail sales

Making Payments Pay for Your Business – by Ernie Buday

Payments are the most relationship-oriented and offer the most frequent interactions with customers of all products offered by financial institutions. This is especially true as we continue the migration to fully digital payments. Yet, many financial institutions are leaving money on the table when it comes to payments.

Managing Card Compromises – Not One Size for All by Jennifer Gardner

It is a familiar story: a merchant database is attacked; an unknown number of cards are compromised and all cards are reissued. No one wins – the cardholders are inconvenienced and the card issuer pays the price – but the fraud, at least, is mitigated.

The 5 Unavoidable Market Forces Driving Convergence in the Evolving Payments Ecosystem by Serena Smith

Payments convergence is presenting payment providers with new opportunities and pressures. Revenue is shrinking for many, but payment speed, volumes and processing complexity continue to increase.

Market Segmentation: The First Step in Achieving Product Profitability by Sandra Blair

Market segmentation is based on the premise that companies don’t have sufficient resources to be everything to everyone.

Members Love Their Credit Unions, But Still Look to Banks and Other Financials…Why? by Maria Schuld

How a hyper-collaborative approach brings fluid flexibility to product releases.

Minimizing Risk to Maximize Return on Your Product Rollout

Financial institutions must work to understand how a product could fail, proactively address those risks and fully consider the needs of the customers for whom the product should have been designed.

Mobile Apps Give Instant Gratification in an On-Demand World: Part 1

The new, on-demand economy in the United States relies on a broad and highly engaged base of consumers attracted by mobile app technology, seamless payment transactions, customer convenience, and immediacy.

Mobile Wallets to Boost Convenience for EBT Recipients

Mobile wallets for EBT will support more convenient access to benefits for people who often have accessibility problems and help people optimize the limited funds they receive.

Highlights from the Best Retail Conference of the Year – The 2018 NRF Big Show! – by Dan Peacock

This year’s National Retail Federation (NRF) Big Show was particularly strong when it came to discussing how to shift your future to meet the needs of your customers. Here are some highlights of the event I thought were particularly interesting.

New Types of Loyalty Rewards Boost Cardholder Acquisition and Retention – by Mladen Vladic

Competition for credit card customers is heating up. To stay ahead of the pack, issuers are reinvigorating their programs with new loyalty rewards that reduce friction in communications, engagement and redemption experience.

Shed the Prepaid Stereotypes for New Possibilities – by Ernie Buday

Convenience and the ability to limit risk have dramatically expanded the draw for prepaid products.

Omnichannel at the Core of the Digital Bank Target Operating Model – by Kris Carrera

The environment in which banks operate today is increasingly complex, where fundamental definitions of how customers interact and experience a bank are being totally rewritten.

Easing the Path to Purchase with Customer Journey Mapping – by Dan Peacock

In a competitive environment where market share is driven directly by the customer, improving customer engagement is vital to develop lasting relationships.

Omnichannel Strategies For Merchants

Payments don’t deliver omnichannel strategy, but the ease with which they can be made is key to omnichannel success. So how can payments support a seamless omnichannel strategy and frictionless customer experience?

Open Up to Stay Relevant by Bruce Jennings

Today’s banking customers no longer compare financial institutions themselves. They compare experiences.

A Path to P2P Revenue by Mike Kresse

Person-to-person (P2P) payments are growing in popularity. While that’s driving financial institutions to compete and offer it, P2P comes at a significant expense.

Payment Processors & the “Nines”

As a payment processor, we've assumed that any cash equivalent payment – debit cards, prepaid cards & EBT cards – should be as reliable and immediate as cash.

The Year in Review: How the Payments Ecosystem Evolved – by Jim Johnson

This year was predicted to be a time of focused transition in the payments arena. FIS’ EVP of payments, Bruce Lowthers, said he expected companies would change direction from chasing the latest technology trend to focusing on connecting innovation to consumer value propositions.

Re-engineering for Consumer Expectations – by Jim Johnson

Two important shifts recently occurred in the United States: Gen X surpassed baby boomers in spending power and Millennials became the largest segment of the workforce.

Payments Summit 2018 – Empowered Success!

This past week in Orlando, FL was a whirlwind of client meetings, breakout sessions, special speakers and events, and an overall great time at the 2018 Payments Summit at FIS Connect!

2019 Look Forward: Payment Transformation Keeps Up the Record Pace by Jim Johnson

As a runner and history buff, I’ve considered how it took decades

Line-Busting Technology: The Waiting Is Over

Consumers in a hurry often avoid restaurants where they’ve experienced a long wait when paying their bill.

Personalization and Credit Cards are Changing the Face of Credit Unions – by Kris Carrera

Once regarded as the preserve of lower-paid families who would otherwise struggle to obtain a mortgage or bank account, the credit union market is booming.

Prepaid NOW: The New Bank Account – Webinar with FIS and Aite – by Payments Leader

Watch the Prepaid Now: The New Bank Account webinar and use the password FISrecording2018 when promoted.

Rethinking Easy Money Through Prepaid by Jerry Uffner

Despite years of predictions about its demise, prepaid continues to gain momentum. Increasingly, millennials, Gen-Xers and those in new markets are turning to prepaid as a frictionless way

The QR Code Resurgence: How Street Vendors in Asia Lead the Digital Payment Revolution

Asian economies have surpassed supposedly more advanced markets in the number and value of mobile transactions and it’s all thanks to QR codes.

Beyond Instant P2P – Real-time Payments for Retailers, SMEs and Businesses

Real-time payments – systems that transfer and settle transactions almost instantly – are becoming the norm worldwide. Numerous countries already offer well-established services, and more are under development.

Reinvigorating Your Digital Strategy

Get your digital game face on – added-value marketing with a sense of fun

Differentiate Your Brand and Reward Your Customers with Financial Education by Maria Schuld

Consumers’ financial aspirations do not meet reality, as the 2018 FIS PACE™ report firmly demonstrated.

Retailers Combat the “Amazon Effect” with New Technologies by Dan Brames

Amazon has quickened the pace of retail evolution and redefined the retail landscape, just as Walmart did decades ago when it moved onto Main Street.

Is POS Headed to the Graveyard? – by Dan Brames

Large sums of money have been applied to securing and speeding up payments at the point of sale – implementation of EMV and investment in NFC, for example. Juniper Research predicts that more than half of global transactions and one-third of U.S. transactions will be contactless by 2022, requiring more investment in POS technology.

Contactless Payments Reboot: Get Ready, Get Set

From retail stores to mass transit systems, the use of contactless payments is on the rise, but there are still many merchants and card issuers that have yet to adapt.

Augmenting the Retail Reality In-store and Online – by Dan Peacock

Retailers don’t have to sit back and watch as their customers leave their stores to buy online or via digital channels.

Revolutionizing Retail with Wearables

New wearable technology represents the POS frontline

Reinvigorating Education Through Rewards – by Trevor Mast

On the surface, the growing number of reward schemes being introduced into educational establishments may seem somewhat trivial. While you may be tempted to ask if students will start receiving medals simply for showing up, these schemes are intended to improve the entire educational ecosystem

Serena Smith Named One of the Most Influential Women of the Year

Serena Smith has been named one of PaymentsSource’s Most Influential Women of the Year!

Sharing Funds Across Families, Groups and Small Business with Prepaid & Mobile

Companies of all sizes have daily needs for which employees must purchase goods and services. But transferring the funds so that expenses reconcile quickly and efficiently has been anything but easy.

Shopping in the Moment with Contextual Me-commerce

Retailers put their efforts to compete against the e-commerce giants, their survival may depend on using online & mobile to better know who their customer.

Six Steps to Enable A Successful Product Launch by Sandra Blair

Across industries, one-quarter of revenues and profits come from launching new products and services, according to McKinsey & Company. However, failures rates of launches remain high – around 40 percent – regardless of product complexity or the amount of money spent on introducing a new product.

Why Are Card Based Authentication Technologies Not Gaining Traction? – by Bastian Knoppers

While EMV chip cards were designed to reduce card-present fraud, combatting card not present (CNP) fraud remains a problem for merchants and issuers.

NEXT ARTICLE Merchant Service Hubs: The One-stop Shop for Small Business Owners

From managing the books to social media marketing, small business owners have a lot on their plate. Learn how merchant services hubs can benefit small business owners.

Smart Card Alliance Features FIS Senior VP, Bob Woodbury

In this first issue of 2017, Smart Card Talk spoke with Bob Woodbury, senior vice president of FIS.

Smart Payments: An Imperative for IoT Lifestyles

The tasks consumers can ask voice assistants to perform continues to grow as manufacturers & service companies integrate skills into a wide range of products.

The Changing Face of Retail Marketing in a Digital Marketplace

The digital marketplace has created a new breed of retail consumers and merchants have never been more challenged to reach them.

Revisiting Streamlined Expense Management with Prepaid Cards

We turned out to be correct when we described opportunities available in the market for prepaid as an expense management solution, last year

The Path to Collaboration by Brian O’Neill

When collaboration works well, companies win big through improved client experiences, engaged workforces, higher productivity, faster decisions and more agile product development.

Target Operating Models to Get Your House in Order – by Kris Carrera

A solid foundation is as important to your house as it is to your financial institution.

Delivering a Frictionless, End-to-End Consumer Experience – by Dan Brames

Creating a frictionless consumer experience requires more than ease of payment at the point-of-sale.

The Art of the Invisible Payment

Invisible payments are quickly becoming mainstream, with a variety of approaches designed to make paying invisible and effortless.

The Future of POS – From Payment Origination to Business Management Tool

Modern POS systems have changed radically from simple card readers to a vital piece of the in-store retail experience.

Three Big Drivers of the Payments Revolution: Lean In or Lose Out by Dondi Black

From global markets to Mainstreet U.S.A., the payments ecosystem transformation is happening at a quickening pace driven by a variety of factors including changes in regulations, emerging technologies, and shifts – sometimes subtle, sometimes dramatic – in consumers’ attitudes and behaviors.

EBT Eligibility: Three Steps to Fight Fraud from the Get Go

Although the number of cases continues to drop, fraud among supplemental nutritional assistance program (SNAP) beneficiaries, there are still challenges when it comes to verifying EBT eligibility. Learn about these three helpful steps on how EBT processors can fight against EBT eligibility fraud.

To Beacon or Not to Beacon

Beacons allow merchants to send deals, & advertisements to a customer's smartphone based on their location. They also help collect consumer shopping data.

Thoughtful Leadership: Top Banks Do the Right Thing for EBT Recipients

Did you know the average EBT cardholder only receives about $125 monthly in supplemental food benefits – about $1.40 per meal? Or that the average ATM surcharge is about $3 – two meals worth?

