Payments Solutions

Payments Strategy Guide

Digital payments are not only a reality, they are an increasingly critical product in the retention and growth of consumer and business relationships with a bank.

Small Business Strategy Consumer Strategy

Prepare Your Digital Payments Strategy

Digital payments are not just a reality but an increasingly critical product in the retention and growth of consumer and small business relationships with banks.

And while digital payments can add a great deal to a bank’s overall value proposition, they can also attract and retain new customers. These assessment tools can help you formulate the best strategy for your community bank.

Put your Small Business Digital Payments Strategy to the Test

ICBA Bancard Digital Payments Strategy Guide – Small Business edition is the second interactive tool, designed in partnership with Aite Group, that helps community banks create a custom digital payments strategy for their small business customers.

Answering these questions will help identify where your institution lies in its small business payments maturity—developing, emerging, strategic, or market leading—and create a realistic roadmap with actionable steps to capture the small business market for your bank.

This tool is exclusively available to all ICBA Bancard clients for the next 60 days. 

What You Need to Take the Assessment

  • Your bank’s asset size
  • Approximate number of small-business customers (defined as those having less than $10 million in annual revenue)
  • General knowledge of business payment products offered
  • General knowledge of your bank’s appetite to invest in digital payments

Don’t have access? All ICBA Members will gain access in early November. Enter your email to be notified when the tool is available to you.

Download GuideTake the Assesment

Get Your Consumer Payments Strategy on Track

ICBA Bancard Digital Payments Strategy Guide is a unique interactive tool, designed in partnership with Aite Group, that helps community banks create a custom digital payments strategy for their consumer customers.

As community banks evolve to meet their customers’ diverse payments needs, a payments strategy can help align disparate initiatives—creating a roadmap that feeds into a bank’s strategic plan and expedites its execution.

What You Need to Take the Assessment

  • General knowledge of your bank’s consumer age demographics for existing and new accounts.
  • Understanding of how consumers interact with your bank (e.g. transactions performed within each channel: online, in-branch, call center etc.)
  • General knowledge of consumer payment products offered
  • How consumer payments revenue impacts your bank's income (income from consumer transactions divided by total revenue for the month)
    Your bank’s appetite to invest in digital payments
  • Number of consumer customers, branches and ATMs (onsite and offsite)
  • General knowledge of payments service providers, including security and compliance providers
  • Understanding of how data is collected and reported for consumer payments products. Can be found through monthly reports provided by your vendors or generated internally.
  • Your bank’s asset size.

Download GuideTake the Assesment

Strengthen Relationships

Papers, Webinars and Training

Read the latest Payments Executive Brief: Strengthening Small-Business Relationships with Payments

More Payments Resources


Login and Read the Guide

ICBA Bancard Digital Payments Strategy Guide, produced by Aite Group, provides a market overview of the digital payments landscape.

Download Guide

Take the Assessment

This tool will help strengthen your digital payments strategy. Its results will help plan a profitable and sustainable strategy.


See the Results

See where your bank falls on the digital payments spectrum. For questions about this digital payments strategy assessment, contact [email protected]


Payments News

Nacha ACH modernization rules effective next month

Nacha “Meaningful Modernization” changes to improve and simplify the ACH user experience are scheduled to take effect next month.

Details: Effective Sept. 17, the Nacha improvements will define a “Standing Authorization” and expand the use of oral authorizations for consumer ACH payments.

Impact: The changes will help ACH network participants address the effects of new technologies on payments, such as obtaining oral authorization via voice assistants or using Zoom instead of a telephone.

ICBA Position: In an April 2020 comment letter, ICBA said it generally supports the changes to reduce ACH barriers, increase flexibility and consistency for authorizing consumer ACH payments, and reduce certain administrative burdens.

Payments Executive Briefs

Faster Payments Have Arrived — Now What About Competition, Fraud, and Strategy? Part 2

Jul 12, 2021
Here's part two of a continuing conversation on faster payments, diving into Same Day ACH, competition, fraud, and strategic vision.

Faster Payments Have Arrived — Now What?

Jun 17, 2021
Faster payments have arrived. Accelerated by the pandemic, the growth in digital and contactless payments has pushed consumer and business expectations toward the real-time movement of money.

How Community Banks Can Help Customers Evaluate Buy Now, Pay Later Offerings

May 6, 2021
Buy now, pay later or BNPL, is the latest cautionary payments tale for community banks. Much like digital wallets, its appeal—with instant gratification and integrated payment at checkout—has taken hold with Gen Z and millennials.

White Papers

Payments Policy
& Advocacy Efforts

The U.S. Faster Payments Council (FPC) is a new membership organization established so Americans can safely and securely pay anyone, anywhere, at any time and with near-immediate funds availability.

Learn more about the U.S. Faster Payments Council

The Federal Reserve Payments Study is an ongoing effort to quantify aggregate payment volumes, payments fraud, and related information in the United States, offering a periodic benchmark of developments in the U.S. payments system to policymakers, the industry, and the public.

Learn more about the Federal Reserve Payments Study