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Shift in Spending Habits Spurs Acceleration of Digital Payments Transformation
2020-12-03 Shift in Spending Habits Spurs Acceleration of Digital Payments Transformation Community banks were already planning for a digital payments transformation, but the shift in spending...
Mitigate Fraud and Increase Profitability
Mitigate Fraud and Increase Profitability By Alan Nevels In today’s card risk environment, your bank needs a comprehensive fraud strategy that includes cardholder education backed by powerful...
Your ACE in the Hole: Optimize Your Credit Card Program Today
By Scott Broughton A banker asked me recently how to increase the profits of his bank’s credit card program. This Midwest bank had been issuing cards for more than a decade, but recent growth had...
Leverage the Power of AI to Predict Delinquencies
Leverage the Power of AI to Predict Delinquencies By Rebecca Kruse Artificial intelligence is a hot topic across all lines of business in all industries, and banking is no exception. How an...
Mobile Contactless Fraud Schemes: What You Need to Know
Recently, with the growing popularity of mobile wallets and contactless cards, we are seeing criminals using contactless near-field communication (NFC) acceptance as an alternative way to monetize...
A New Tool to Fight Synthetic Identity Fraud
2019-11-12 What is Synthetic Identity Fraud? Synthetic identity fraud occurs when bad actors use a combination of real and fictitious information to create new (synthetic) identities, which may be...
10 Tips for Community Banks to Fight Fraud this Holiday Season
10 Tips for Community Banks to Fight Fraud this Holiday Season 2019-11-05 While the season of cheer, joy, and family and friends are only a few weeks away, big spending and gift giving brings...
Account Takeover Fraud – Where Does the Buck Stop?
2019-06-17 Insidious with far-reaching consequences for its victims, account takeover fraud (ATO) continues to challenge consumers, businesses, and the financial services industry. According to...
12 Winning Vendor Negotiation Tips
12 Winning Vendor Negotiation Tips 2019-02-26 Finding a new vendor can be a test of your negotiation skills, especially when nearly everything in business is negotiable. Bancard Confidential...
Minnesota Bank Drives Support for Local Non-Profits
2019-02-20 Once many community banks were touting “full service.” Today, Harvest Bank aims to improve upon that concept, to truly champion and assist their communities’ continual survival and,...
Are Biometrics the Future of Payments Authentication?
2019-02-12 Could a fingerprint or iris scan be the answer to consumer password fatigue? Perhaps. In China, several face-detecting technologies are being used to authorize payments, with the Alipay...
Contactless Payments Reboot: Get Ready, Get Set
Contactless payments failed to gain momentum in the United States when they first appeared more than a decade ago. Executed through smart magnetic stripe cards, waving a card was only marginally...
Are You Leveraging Your Card’s Core Benefits?
Are You Leveraging Your Card’s Core Benefits? The Visa Liability Waiver Program ICBA Bancard’s Senior Vice President of Card and Payment Products, Julie Hanson, says that many times when she is...
Visa Examines Digital Trends and Consumer Expectations
Visa Examines Digital Trends and Consumer Expectations A Visa study examines how digital trends are reinventing consumer expectations. This shift in the ecosystem is driven by universal...
How to Create a Successful Fintech Partnership
2018-05-29 What is Fintech? If you asked ten people to define “fintech” you’d likely get ten different answers. (You may also get a few four-letter words that aren’t fit for print!) Fintech is an...
A Eulogy for the Static Password
A Eulogy for the Static Password 2018-05-08 Last month, Visa eliminated the use of static passwords for its Verified by Visa cardholder authentication service. Static passwords were once thought to...
Community Bankers Raise $10K With Charitable Giving Platform
Community Bankers Raise $10K With Charitable Giving Platform Community Bankers Raise $10K With Charitable Giving Platform The Independent Community Bankers of America® (ICBA) recently announced...
3-D SECURE 2.0 FAQs
3-D SECURE 2.0 FAQs Q: What is authentication? A: It is a way to gain better assurance that the genuine customer is using his or her card online. The authentication outcome is added to the...
What Merchants Are Looking For In 2018
2018-02-06 Innovations in online, mobile, and social technologies have created a revolution in merchant services that is intensifying competition between merchant acquirers and new market entrants....
3DS 2.0 Authentication Is Coming!
3DS 2.0 Authentication Is Coming! 2018-01-29 In September, ICBA Bancard partnered with CardinalCommerce to implement a powerful 3-D Secure, 2.0 authentication solution for community bank clients...