Where to Start to Transform and Modernize? Revisit Your Strategy

Among the many discussions about how to modernize and transform companies in response to disruptive forces, Dell EMC CTO John Roese states that the IT industry faces a critical transitional phase:

Convergence in the New World of Unified Payments by Bruce Jennings

Old payment mechanisms may never die. But the digital revolution has created ever-increasing numbers of mechanisms.

A Unique Loyalty Promotion to Differentiate Your Brand

Customer loyalty is important to any brand, but the soft benefits of some customer loyalty programs & promotions leave lasting advocacy and positive word of mouth.

Upselling Through Prepaid

Encouraging prepaid customers into a lifelong banking relationship

Welcome aboard! Navigating leadership

Ships come in all shapes and sizes and serve many different purposes. That said, there is only one ship that you build, operate and most importantly, navigate – that is your leadership.

What’s Up with Your Social Media Presence That You Don’t Know About?

How do you keep track of your company’s social media presence?

Why Your Gift Card Program Needs a Christmas in July

Most merchants don't start their holiday gift card program until the after school rush. To truly take advantage of this opportunity, merchants should start now!

The Fast-Closing Window for Going Digital – by Bob Legters

Almost half of the banking customers already can be considered digital-only, according to The Financial Brand.

Want to Retain Valuable Women in Your Company? Start at the Grassroots

Women are exiting the financial services industry faster than men, & faster than they leave other industries. What is being done to stop this trend?

Is Zelle the Payment Platform to Keep Banking Providers in the Game? by Mike Kresse

Growth of person-to-person (P2P) payments shows no signs of slowing.

Financial Institutions Go Open with API Hubs

An Open Application Program Interfaces (APIs) Hub is key to delivering exceptional customer experiences. Learn why this is the foundation for better customer service.

Three New Reasons Direct Banks Are Dominating

New data shows that direct banks outpace competitors when it comes to customer satisfaction -- but what makes that customer relationship so unique?

Multi-layered and Interlaced Digital ID’s are an Easy, Secure Way to Identify Customers by Matt Collicoat

Multi-layered and interlaced digital ID's are an easy, secure way to identify customers. Learn how this technology is shaping the new world of payment technology.

How New Data Control Changes Will Impact Banks and Consumers By Bob Legters

In the past year, topics surrounding consumer controls and how data can be used came front and center.

Latest Trends in Retail Payments Puts Consumers in the Driver’s Seat by Ernie Buday

To stay competitive, retailers are shifting their investment strategies from growth via new stores to big investments in new digital-first sales models.

Client Enablement Onboards with Agility by Michael Tostrud, FIS SVP, General Manager of Client Enablement

Innovations from fintechs have greatly expanded the array of choices for both consumers and businesses.

Artificial Intelligence & the Fight Against Card Fraud

Machine learning and artificial intelligence are two tools being harnessed in the financial world to protect consumers from fraud. See how fraud prevention is changing.

FIS Connect 2018 and Payments Summit: How FIS is helping to empower our clients’ success

In case you could not attend FIS Connect 2018 and The Payments Summit, you missed one of the financial industry’s most informative learning and networking events. If attendance is one measure of success, this year’s Connect set a record with more than 3000 clients, partners and FIS employees congregated during the week of April 9 at the Swan and Dolphin Resorts in Lake Buena Vista, Florida. Client attendance increased from 2017 by 31.2% and overall it is up by more than 150% since 2016.

FIS experts address fraud trends, best practices for prevention at FIS Connect

As the payments ecosystem becomes faster, smarter and more open, financial institutions must be armed with a predictive, proactive and accurate fraud prevention strategy. At FIS Connect 2018, our experts shared the many risks financial institutions must be prepared to protect against, based on the latest fraud trends, including:

FIS Merchant Solutions Business Research Report: Seizing opportunities to satisfy unmet business needs

Small to midsize businesses (SMBs) are a critical part of the global economy. But to remain competitive with larger corporations and direct peers, they need cost-effective merchant processing solutions that arm them to securely process customer payments, streamline accounts receivables and payables, and drive repeat business.

Five tactics for credit unions to include in their fight against fraud

A successful fraud-fighting strategy requires credit unions to develop a holistic playbook to mitigate risk. As predicted with the transition to EMV chip cards in the United States, card present fraud is on the ropes but, card not present (CNP) fraud continues to rise as more consumers shop online. A new study by Juniper predicts that retailers will lose around $130 billion in digital CNP fraud between 2018 and 2023.

Flavors of fast 2017: where payments meet life

The world of real time payments is here, for consumers, SME and corporate clients. It is no longer a question of whether to embrace immediate payments, but, more imminently, when and how. Now in its fourth edition, the Flavors of Fast report examines how payments are evolving, with local-eye views of innovations emerging in various countries around the world.

For Thai banking customers, aspirations more important than transactions

Our FIS PACE research shows that there is a great deal of opportunity for Thai banks to help consumers plan and save for life events and realize their financial aspirations.

Four key questions to help shape your successful direct bank strategy

We’ve shared the five business reasons direct banks are popping up everywhere. We’ve told you that direct banks are forecasted to attract more than 50 million new deposit customers by 2020. But how do you make the leap from thinking you could benefit from a direct bank model, to bringing a successful one to market?

From the Jetsons to Alexa: The future is now

Remember that TV show, The Jetsons? It was this fun, quirky show full of all these tools and technologies that seemed like science fiction. Fast forward a few decades and many of those imaginative items are a reality. Hello, Rosie the Robot – who is now Roomba!

FRTB: A sheep in wolf’s clothing or a catalyst for a Risk IT transformation?

It might be tempting to dismiss the Fundamental Review of Trading Book (FRTB) capital rules as just another regulatory burden. It will certainly be a costly one: Celent has estimated that the total implementation will cost a tier one bank between

General Data Protection Regulation: What does it mean for you?

The General Data Protection Regulation (GDPR) has been adopted by the EU and will come into force for all companies serving EU citizens in May 2018.

Getting closer to your customers with conversational banking

Online and mobile banking may have introduced amazing convenience for the customer, but they also removed much of the personalization from the banking experience. Conversational banking, which relies on chatbots and/or voice and text applications, has the potential to right this wrong and evolve digital banking beyond a purely transactional experience.

Racing towards the faster payments game

The Federal Reserve Faster Payments Task Force designated 2020 as the year that business and consumer payments in the United States should transition to real-time processing. However, there have already been several significant shifts towards adapting to this new payments ecosystem in the U.S.

Good news, credit card rewards lovers: Financial institutions are upping their loyalty game

Google “best credit card rewards” and you’ll get 387 million potential answers, including links to hundreds of websites dedicated to “hacking” reward programs to help customers earn the greatest amount with the least possible effort.

Goodbye legacy tech, hello ecosystems

Capital markets is a diverse and highly customized industry, and its technology is no exception. Even after decades of efforts to modernize, the typical capital markets firm’s infrastructure is still a patchwork of systems rife with duplicative data, diverse processes and varied technologies. These tangled webs of code are expensive to maintain, difficult to change and over time pose a real threat to both growth and sustainable profit margins for many market participants.

Have you met the modern prepaid user?

The prepaid user has evolved to include thriving millennials, dual-income families, business owners and young consumers. Prepaid solutions now feature the digital and mobile capabilities that are key to customer engagement, while empowering customers to manage their budgets, business demands and financial goals, on their terms.

Helping FinTech ideas come to life

With innovative technology so key to success in the FinTech industry, accelerator programs are helping promising startups connect with others, share ideas and bring their technology to market.

Hope, empowered

The 2018 InnovateIN48 Finals wrapped up on September 13 as teams competed against the clock with hopes of emerging as this year’s winners. The challenge? Use emerging technology to develop an innovative solution aimed at solving a social problem in the world today. This year’s challenge paved the way for an exploration into social issues that personally and emotionally hit home for our competitors. Focusing on solutions to do good for their communities enabled competitors to integrate their expertise into a development for social betterment.

How AI is Making Investing Smarter – and Richer

They say trading and investing is an art, not a science. Well, that could be changing. On a typical trading day, computers account for 50% to 60% of market trades.

How banks can attract millennials away from fringe alternatives

Millennials (18-36) are the most likely to turn to alternative financial services, notably person-to-person payments like Venmo but also high-fee services like check-cashing and short-term lending.

How banks can win in the age of the customer experience

In the age of the customer experience, bank modernization is critical. But bank transformation is complex, slow and expensive. In practice, it is more akin to a journey than a destination: banks are at different stages and each has individual objectives. But all banks agree that a flexible, digital architecture is fundamental to business success.

How Can Cards Stay Relevant as Payments Become Invisible?

Consumers have never had more options when it comes to payment methods, thanks to innovations like mobile wallets, wearables, QR code-initiated payments, and account to account payment options. But what impact do these new payment types have on card issuers and acquirers? How might they need to reconsider their current offering to ensure they continue to be perceived as a relevant, valuable and convenient payment type?

How Challenger and de Novo banks will drive the next wave of disruption

Recently, FIS published its UK-specific 2018 Performance Against Customer Expectations (PACE) study, showing that digital-first challenger banks and mobile only banks are handily outperforming other banks, with a 3.2 (out of 4) satisfaction rating among UK consumers. In the U.S., mobile only banks were second only to credit unions in consumer satisfaction with a 3.3 rating.

How creating a purpose-driven brand can empower your clients

“Let purpose be your driving force.” FIS Chief Marketing and Strategy Officer Ellyn Raftery talks with Financial Brand readers about the need for brands to align with societal causes that are important to younger generations to differentiate themselves.

How credit unions can benefit from AI in the loyalty space

Propelled by the need for speed, the desire to enhance customer experiences and mandates to reduce operating expenses, artificial intelligence (AI) is benefitting companies around the world. Financial institutions are no exception. Community banks and credit unions that embrace AI can increase market share and drive more cross selling of products and services within their existing customer bases.

How more than a billion people got access to financial services in less than a decade

About 1.2 billion adults gained access to financial services between 2011 and last year, the World Bank said Thursday, as the internet and mobile phones increasingly connected far-flung communities to the global financial grid.

How overlays and APIs are transforming the relevance of real-time payments

Whether they realize or not, most people have grown so accustomed to using APIs that they’re a fact of life to the modern digital user. The use of APIS has made the apps so many people rely on to find directions, transportation or communicate with other people and companies seamless, and simple.

How to Drive Growth in Your Industry

While market conditions vary across the buy side, sell side, insurance and banking, there is at least one clear commonality: a subset of firms that are growing significantly faster. What are these Readiness Leaders doing differently to set themselves apart from the competition?

How to learn to love Machine Learning

As automation moves to robotics, and robotics to machine learning – and eventually artificial intelligence (AI), the pace of change is challenging firms on multiple levels. Leadership is wondering which technologies will have the biggest impact; managers are rethinking how to organize their teams; and individuals are worried about whether these changes are a threat to their careers.

Ignorance may not be bliss when it comes to inheriting money

Just one in 10 U.S. consumers expect to receive an inheritance or wealth transfer in the next 10 years, according to the 2018 FIS Performance Against Customer Expectations (PACE) study. Specifically, just 9 percent of U.S. consumers aged 27-52 reported that they expect to receive an inheritance in that period. This is despite the nearly $9 trillion of household wealth and assets expected to transfer from Baby Boomers to Gen X and millennial Americans by 2028.

Immediate payments. Deeper customer relationships.

As consumers, our expectations around banking and payments are increasingly informed by the way we engage with other industries and digital services. Speed, context and openness need one another to create the relevant instant service and experience customers expect from a modern financial services organization.

InfoShare 2018: Empowering success

The conference, May 14 – 17 at the Walt Disney World Swan & Dolphin Resort in Lake Buena Vista, Florida, is a perfect blend of education and networking opportunities in an ideal forum to mingle with your business acquaintances and the FIS team.

InnovateIN48: Driving innovation from within

At FIS, we weave innovation into our cultural fabric. Continuous improvement is how we work daily. Innovation happens organically through evolving our products and services, through market-leading research investment, and through internal platforms and programs that challenge employees. We encourage our employees to be bold and innovative in everything they do, and nowhere is that more evident than in our competition.

Innovation empowering hope

FIS kicked off its annual global coding competition, FIS | InnovateIN48 in May and this year’s theme is one that speaks to the heart of our culture at FIS. In fact, it’s aligned with one of our five guiding principles. This year, our InnovateIN48 finals will focus on giving back: Empowering hope through innovation.

Investing in technology propels firms forward

Amid slim margins and changing trading ecosystems, tech is a competitive differentiator for buy-side firms. Investing in emerging technologies like AI, machine learning and automation empowers firms to rethink existing models, reduce risk and manage shrinking yields and margins.

Is distributed ledger technology right for me?

Distributed ledger technology (DLT), commonly known as blockchain, has attracted a lot of hype. But while it has many potential benefits, from efficiency to security, there are seven questions to ask before assuming it’s the right answer to your problem.

Is your institution prepared to fight the newest and emerging card fraud trends?

EMV (Europay, Mastercard and Visa) was officially introduced to consumers and merchants in the United States in 2015. It was created to combat payments-related fraud and enhance security measures for all parties involved in a card-based transaction before, during and after processing.

Keeping it clean: The power of clean data

Today’s tech-savvy consumers expect highly engaging experiences across all platforms and at every touchpoint. And delivering on their growing demands starts with clean data. It’s at the foundation of everything from chatbots and analytical reports to targeted marketing and alerts. If the data isn’t clean, chatbots can’t answer even the most basic of questions, analytics dashboards aren’t useful, digital marketing isn’t personalized, and alerts are inaccurate.

Keeping machine learning, artificial intelligence ethical for customers

Financial institutions can use machine learning applications to build a data strategy that becomes smarter and more robust over time. When used correctly, AI can reduce payment fraud, personalize customer experience, boost the relevance and profitability of rewards and loyalty offers, and determine credit worthiness and risk.

Keeping up with digital disruption in the small business market

In today’s digital-first world, there’s an app or online channel for just about everything. And in the lending world, we’re seeing this digital disruption out-compete traditional financial institutions (FIs).

Lessons in real-time payments from around the world

For the U.S., being late to the real-time payments game has some tactical advantages, namely the ability to learn from other countries' successes and failures.

Leveraging customer loyalty

Relevant, real-time rewards presented at the point of the sale boost consumer engagement and usage and improve the ROI of loyalty programs. Leveraging loyalty as a currency has a huge pay-off for both retailers and financial institutions. See how one millennial customer who uses multiple credit cards to maximize loyalty rewards changes his purchase decisions when presented with unexpected offers. Take his journey here.

“Must-haves” to win over SMBs

According to the recently published 2018 FIS PACE study on SMB banking, it’s clients of the top 50 global banks

4 considerations FIs should make before jumping on the AI bandwagon

Artificial Intelligence (AI) has transformative potential in financial services as it relates to both better business practices for providers and creating more personalized

4 mistakes to avoid when implementing robotic process automation

Robotic process automation (RPA) is the newest buzzword in the world of machine learning and AI. It delivers quick ROI and is non-invasive from an IT perspective.

AI helps restore time to the defender's advantage

Behind many cyber breaches is a common tool of the bad guy tradecraft: Malware. A play on words of Malicious Software, malware is commonly referred to as virus, worms or trojans.

Anxious about the Cloud? Don’t be

As I talk to our customers, I’ve noticed that many of them are more open to using the cloud for mission critical activity. This is borne out by the findings of this year’s

APIs aren’t supposed to solve financial institutions’ problems…

Compared to the U.K. and elsewhere, U.S. banking providers’ adoption and use of APIs has been advancing far more slowly. While some of the largest financial institutions are rolling out partnerships and developer kits, most FIs remain on the sidelines.

Are cybersecurity risks holding back digital innovation and growth?

As the financial services industry continues to embrace digital disruption, cybersecurity risks continue to be a rising concern. In fact, our

Artificial intelligence can save issuers' customer relationships

When it comes to money, customers want easy access. With 90% of transactions already taking place online, customer demand is shifting toward convenience.

Automation key first step in moving towards AI and emerging technologies

Driven by a growing number of partnerships between financial institutions and fintech providers, revolutionary robotics software and advancements in artificial intelligence (AI) are helping front, middle,

Banco Popular

FIS recognized Banco Popular North America as one of its winners of the company’s inaugural FIS Impact Awards.

Banking on analytics: Why data is your secret weapon

“Most financial institutions know they have useful information housed somewhere in their data – but don’t know how to find it,” says Gautam Vyas, Group Executive, FIS Payments. In our latest position paper

Banking on cybersecurity

Cybercriminals are targeting financial institutions (FIs) with increasingly sophisticated methods and that could be costly for banks and financial institutions. Victims of fraud are almost

Beyond data sharing, open banking boosts omnichannel payments

In Europe the move to open banking has been driven by regulations such as the revised Payment Services Directive PSD2 and General Data Protection Regulation (GDPR), which compel banks to open their core systems to allow customers to control and release their data to third parties delivering added-value services.

Big tech vs. fintech

Big tech companies such as Amazon, Apple and Google have enormous capabilities to deal with individual consumers and process vast amounts of information. They have already transformed consumer purchases and payments, and appear to be on the cusp of a broader expansion into consumer finance – potentially disrupting consumer banking and shifting the landscape for technology providers in that space. FIS is actively engaged in this change. In 2015, for example, we marshalled our scale to mass enable mobile payments for more than 200 financial institutions.

Blockchain: Coming soon to a function near you

Last month, my colleague Tony Warren blogged about the five technologies that are reshaping financial services

Branches are alive and kicking

Banks may be closing branches in developed countries, but in emerging markets they are opening new ones, writes Brian Caplen.

Breaking down cybersecurity barriers

Banks may be closing branches in developed countries, but in emerging markets they are opening new ones, writes Brian Caplen.

Collaboration & creativity fuel innovative solutions at FIS|InnovateIN48

On September 14, I had the privilege of working with a distinguished group of IT professionals to determine which of the teams competing in the finals of FIS’ global development competition, FIS

Community banks can meet digital banking needs with open banking APIs

To compete with large national banks and maintain a competitive advantage, community banks need to collaborate with fintech partners who can help integrate new technologies that result in greater efficiencies

Complex corporate cash management can be made simple

Disparate accounts and disjointed processes cost corporates directly and indirectly. They limit visibility into cash management and inherently lead to greater risk of payments fraud—especially as the payments ecosystem becomes faster and more open. Yet, nearly 60% of corporate finance and treasury professionals surveyed by FIS have more than 100 bank accounts.

Could a full-service IT/AI bank devoid of human interaction be in our future?

The promise of total digitalization in banking is fast becoming a reality thanks to artificial intelligence (AI) and machine learning solutions designed to better serve clients

Cybercrime: It could happen to you

Organizations dismiss the danger of cybercrime for a number of reasons. They think no one would bother to target them since they’re not big enough. Others may feel that they’re protected because their cybersecurity practices pass the annual audit or assessment.

Dana Inc. recognized as Impact Award winner

Dana Incorporated, a world supplier of drivetrain, sealing and thermal-management technologies, was recognized for its successful implementation of FIS’ corporate liquidity credit and collections solution in its Accounts Receivable Department. The solution has allowed the department to reduce

Data analytics: The gold mine of customer information

Financial institutions are increasingly mining their own data to capture actionable insights from their customers. However, the challenge to manage the tremendous flow of data they have available remains.

Data control changes are in the air. What does it mean for banks and consumers?

In the past year, topics surrounding consumer controls and how data can be used came front and center. First there was

Determining the case for a two-speed IT architecture

In today’s digital world, traditional banks must find new ways to compete while controlling costs. Digital business models have become essential to offer a truly personalised service, provide

Digital a priority for UK banking consumers

UK bank scores are generally improving against expectations, there is increasing demand for a new level of digital service. Consumers across all generations want to better connect with their banks at their convenience, at any time and from anywhere. Millennials are leading the way

Digital options a priority for Australian consumers

Australian consumers across all generations want to connect with their bank providers at any time and from anywhere. And while millennials are leading the way with digital, Gen Xers and baby boomers are fast followers. In fact, more than 45% of all users in Australia are using mobile devices

Digital tools are coming for high-net-worth clients

High-net-worth clients tend to want more of a hands-on experience from their advisers and bankers, which has historically limited the development of digital tools for those customers.

Digital transformation should be key initiative for banks

It is now a clear business directive and essential for bringing new products and services to this digital-first world. At the heart of any digital transformation is the revitalization or replacement of legacy core systems. All other emerging technologies and IT priorities—analytics, digital, the cloud—are dependent on the underlying data and processes of the banking core.

Digital-first, on demand solutions drive direct banking growth

Squeezed by megabanks on one end of the spectrum and nonbanks on the other end, community banks look for ways to compete for new revenue streams and new customers.

Discover the Benefits of Blockchain

In what is being heralded as the biggest generational wealth transfer ever, an estimated 45 million U.S. households will pass down $68 trillion to their children over the next 25 years. And Gen Xers and millennials are expected to gain the largest part of that share, making them a crucial segment for banks and financial institutions (FIs) to attract and retain.

Drive growth in your commercial portfolio with an automated, integrated receivables solution

Optimizing liquidity has become increasingly important to commercial clients to improve operational efficiency, realize cost savings, improve risk controls and manage the challenges presented by the disparate systems many companies still struggle to maintain.

Embracing blockchain: A differentiator for readiness leaders

The FIS Readiness Leaders are adopting emerging technologies ,like blockchain, to accelerate growth. Learn more in our

Financial Inclusion Requires More than Being Banked

The good news about financial inclusion is the steady decline in unbanked adults in the United States (U.S.) to only 6.5 percent of households in 2017, according to the

FinTech propels small business banking into the future

As the preference for digital is becoming more prevalent, especially among small and midsize businesses, financial institutions are turning to cutting-edge digital tools to build closer relationships with SMB customers.

First Citizens National Bank

FIS recognized First Citizens National Bank as one of its winners of the company’s inaugural FIS Impact Awards.

First national bank of granbury

FIS recognized First National Bank of Granbury as one of its winners of the company’s inaugural FIS Impact Awards.

Machine learning powers new insights for financial services industry

If you have not heard, for the last 20-30 years, the Financial Services industry has been analyzing data using Machine Learning (ML), Artificial Intelligence (AI), Deep Learning, and Data Science. We as an industry invented and improved training techniques and models that have helped us understand the types of problems

Making the case for contactless payments

When it comes to contactless payments, research shows that consumers, issuers and merchants all benefit from their use. Consumers enjoy added convenience, speed and ease of use of “tap-to-pay,”; while issuers and merchants enjoy faster transaction times, increased spending per transaction, lower operational costs and penetration into the cash payment market.

Millennials look to banks for help improving their financial health

Just as they look to the hardware store for help learning to use a hammer, millennials now expect their banks to help educate them about financial matters. The FIS 2017 PACE Report found that throughout the world, millennials want a more advisory and less transactional relationship with their banks.

Millennials really want financial advice. So, give it to them.

Millennials, after a slow start, are now accumulating wealth and entering more complex life stages, and that’s reflected in their growing interest in financial planning. According to a new survey by Guardian, 87% of millennials say if they knew more about financial products and services, they would feel more confident about reaching their financial goals.

Mobile, digital and customer satisfaction: An international snapshot of PACE results

For the fifth year running, we surveyed consumers in the UK, Germany and India to discover how banking providers should adjust their strategic plans and tactical investments to better attract and serve retail customers, from millennials to baby-boomers.

The five technologies shaking up financial services

Only 24 percent of financial services executives see emerging technologies as an opportunity, while a further 18 percent see it as a threat, according to FIS’ research into the growth readiness of buy- and sell-side firms. But these technologies are being adopted more quickly than many may realize, and we can’t stop them.

The fast track to faster payment ecosystems

The Federal Reserve Faster Payments Task Force aims to bring faster payments to consumers and businesses in the United States by the year 2020. Though our 2017 Flavors of Fast report counted 25 live global faster payments schemes, and 11 firmly in development, the arrival of a faster payments scheme in the U.S. marks a significant change for how consumers, corporates and financial institutions will experience money movement in the future.

The critical pursuit for innovation in fintech

All companies need to innovate to stay relevant and competitive, and to manage industry disruptions. Just look at Ford Motors; Ford used to be ‘just an automotive company,’ now they are looking to be a mobility company. The latter needs new core competencies, acquiring new skills and delivery models never seen before for an automotive company.

The coming year will mark the rise of frictionless card payments

Contactless payments were meant to be the second phase of the ongoing migration to EMV-chip cards in the United States, but the move to mass EMV adoption has been challenging for both financial institutions and merchants.

The boomer influence: Turning your best customers into your strongest advocates

In what is being heralded as the biggest generational wealth transfer ever, an estimated 45 million U.S. households will pass down $68 trillion to their children over the next 25 years. And Gen Xers and millennials are expected to gain the largest part of that share, making them a crucial segment for banks and financial institutions (FIs) to attract and retain.

The 5 unavoidable market forces driving convergence in the evolving payments ecosystem

Payments convergence is presenting payment providers with new opportunities and pressures. Revenue is shrinking for many, but payment speed, volumes and processing complexity continue to increase.

Surprise! Millennials are terrible with money.

More than half of millennials identify as being financially unhealthy. But when they turn to their primary banking provider for help, it often does not go well. Young millennials (ages 18-25) especially have difficulty finding time to visit a bank branch and, when they do make it in the door, they can’t find someone knowledgeable to answer their questions.

Solving the Operational Puzzle: The 2019 Readiness Leaders Show the Way

The 2019 Readiness Report finds that certain firms are staying ahead of their competition, growing their revenues twice as fast as their rivals – even as the industry overall has improved its performance across six pillars of growth. So, what sets these Readiness Leaders apart?

Solving problems with the cloud

One of the recurring challenges for CFOs and CIOs is how to get to get more efficiency from their teams and infrastructure and deliver ongoing cost improvements. A great example of this is how to be smarter with the peaks and troughs of computing activity.

SMBs lead the charge for digital payments

The FIS 2017 PACE Report found that small-to-midsized businesses (SMBs) are adopting person-to-person (P2P) payments at more than three times the rate of everyday consumers. According to PACE, 40% of SMBs reported using P2P payments to pay a vendor or supplier in the past 30 days.

Seven New Year resolutions for FinTech success in 2018

As we jumpstart 2018 with new business goals and priorities, establishing a clear line to growth and success in the FinTech industry remains a top priority. Here are seven resolutions that can help you stay ahead of the curve and have a successful 2018.

Separating the best from the rest in asset management

The asset management industry is seeing a significant shift in focus, as asset managers have reduced their focus on operating margins in favor of growth initiatives. Our 2018 FIS Readiness Report found that 57% of asset managers say that acquiring new clients is among their top three growth objectives for the next 12 months

Robotics: Future-proofing productivity for asset managers

Emerging technologies like robotic process automation (RPA) and artificial intelligence (AI) are changing how asset managers operate and provide value to investors. Wayne Riches, director of strategy and solution management at FIS, shares his view on how these innovative technologies can be applied in asset managers

Robotics: The new wave of digital labor

“Today we have people working like robots. Tomorrow we will have robots working like people.” John Cryan, CEO Deutsche Bank. In a world where machine learning and AI are driving innovative solutions in the fintech industry, robotics is a logical component.

Retail payments put consumers in the driver’s seat

Retailers are reacting to rising consumer expectations about getting what they want and getting it on their own timeline. Recently, Amazon announced its plan to invest $800 million in Q:2 to begin cutting two-day Prime delivery in half with hopes of expanding the range of product consumers will buy online.

Reimagining the role of banking in a micro-business economy

A robust banking industry needs a thriving small business community, and vice versa. In the U.S. today, sole proprietorships and micro-businesses make up 92% of all businesses in the private sector. Still, this group remains underserved by their financial services providers.

Reality bites: Is your confidence misplaced?

Do you feel more confident about your growth prospects than you did last year? If you said yes, then you’re not alone. When we surveyed more than 1,500 decision makers across the buy side, sell side and insurance for the 2018 FIS™ Readiness Report

Putting bots to work in the world of finance

Artificial intelligence and robotic process automation (RPA) are moving from experimentation to real-world application, helping financial institutions cut costs and transform customer service models.

Private equity firms are betting on tech in 2019

At least 25 percent of private equity firms plan to enter or launch new business lines or products within the next 12 months. General partners (GPs) who want to grow in what is already a hypercompetitive market are focusing on two things: talent management and providing the best client experience.

Payments modernization simplifies cash management

Payments modernization creates new opportunities for corporations to use open, instant and agile financial platforms to reduce the complexity and inefficiency associated with critical tasks like payroll

PACE 2018: The next phase of mobile banking

FIS is gearing up to publish the findings of its 2018 PACE (Performance Against Customer Expectations) research next month and one thing is clear: Banks need to evolve their thinking about mobile banking.

Overcoming the barriers to effective real-time payments

It is fair to say that real-time payments have come of age. Worldwide, the number of real-time payments programs has grown exponentially over recent years, rising from 14 in 2014 to 40 in 2018 with a further 16 programs expected to go live soon. It is increasingly apparent that we live in an age where instant gratification is king.

Open APIs: The latest in the open-banking ecosystem

Banks and financial institutions are embracing open application programming interfaces (APIs) to increase the pace of customer-focused financial innovation and to better compete with alternative fintech providers.

Omnichannel will define future banking leaders

Digital continues to drive customer expectations, and omnichannel will be a key differentiator for financial institutions. Yet, the complexity of omnichannel delivery combined with the state of legacy systems in most financial institutions

New regulatory rollbacks fuel growth opportunities for U.S. financial institutions

The Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155), more commonly referred to as the Act, or EGRRCPA, is considered by most in our industry as a winning legislation for credit unions and community banks.

Move over digital. Customer experience now a key differentiator

In 2018, mobile eclipsed online as the primary banking channel for consumers. In fact, in 2019 the gap widened. Today, 73% of all consumer banking interactions are digital. The point? Digital banking is no longer a trend.

The many dimensions of blockchain

Distributed ledger technology (DLT) – generally referred to as blockchain – is picking up steam in terms of both enthusiasm and potential adoption. As discussed in my last blog, there are a number of areas where it can be quickly implemented and quickly show results.

The next evolution of the broker-dealer

Just as the retail space has shifted from brick and mortar stores to online storefronts, consumers today are being presented with an increasing array of options when it comes to investing.

The only resolution banks and credit unions need to make in 2019

Tis the season for New Year’s resolutions--and that’s just as true for banks and credit unions as it is for their consumers. While most financial institutions will start 2019 with a laundry list of key initiatives and goals to pursue in the coming year, there’s just one resolution they need to make to lay the groundwork for success: commit to growth.

The Readiness Leaders maintain their edge

Our second annual FIS™ Readiness Report reveals that financial services firms have improved their scores against six key pillars of growth. Yet the Readiness Leaders are still growing nearly twice as fast as their peers. How are they doing it?

The road map to accelerating growth

Our survey of more than 1,500 senior decision-makers from around the world reveals that the top performing firms – the Readiness Leaders – are not just growing twice as fast as their peers. They’re also more likely to be reaping tangible benefits from their investments.

The robots are coming

Senior leaders who take a longer-term outlook on embracing emerging technologies such as blockchain, robotics process automation and artificial intelligence (AI) can create a compelling new value proposition for their customers.

The surprising forces driving growth in prepaid

In a recent webinar hosted in partnership with FIS and Aite Group, we explored why prepaid has become the payment utility of choice for use cases that span consumer, business, corporate, healthcare, e-commerce and technology segments—and how they’ll collectively fuel continued growth in the prepaid segment beyond the year 2020.

The tantalizing promise of technology versus the terror of modernization

Many firms put aside the tantalizing promise of digital strategies and AI, reluctantly admitting that without modernizing foundational platforms, there is no groundwork for more transformative change.

Three new reasons direct banks are dominating

Direct banks have existed for decades but are quickly growing in popularity. From the higher-than-average deposit interest rates, fee-free accounts and convenience of a digital, self-service experience, there are plenty of reasons why consumers are attracted to this type of banking experience.

Time flies: See the difference less than one year makes in global faster payments

Five years ago, we created the first edition of Flavors of Fast, our annual industry report on the state of global faster payments. There were only 14 faster payments schemes in the world at that time, but we sensed it was the start of what would be a seismic shift in the payments ecosystem.

Transform your treasury: Corporate treasury rising to the cloud

FIS conducted a global survey of more than 100 treasury and finance professionals to ascertain cloud adoption rates, patterns and perceptions. Survey respondents represented companies from a variety of industries, sizes and geographic locations.

Using the dark web to your (cyber) advantage

The dark web is the part of the World Wide Web that is only accessible by means of special software, allowing users and website operators to remain anonymous or untraceable, so they can’t be found by search engines or using traditional browsers.

Welcome to the Age of APIs

Two of the hottest topics in global banking are Application Program Interfaces (APIs) and the Payment Services Directive II (PSD2), as they’re central to the Open Banking agenda and enable banks to innovate using their current systems.

What difference three decades make: The evolution of direct banks

The digital capabilities, customer experience and technology sophistication direct banks offer has changed significantly since the first iteration of direct banking—a telephone banking model that allowed customers to bank from home, outside of traditional banking hours--was introduced in the late 1980s.

What does the future hold for faster payments?

Over the past few weeks, we’ve demonstrated what a difference just one year makes in the world of faster payments. We’ve also explained how value-added overlay services and the use of APIs on real-time rails are driving the contextual relevance of faster payments, and inviting new use cases for consumers, corporates, governments, and the providers attached to the scheme.

What to expect (and not expect) from fintech in 2019

When it comes to fintech, there is no shortage of big bets on which new technologies will come to fruition. Over the years, fintech has transformed the financial services industry and shows no signs of slowing down in 2019. But change takes time.

What women's growing wealth means for banks

While I’ve witnessed myriad innovations in the financial services industry throughout my career, there is one area where banking has been slower to evolve: investing in women.

When did retail banking become the hare and treasury the tortoise?

Last night, while you were sleeping, billions in cash moved instantly from one bank account to another thanks to dozens of new payment schemes emerging throughout the world (see our in-depth Flavors of Fast research on the topic).

Flavors of fast 2017: where payments meet life

The world of real time payments is here, for consumers, SME and corporate clients. It is no longer a question of whether to embrace immediate payments, but, more imminently, when and how. Now in its fourth edition, the Flavors of Fast report examines how payments are evolving, with local-eye views of innovations emerging in various countries around the world.

Why banks should outsource IT

There was a time not long ago that the idea of outsourcing a bank’s IT department was a non-starter. The perception across the industry was that outsourcing was too costly, unreliable and unresponsive to emergencies.

Why being experience-obsessed is vital for banks and financial institutions

The early days of digital, when focus was simply on providing digital channels for customers, are long gone. Today’s customers want personalized interactions, simplified banking and access to their accounts through digital technology.

Why SMBs are eager to accept digital payments

Small-to-midsized businesses (SMBs) are eager to accept digital payments—and they’re more than willing to invest to offer such options, according to the FIS 2018 PACE (Performance Against Customer Expectations) research.

Why some omnichannel initiatives fail (at first)

Delivering a seamless, consistent user experience across banking channels—a.k.a. omnichannel banking—has been a goal for retail banks in recent years. But for many, the result of these initiatives is an experience that is still fractured and uneven for both consumers and bankers.

Why technology is determining the winners and losers in the volatility game

From Twitter trends to trade wars, in today’s global economy everything has a knock-on effect. In a volatile market like 2019, where are the opportunities for firms?

Will you disrupt or be disrupted?

Leaders from institutions across banking, insurance and investment management agree: Financial services firms need to innovate for the digital age.

Will you unlock the potential of ISO20022?

Changes to financial market infrastructures for high-value payments and real-time gross settlement systems (RTGS) have already taken place in Switzerland, Japan, China and India; similar deadlines to adopt ISO 20022 as the new standard for exchanging payments in the United States, Europe, United Kingdom, Australia, Hong Kong and Canada are fast approaching.

With proper planning it’s possible to monetize your modernization investment

Among the many discussions about how to modernize and transform companies in response to disruptive forces, Dell EMC CTO John Roese states that the IT industry faces a critical transitional phase:

Women in FinTech: Bridging the gender gap

Not a surprising revelation when only about 20 percent of medium and large firm managers worldwide and only two percent of bank CEOs are women.

Seven Actions to Becoming a Revenue-driven Bank

Seven actions bankers can take to sustain a focus on revenue growth.

Locking in the Small Business Relationship

Small business financial solutions that accelerate accounts receivable processing, manage outbound payments and save owners time will lock in banks’ small business relationships.

Foundational Elements for Community Bank CRM Success

Customer Relationship Management (CRM) has evolved to add significant value community banks and executives must engage for CRM initiatives to achieve intended results.

Solving the Liquidity Challenge in Community Banks

Community banks need core deposits to fund profitable loan growth, a challenge that can be addressed by rapidly standing up a direct bank.

How a Data-driven Approach Drives Results, Engagement and Sustainable Growth

A glimpse into the best practices of a data-driven approach to financial services – how to transform, realign and get addicted to data.

Excel When Opportunity Knocks

Banks need to obtain the expertise required to consolidate acquisitions successfully.

Tired of Shiny Objects Losing their Luster? Try Following the TPC Framework

The TPC framework helps bankers avoid a never-ending loop of disappointing process reengineering initiatives and, instead, benefit from new technologies.

Why the Digital Banking Experience Needs to Rediscover Personalization across All Channels

Banks need to obtain the expertise required to consolidate acquisitions successfully.

The X Factor in SMBs and Banking

There’s no denying, small-to-mid-size businesses (SMBs) are big business. They drive local economies, generate two-thirds of net new jobs, and make up 98% of exporters and 97% of importers in the U.S. And according to the 2018 Mercator report, Small Business Banking: A Captive Audience, 61% of bank executives believe that SMBs represent their greatest growth potential.

Banking Modernization: Is It A Communication Breakdown?

The famous line "What we've got here is failure to communicate" from Cool Hand Luke (1967) serves as a warning shot in the current blitzkrieg of Digital Transformation for banks.

Technology Transformation: Seek the Best of Both Worlds

Core providers that combine traditional strengths with agility, creativity and innovation will best serve financial institutions as long-term partners.

New PSD2 Regulation Rings in a New Open World

Financial institutions are entering an era of new regulations that puts consumers in charge of their own data to improve privacy and drive innovation in banking.

Why Security By Design Is Essential for Every Financial Services Provider

Security breaches are a concern across industries, and no organization is immune to the impact of a breach, regardless of its size. Financial institutions, fintechs, card issuers and similar organizations that repeatedly and consistently handle a breadth of sensitive information are in a particularly precarious situation when it comes to security.

Merchants Can Now Deliver Faster CLO Payback to Customers

Card-linked offers with faster payback on benefits boost debit cardholder engagement with merchants processing their debit payments through the NYCE network.

Building a Business Case for Core Banking Targeted Modernization

Before a bank embarks on Core Banking Targeted Modernization, it needs to build a strong business case to justify the investment.

The Four Payoffs of the RegTech Approach

Regulatory change is about more than compliance; discover the four payoffs of taking the RegTech approach.

Are You Buying into These Cashless Payment Myths?

Learn how changes in payment technology now means some old financial beliefs no longer apply.

How Gen X and Small Business Banking Needs Converge

Gen Xers and SMBs share many attitudes and pain points about banking – how can banks can leverage this insight?

Why Small Banks Need Big Data Too

Learn how community banks can leverage their core transaction data and AI to acquire new customers.

Taming Digital Risk with Managed Services

Financial service providers invest to improve customers experiences through engagement on social media and digital platforms to promote solutions, extend new services, provide servicing and more. But along with increased digital engagement come new risks as fraudsters shift their attacks to digital theft of customer data

What Will 5G Mean for Banks?

It may be a few more years until 5G wireless technology becomes truly ubiquitous, but when it does, 5G will redefine our expectations for “normal” with all things wireless – including banking.

Cyber Security in the Age of Digital

The digital age creates opportunities but also the potential for cyber risk. Watch our video with FIS’ Dondi Black, VP senior product strategist, as she shares two key areas of focus for financial institutions.

The Progression of the Banker Experience

The banker experience should be role-based, provide advanced search and help decipher the bank’s customer’s sphere of influence.

PACE 2019: Churn Is Up – Find Out Why

New research from FIS shows that small and midsize businesses (SMBs) are less satisfied with their primary financial institution (PFI) than they were one year ago. In this first installment of our new podcast series, FIS senior vice president Steve Kane and banking consultant Gail Angel analyze the FIS 2019 Performance Against Customer Expectations (PACE) U.S. SMB Report.

Weathering the Evolving Real-time Payment Rails in the U.S.

How can banks take advantage of real-time payments in the U.S. and will it bring the revolution that has been promised to how the U.S. makes payments? Can banks jump in before critical mass is achieved and until services are truly ubiquitous?

Innovation for the People

When you think about innovation, what comes to mind? What new technology really excites you?

Realizing the AI Opportunity within the Bank’s Back Office

The high degree of manual back-office processing at financial institutions is slow and costly and can lead to inconsistent results and high error rates. Artificial Intelligence (AI) offers solutions that can rescue these back-office procedures from needless expense and errors.

Digital Treasury Technology Helps Banks with Regulatory Compliance

Moving to a digital treasury is key to helping bank treasurers manage regulatory compliance. Regulation never stands still. Banks are still implementing Basel III and Interest Rate Risk in the Banking Book (IRRBB), and now they’re facing the challenge of LIBOR. And there continues to be a steady flow of new reports and policy statements – not to mention varying interpretations across different jurisdictions.

PACE 2019: The Human Factor

In our podcast series presenting the U.S. SMB PACE results, we discuss why RMs give a 16-point boost to SMBs’ rating of their bank’s trustworthiness, how RMs influence SMB perceptions of technology and steps RMs can take to optimize SMB relationships.

How Banks Find Certainty in an Uncertain World

In our digital age, banks must shift their focus, and their solutions, to ensure delivering user experiences that meet or exceed customers’ expectations. Today’s customers view their relationship with their bank more as a personal relationship than a business one; and like most personal relationships, expect it to be built first and foremost upon trust.

3 Strategies for AI Success

FIS’ John Omahen discusses how to prepare your organization for the rise of artificial intelligence (AI).

The Community Bank Landscape is Shifting: Here’s Why Consumers Should Care

FIS’ Bob Legters shares the benefits of banking locally and why community banks remain so important to local economies.

Don't Compromise the Balance of Your Financial Close­ Description: For a faster and more accurate financial close, you should automatically validate accounts daily at transaction not balance level, with a powerful rules engine.

For regulatory compliance, accurate financial reporting and confident, strategic decision-making, finance and accounting teams must perform detailed monthly validation of their accounts. This process, the financial close, is critical to assuring data quality and limiting opportunities for fraud or irregular dealing.

Need to Grow Deposits Organically? A Direct Bank Levels the Playing Field.

Many community bankers still look at direct banks with a degree of scepticism and, in some cases, outright fear. After all, they have always grown deposits through one-time promotions or new product offers that create core funding upticks to fuel lending needs.

What’s Next for Real-Time Payments? Here are 5 Trends to Watch.

Real-time payments growth continues to accelerate around the world and the investment in ‘Paymentech’ has never been higher with venture capitalists betting big on payment entrants in the $1.9 trillion industry. The revolution is still very much in its infancy with more investment required to make the global transition to real-time payments a reality.

Five Megatrends for the Future of Data

People are demanding more from their data. Beyond knowing what happened, they want to know why it happened and what to do next. They want prescriptive guidance and analytics.

How Rejecting Established Myths Empowers Banks to Face Reality Head On

Many common myths exist in the world at large – we’ve heard the anecdotes, and without evidence to discern truth from myth, many of us tend to believe and accept them as fact. As it turns out, these same tendencies can also manifest with our own banking industry mythology. In this blog, I will attempt to dispel a few banking industry myths by comparing them to common folklore – stories that we’ve all heard, and very likely were more than willing to believe.

Increase Your Card Revenue with an Automated Marketing Program

Automated marketing engines can conquer a variety of marketing challenges and enable financial institutions to earn previously untapped revenue.

Sheltered Harbor: Protecting financial institutions against cyber risk

The risk of cyber-attacks continues to increase. The Sheltered Harbor Program protects the U.S. economy in the event of a cyber-attack on the nations’ financial institutions. It was created by the industry to protect the industry.

Podcast: PACE 2019: Stop Talking Digital – Start Talking Experience

In our podcast presenting the U.S. SMB PACE results, we discuss how mobile app use has changed in the past year and how banks can address SMBs’ pain points.

Hybrid Design Leveraging Native Controls Optimizes Mobile Banking

Optimizing mobile banking interactions pivots around two factors – tapping into native capabilities by leveraging existing platform standards and then extending capabilities through hybrid features.

How to build a culture of innovation

FIS’ Randy Guy discusses the cultural change and evolution needed to drive innovation across an organization

Data without borders

Data and computing are under constant disruption, but barriers to success remain. Here’s how to break down the walls to big data adoption.

Creating Value with Data Currency

Banks need to understand changes to customers’ data on a near-real-time basis.

Turn to Microservices for a Major Impact

FIS’ Dan Travers explains how microservices and open source allow banks to quickly update their tech and create new products. Watch his video and learn how to house independent modules and services for individual products on the same platform.

Improving Days Sales Outstanding with Artificial Intelligence

Leveraging AI in the credit and collections process can help companies improve DSO.

Digital Assets: The Building of a $10T Market

Digital assets are in the headlines but not in the mainstream. FIS’ Andrew Bateman explains what the market needs to mature.

Three ways ISO 20022 can make you a stronger bank by Nov. 2021

Learn how financial institutions can develop a strategy to meet fast-approaching cross border migration deadlines while also reaping the additional business value ISO 20022 brings.

How Sheltered Harbor works to protect financial institutions against cyber-attacks

Data vaulting, resiliency planning, and certification are three core elements of Sheltered Harbor that safeguard your data systems.

Finding Missed Opportunities in Corporate Payments

Our 2019 Corporate Payments and Bank Connectivity Report found corporations are increasingly adopting digital capabilities and payment factory and bank integration solutions to make their payments future-ready. Here’s a snapshot of our key takeaways.

Eight Reasons Why You Should Care About SaaS

What is Software as a Service (SaaS) – and why should you consider it for your business?

Core Banking Modernization: Building a Successful Business Case

Building a successful business case is an essential first step in any bank’s modernization journey. This white paper focuses on the types of qualitative and quantitative analyses that banks should perform in order to develop a sound business case; the results of the findings help drive the identification of the appropriate modernization theme, justifies the bank’s investment in core banking modernization, and helps achieve buy-in from stakeholders.

The Joy of Decoupling – Why Banks Need to Become Event-driven Enterprises

Event-driven architecture (EDA) realigns banks with what really matters – reacting to change instantly in order serve customers better and ensure a consistent and real-time view across the entire enterprise.

Data governance, the candy store and the dentist

A strong data governance program manages and protects data, while keeping costs low and maximizing value.

FIS Insights: The best of 2019

As we close out the year, let’s look back at the most popular stories we have shared. Here are the top five FIS Insights for 2019.

Three routes to modernization

Executives know they need to modernize in order to do more with less and still deliver a customer experience that is ahead of the competition. But how?

What’s next for real-time payments in the U.S.?

Real-time payments growth in the U.S. will get a boost with the introduction of the real-time payments (RTP) platforms by The Clearing House (TCH) and FedNow.

Super charge big data: IT as a profit center

New capabilities in big data allow organizations to take the harness off IT and monetize this valuable resource as a profit center.

All digital lending approaches are not created equal.

To grow their commercial lending business, banks need digital lending platforms that allow them to analyze, connect with and understand customers more deeply.

Tick tock, the CECL clock!

The new CECL regulation represents the most sweeping change to bank accounting yet. But here’s why it doesn’t have to be a nightmare.

What can financial institutions do to combat a recession?

For banks and financial institutions anticipating the next recession, these proactive steps can help combat its impact.

The case for modernizing the customer experience now

Many banks have invested in modernization and digital transformation and see it as important component of their continued success, but are all banks doing enough?

Risk management takes center stage in 2020

It’s never been more urgent to address risk. But modernizing your risk management can also bring unexpected rewards.

Reboot your asset finance platform with continuous deployment.

A continuous deployment strategy for your asset finance platform allows you to make fast, innovative changes to your services, with less pressure on resources.

Modern Methodologies and Cultural Models For Accelerating Bank Growth White Paper

Examine how the interaction of technology, processes, company culture, and people impact the banking transformation journey. A strategy for Two-Speed Architecture is discussed.

Prepaid wearables let fans keep having fun

Prepaid wearable bands deliver on key benefits that consumers now expect in payments – convenience, speed and security.

Three strategies for growth in capital markets

Discover the three technologies that will drive productivity, efficiencies and customer satisfaction in capital markets.

10 predictions for capital markets in 2020

From economics and generational change to robotics and cybersecurity: check out our 10 predictions for capital markets in 2020.

We’re more than ten years past the Great Recession. What will the next decade of banking bring?

Here are the three elements that will define the next decade of banking and determine who is leading the way by 2030.

Improving business processes at your financial institution

Here are 7 steps to improving business processes at financial institutions.

Debit in the new decade

As consumer move to digital payments, banks and credit unions must invest differently in their debit business.

Why a modern transfer agency is critical in today’s complex investment environment

As investor demands increase, a modern transfer agency is critical in today’s complex investment environment.

Time to Get Serious About CECL

Ready or not the time to act is now and focus on what it will take to implement a CECL solution for your institution.

Rethinking your member experience

As consumer move to digital payments, banks and credit unions must invest differently in their debit business.

2020 will erase antiquated tax record checks

An exclusive view into IRS data tax records provides deeper insights on lending risk and lien and payment history.

Five signs of life for the buy side

For asset managers and servicers, there are signs of investment and growth everywhere you look. Which ones could help you outpace the competition?

Great Reconciliation Starts with Self-reflection

For true data integrity, you need to not only run the right reconciliation software, but also support it with the right processes and maintain it over time.

The Sell Side’s Shortcut to Success

Banks and broker-dealers are racing to own the client relationship and create a single platform for their services. How do you take pole position?

Speed Counts: Data Distilling is All Too Complex to go it Alone

When it comes to data, speed counts and so does the pit crew you choose to distill and tag your data.

Community Banks Need Technology to Improve Customers’ Experiences and Increase Efficiency

Community banks can differentiate with smart, tailored tech investments that maximize efficiency and enrich the member experience.

Four companies have set the scene for your future

Google, Apple, Facebook and Amazon (GAFA) have redefined what we expect of tech and want for our businesses. How is GAFAnomics affecting asset finance?

Combat synthetic identity fraud with the next level of protection

Detecting potential synthetic identity fraudsters from the start is critical for thwarting the fastest-growing type of financial crime in the United States.

Another IFRS 17 Delay Brings Insurers New Opportunities

With IFRS 17 now delayed for another year, the new 2023 deadline gives insurers fresh chances to optimize their implementation.

Clients help guide AI initiatives at FIS

A collaborative approach to AI helps financial institution buy-in, while delivering maximum productivity growth. Here are 4 steps to a collaborative AI approach.

Advanced technologies: Enabling change in risk management

Zurich Insurance Group’s John Scott, head of Sustainability Risk, as he discusses how technology is changing how we understand and price risk, as well as how we interact with our customers.

Take the tech in RegTech seriously

When people think about regulation, they tend to throw people and tools at each requirement. But compliance is really a broader technology problem. That’s where RegTech comes in.

Data governance is all about the information value chain

To ensure true data integrity and valuable, actionable insights, data governance must follow the entire path of data, from source to reporting..

Avoid the Perils of a Lack of QA

The following seven pitfalls can be avoided with a proactive approach and ongoing investment in quality assurances practices.

As the Door Shuts on LIBOR, Keep Your Calculation Options Open

With LIBOR on its way out and new calculations still under discussion, lenders need a fintech partner that keeps them ahead of the game and their options open.

Solving Banks’ Liquidity Challenge

FIS’ Tony Warren explains why environmental, social and governance (ESG) investing is forecast to become a $35T market by the end of 2020.

A digital bank helps position for a brighter future

Many industry analysts believe banks will survive the virus-induced storm and seize an optimistic, long-term view. The key now is prudent short-term expense management and long-term planning to take advantage of upcoming opportunities.

If you don’t stake your card’s claim in digital wallets, who will?

As digital payments gain steam, card issuers that wait to get into mobile wallets could get left behind.

Changing behaviors in community banking

FIS’ Maria Schuld shares how community banks should be leveraging data analytics to strengthen personal, localized relationships with retail and small business customers.

The rise of ESG investing

FIS’ Tony Warren explains why environmental, social and governance (ESG) investing is forecast to become a $35T market by the end of 2020.

True partners take ownership

Core transformational initiatives require ownership and collaboration between the financial institution and their tech partner to drive results forward and inspire continuous improvement.

A digital bank helps position for a brighter future

Why digital banks are part of the strategy for the pending “new normal”

2020 Javelin ID Fraud Study points to dramatic rise in real-time P2P fraud

ID fraudsters are employing increasingly sophisticated and organized methods such as exploiting real-time P2P to take over accounts and increase their payoffs.

Challenges to address in the current and post-pandemic banking world

The coronavirus crisis challenges the banking industry. Executives must address these questions to deal with new banking realities.

In uncertain times, improve cash flow and risk by working smarter

Recent social and economic impacts related to COVID-19 have placed even more urgency on companies to optimize working capital by improving their cash flow, reducing risk and leaning on partners who provide specialized credit and collections management solutions featuring AI and automation in the credit-to-cash process.

How Corporate Treasurers Can Navigate through the Pandemic

Corporate treasurers navigating the COVID-19 pandemic most effectively have already adopted modern, cloud and web-based treasury technologies.

How COVID-19 is impacting the insurance industry

As insurers navigate the current pandemic, maintaining business continuity is critical; but having the right solutions to adapt, rebound and rebuild is just as important.

Be prepared to be caught off guard

Preparing for a pandemic event requires a strong focus on employees, the right technologies and a transparent plan to help lower the negative impact to your organization.

Anatomy of a first-class tax information reporting process

New FIS blog post provides a look at a first-class tax information reporting process and provides pointers for a best practice review of tax operations.

FX Spot Trading Regulation Will Call for Special Surveillance

Monitoring FX transactions isn’t straightforward and increased regulation of the FX market could present major challenges for compliance operations.

Win the game of survivor by supporting your customers

Don’t get voted out of your customers’ increasingly prevalent mobile wallets; leverage analytics, incentives and engagement to attract and retain card usage loyalty.

Boosting bank efficiency with APIs

Learn how APIs can help financial institutions boost efficiency and honor legacy technology investments, while participating in an open world.

The cleared derivatives market in the 2020s

FIS’ Andrew Whyte discusses how the cleared derivatives industry will change over the next ten years and the key role technology will play.

How Fully Paid Lending enriches broker-dealers and customers

FIS’ new blog post explains how Fully Paid Lending programs work, their benefits to broker-dealers and customers, and the technology needed to succeed.

Reg BI isn’t shifting – so your processes will need to.

To meet Regulation Best Interest’s unbending deadline, broker-dealers should be willing to adapt their processes to industry-standard technology.

Why financial institutions should move forward with CECL, despite delay

The CECL delay amid COVID provides an opportunity for firms to act now and build a competitive advantage while meeting compliance requirements.

Speed, scale, and customization are key to providing aid during the current pandemic

Today’s current environment demands a tech partner that can provide customizable solutions at a speed and scale that helps families and businesses across the country.

Mobile wallets becoming the way to pay amid the pandemic

Digital transformation is speeding up amid COVID-19, as 45% of consumers have a mobile payment wallet, according to our recent PACE survey.

Accelerating the time to value: The rise of remote delivery

Remote delivery has become the default option during the pandemic; but there are good reasons why it will remain in favor.

Enabling real-time processing with APIs

As our new normal races towards instant payments, APIs help financial institutions enable real-time connectivity, while preserving existing investments in technology assets.

Engage banking customers-wherever they are

Amid COVID-19, financial institutions can win over consumers by broadening their digital offerings and educating consumers about the value in the virtual services provided.

How financial institutions help consumers navigate uncertainty

Here’s how financial institutions can leverage cutting-edge digital tools to help consumers manage their personal finances during uncertain times.

COVID-19: How private equity credit managers can readily adapt to what’s next

To successfully manage change from COVID-19, private equity managers will need considerable skills and robust risk management techniques.

The genesis of a new financial system: The big bang is now

As banks’ balance sheets grow by 50 to 100 percent, a new financial system is being born. But this new world can’t fully emerge without modernization

What central bank digital currencies mean for the future of payments

Central bank digital currencies (CBDC) aren’t reality yet, but all global financial institutions should have them on their radar.

Financial providers should plan for accelerated digital transformation amid COVID-19

As the pandemic accelerates digital transformation, financial institutions need to prepare for seismic shifts in how customers access services, interact with banks and pay.

How have U.S. consumer attitudes toward banking services changed among different generations?

This report examines consumer engagement with financial services through a generational lens, diving into channel usage, trust in financial institutions and reasons for selecting a financial services provider.

COVID-19 has accelerated trends in consumer banking preferences. Here’s how financial institutions can support.

How virtual financial coaching can help financial institutions secure customer loyalty even as the centrality of the branch declines.

LDTI – learn four ways to benefit from another one-year delay.

With the effective date of U.S. GAAP LDTI pushed back another year, learn what you should focus on to make best use of the extra implementation time.

Reg BI is here to stay – so keep sticking to best practice

For a sustainable approach to meeting Reg BI obligations, broker-dealers should be willing to adapt their processes to industry-standard technology.

Supporting our communities means delivering essential banking services with a digital-first orientation.

The importance to financial institutions of demonstrating their commitment to the community, even as the centrality of the branch declines.

Securities finance takes center stage

The coronavirus pandemic is driving huge volatility and volumes in the securities finance market, accelerating trends towards integration and advanced tech.

Empower employees and customers with automation in your Content Management System

Incorporating AI and automation in Content Management Systems (CMS) can save an organization countless time and costs, while improving employee and customer experiences.

Boosting integration with APIs

With 70% of bank interactions taking place online or on mobile, customers increasingly want banking services delivered as part of an engaging experience. APIs help make this possible.

Three principles for data confidence

Automated technology is the starting point for building total confidence in your data. But it’s easy to stop automation in its tracks.

The “what” and “why” of managed services

As managed services become more and more attractive to corporations and capital markets firms, it’s important to understand the different types of managed services to make the right decision about which one(s) are best for you.

Data is not the new oil!

Driven by new thinking, new tech capabilities and the drive toward a digital economy, the usage of data is changing radically and is more important than ever.

Adapting the banker experience to current times

Even in today’s uncertain time, community banks that employ the right strategies and technology are better positioned to win customers’ trust and loyalty for many years to come.

In the new normal, commercial lenders need a digital response

In the wake of the global pandemic, banks are relying more than ever on digital lending systems to meet their commercial customers’ requirements.

Are you having an impact on your cardholder’s financial future?

Cardholders can round up their transactions to automatically transfer their “spare change” to a savings account; a great way to build loyalty to their bank.

A huge leap forward for evaluating loan risk

Uncertain times make lending decisions riskier; but digging deeper into tax data with advanced tools can help lower risk and rebalance lending portfolios strategically.

Unlocking the value of ESG data

With global spending on environmental, social and governance (ESG) data expected to reach $744M by the end of 2020, new tech and data-driven methods are emerging to help analysts better understand this new market.

COVID-19 has changed the face of sell side nearly overnight

Tens of thousands of sell-side professionals moved from corporate offices to their homes while keeping the markets moving and their firms afloat.

There's no stopping SRD II. Can your corporate actions keep up?

With speed so critical to SRD II, learn how to beat tight deadlines for corporate actions processing with a fully automated approach.

Three Impacts of COVID-19 on Capital Markets

The global capital markets will see both nuanced and revolutionary changes due to COVID-19. Our 2020 FIS Readiness research reveals how.

5 best practices for credit unions to counter contactless fraud

While cardholders turned to contactless payments due to COVID-19, fraudsters worked 24/7 to find nefarious ways to capitalize on the opportunity.

Enhancing the insurance customer experience

With a strong drive to enhance customers’ payments experiences, insurance companies that invest in modernization can optimize payment channels and pay out claims in real time, improving overall customer engagement.

Real-time Data in Securities Lending: The New Normal

Real-time data is quickly becoming the new norm for securities lending.

The accelerated pace of change for bank treasury

As the pace of change accelerates across the treasury landscape coupled with the onset of COVID-19, banks are facing numerous challenges including liquidity management, treasury management and asset and liability management that a treasury management system can help them overcome.

The model that gives hedge funds more agility

To find exceptional returns for investors, hedge funds are looking to new operating models that can increase their agility, including business process co-sourcing.

Why loan agency services need power as well as expertise

A loan agent (who combines expertise with a powerful, proprietary technology) powers speed, efficiency and transparency in syndicated lending.

No credit too complex? Simple loans deserve slick servicing, too

To improve customer service and efficiency, you need a powerful lending system that can service your whole portfolio of both complex and simple loans.

Secure customer loyalty with virtual financial coaching

As the center of gravity in banking shifts from the branch to digital, learn how virtual financial coaching can help financial institutions secure customer loyalty.

Insurers, you’ve got mail – but it’s miles away in the office

Whether you’re working from home or in the office, a mailroom service saves you time on physical mail handling and optimizes the delivery process.

Drive working capital improvements: look beyond cash application

In times of crisis, companies can leverage solutions that offer collections management as well as cash application solutions to drive working capital improvements.

RegTech in the midst of COVID-19

The 2020 Readiness Report reveal three interesting trends around regulatory change and RegTech – before and after the onset of the COVID-19 pandemic.

Optimizing accounts receivable: Where’s the ROI?

Adopting a collections solution can generate ROI in multiple ways, from reducing DSO and lowering portfolio risk to improving the accuracy of the cash forecast.

Seizing digital payments opportunities across insurance

Insurance companies have a great opportunity to enhance their customers’ user experience by embarking on digital payments technology initiatives.

Why nothing stops managed services for asset finance software

How managed services for asset finance software help firms not only stay up and running in a crisis but also continue to innovate throughout.

Building the new foundation for the sell-side

FIS’ John Omahen discusses how firms are looking for ways to diversify their business, offer new services and break into new markets.

How well do you know your customers?

Take a generational look at banking engagement as we dive into consumer channel usage, trust in financial institutions and reasons for selecting a financial services provider.

Make data integrity an insurance priority – or increase risk

A comprehensively automated approach to data integrity and control helps give insurers total confidence in reporting and reduces risk.

A sliding doors moment: How Covid-19 set capital markets firms on a new path for risk operations

The COVID-19 pandemic has been the ultimate test of resilience for capital markets firms, accelerating the race towards a new operating model for risk management.

Cometh the hour, cometh the machine: Time for leaner growth models in capital markets

In a world of strained budgets and resources, advanced automation and machine learning are vital to supporting growth.

An inflection point for hedge funds

As ambitious hedge funds expand into the credit markets, they need the right infrastructure and level of expertise.

Celebrating International Credit Union Day in 2020

As a partner to more than 70% of the credit unions in the U.S., FIS is committed to delivering new technology solutions, such as online lending and virtual installations, as we prepare together for the future of banking.

Putting together the IFRS 17 puzzle – a piece-by-piece guide

By viewing IFRS 17 as a jigsaw puzzle and tackling it piece by piece, you can more easily solve its reporting requirements.

Unlocking the value of ESG data

With global spending on environmental, social and governance (ESG) data expected to reach $744M by the end of 2020, new tech and data-driven methods are emerging to help analysts better understand this new market.

Financial institutions are entering the next stage in banking’s evolution.

How COVID-19 has accelerated the need for the next generation of digital tools and blends the best of the physical and digital realms.

Receivables Digital Tech Accelerating

FIS’ Crisis as a Catalyst for Change research finds that credit and collections teams are turning to digital receivables solutions and advanced tech.

The future of payments is real time and it’s already arrived

Why 2020 marks the year real-time payment platforms definitively become the future of payments.

Why institutions should consider a managed service for real-time payments

Partnering with a service provider that offers a real-time payments managed service eases the complexity of connecting to The Clearing House’s RTP® network.

The rise of digital treasury

COVID-19 is driving the adoption of digital treasury management technology by corporate treasurers, says FIS’ Crisis as a Catalyst for Change research.

Accelerating digitization across treasury, payments and receivables

COVID-19 has complicated working capital and liquidity and risk management across treasury, payments and receivables, accelerating the move to digital.

What’s driving adoption of digital treasury technology in the cloud?

The pandemic is accelerating treasury technology’s move to the cloud to reduce total cost of ownership and cyber risk and support remote workforces.

Three creepy predictions in FinTech post COVID19

From open banking to mixed reality, explore the predictions that will most impact our financial lives post pandemic.

Driving innovation with APIs

APIs empower financial institutions to position products where and when people need them; creating a new world of possibility for innovation and opportunity.

Financial firms join together to accelerate disbursement of emergency funds

Several financial firms have joined forces to accelerate the disbursement of emergency funds to individuals during a crisis.

Are you ready to serve investors in the marketplace of the future?

Retirement plan providers: It’s time to re-think your business model and customer relationships.

It’s time to respond to the demands of real-time banking and payments

How financial institutions can swiftly respond to the demands of real-time banking and payments with a componentized and modernized architecture.

Five Benefits of Making the Move to Real-Time

Banks and other financial institutions are in the midst of considering whether the move to real-time makes sense or is even worth the hassle, especially when their processes, systems and architecture are often still entirely batch-based.

Four strategies for building a data culture

To understand customers better, your data must take on the optics of an enterprise vision and transform to a data culture. Here are 4 strategies to get you there.

The Russian doll technology framework for hedge funds of all sizes

In this guest post from Hedgeweek Editor in Chief James Williams, you will discover why multi-strategy platforms are enabling hedge fund growth.

AI: Driving firms beyond efficiency towards resilience

As artificial intelligence (AI) platforms and tools have improved and become more widely available, machine learning has become a tool to drive growth.

Five benefits of making the move to real-time processing

With banks and FIs facing new consumer demands and competition from fintech upstarts, learn how the move to real-time processing can change the game.

Plan your loyalty renovation carefully

Is it time to give your loyalty program a refresh? Here’s a 4-step blueprint to help you optimize targeting, messaging and benefits for individuals in real time.

A faster time to value: Focusing on benefit realization

Professional services isn’t just about implementation – it’s about transformation and finding measurable value from your investment in technology.

Best Practices for AI in fintech

AI and machine learning are expected to add trillions of dollars in business value in the years to come through increased revenue, improved product development, and operational efficiency. Investment in AI startups and technology is increasing rapidly.

Managed services: Beyond cost control

The pandemic is accelerating the adoption of managed services, creating reasons to leverage cloud or outsourcing, and extending its value beyond cost.

Managed services: Driving growth

See why capital markets firms are turning to managed services to deliver new products more quickly.

Get Ready: The CCPA is now the CPRA

Newly voted California law goes into effect January 1, 2023 and arms consumers with more control over the privacy of their PI

Four challenges of long-term working from home

79% of capital markets firms have no immediate plans to return to office working. As we face working from home for the long term, what challenges does the industry need to address?

Stop, start or continue?

As we look ahead to 2021, it’s time to look at your customers, your market and your initiatives – and decide whether you start, stop or continue.

A new approach to AML

AML pressure is rising. With machine learning, banks can find money-laundering activity faster and more accurately and reduce their risk of penalties.

Digital currencies skyrocket during pandemic

With more crypto buyers emerging, merchants and companies are increasingly offering digital currency payment options across all channels

Why fast top-down risk analysis is better for margins all around.

With fast risk analytics, top-down analysis of the banking book can help better manage profitability through both a crisis and long-term change.

What’s stopping commercial lenders from adding value?

Managed services for commercial lending software allow lenders to focus on what they do best and make it easier to outpace change and add value.

Is ESG ready to go mainstream?

Funding is flooding into ESG investing. But there are significant barriers to adoption.

New Year’s resolution: It’s prime time for real time

The adoption of real-time payments is on the rise. Here are tips to help you navigate into the next generation of faster digital payments.

Why insurance risk management systems must be able to do it all

To better manage both new accounting standards and growing pressures on solvency, insurance risk managers need powerful actuarial modeling solutions.

Cloud: The way for Asian capital market firms to stay competitive

Capital markets in Asia have been too slow to keep pace with the change. COVID-19 has prompted them to consider the cloud as they look to grow.

APIs offer new solutions for a bank’s corporate customers

The evolving banking landscape requires flexibility and innovation to meet customer needs. Learn how APIs offer new solutions for a bank’s corporate customer.

When will central banks make the move to digital currencies?

To date there been no successful CBDC implementation, but some banks and countries are getting close.

How the next evolution of BPaaS will help shape the Capital Markets industry

The development of modernized platforms, open APIs and integrated data flows is opening the door to a new type of service: an end-to-end ecosystem that’s delivered as a BPaaS.

The future of retirement planning

In an age of increasing investor engagement, here are four ways retirement plan administrators can differentiate their services and strengthen investor relationships.

Why transform commercial banking?

Retail banking is typically the focus of bank transformation. But commercial banking is just as important. Learn why.

Data management operations belong in the cloud – for four reasons.

With on-premise systems under pressure, it’s time to find your data management operations a new home. The cloud is the best place to build it.

Solving Digital Increases Advisor Efficiency

How digital transformation increases efficiency so advisors can engage with more clients, more frequently.

Convertible bonds: From niche to mainstream

Convertible bonds’ popularity with both issuers and investors looks set to continue in 2021.

Relaunching your commercial card offerings

Learn why now is a crucial time to relaunch your commercial card offerings with new features that can grow both yours and your client’s business.

Filtered Spend prepaid cards provide new opportunities for businesses

With Filtered Spend, prepaid cards can now meet the needs of businesses not only for speed and transparency, but also for greater precision and reach.

Five ideas to jump-start revenue growth in 2021

FIs are under financial pressure due to the economic slowdown and uncertainty related to COVID-19. Faced with declining margins, banks must either grow revenues or reduce costs

Upgrade-phobic? Try testing and managed upgrade services for asset finance software

With managed services for upgrades and testing, asset finance firms get all the benefits of the latest software with none of the technical headaches

A fintech call to arms

Discover six key actions that capital markets firms need to take to stay competitive and ensure resilience in 2021 and beyond.

A fresh approach to trading compliance

A RegTech ecosystem for trading compliance isn’t just more accurate and cheaper to run. It’s also more resilient.

Extracting true value from globally growing real-time payments

Post-COVID, real time payments will redefine value exchange to drive positive social and economic developments.

Navigating economic uncertainty with the cloud

How treasurers can use cloud-based treasury management systems to navigate economic uncertainty and market volatility.

Is your financial close open to innovation?

As the process of closing the books continues to rely on legacy technology and manual tasks, it’s time to open the close to more innovative approaches.

Loyalty programs are affecting commerce as a whole

As loyalty programs focus more on emotional loyalty and relationships between brands and their consumers, learn how they’re affecting commerce as a whole.

Harvard is right – Avoid the “science project”

When it comes to data you should avoid the science project and make sure you’re focused on how your data insights can help you have better conversations with clients.

The best digital strategy? Digitalize everything!

Digital technology doesn’t just give you new avenues to growth – it supports a better customer experience and opens data for regulatory compliance.

Decoding APIs: New business models

Learn how financial institutions can use APIs to serve customers better, reach new markets and become more agile.

Buy now pay later: Payment flexibility leads to increased cardholder loyalty

As the buy now, pay later (BNPL) market is expected to grow 181 percent by 2024, payment flexibility is leading to increased cardholder loyalty.

The next generation of cloud services

The cloud can reduce total cost of ownership and risk and increase scalability and security. But to maximize your ROI, you need to think cloud-native.

Beyond efficiency, why digitalize your data ecosystem?

There’s more to digitization and automation than saving time and money. Get six more reasons why going digital makes sense for data management.

How to choose the right BPaaS partner

The most obvious benefits of BPaaS and other managed services is cost efficiencies. But there’s much more to BPaaS.

Why You Need a Technology Partner – Not a Provider

As private capital firms accelerate their digital transformation, the benefits of a long-term technology partnership are becoming clear.

Why there’s more to modern commercial lending than workflow.

To future-proof digital transformation, lenders must look beyond generic workflow adoption and consider the specific needs of commercial lending.

Anti-money laundering (AML) – Elevate customer service with a digital transformation

With the unrelenting rise in money laundering, penalties for AML failings have increased accordingly, with a staggering 36 billion pounds($50 billion) in fines issued since the financial crisis of 2008.

Why integrated stress testing is a new differentiator for banks.

With integrated balance sheet management and stress testing, banks are learning new ways to both achieve compliance and gain a competitive advantage.

How to get more out of advanced tech in the post-trade world

The possibilities of advanced tech are endless. Start with a solid data foundation.

How to stop worrying and learn to love AI

You can make AI work for you if you engage your team and embrace change management.

The new definition of best of breed

From ESG to cryptocurrency, to stay in the game, you need to move beyond best of breed solutions to a best of breed infrastructure.

Real-time payments in 2021: Adoption in five regions

Learn how real-time payments are performing this year in key five regions, and how overlay services like Request to Pay and SCT Inst are helping to drive adoption.

Harmonizing the Payments Ecosystem