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Seven ways to use card-on-file to reach top of digital wallet
Ecommerce sales are projected to grow from $4.2 trillion worldwide in 2020 to $5.4 trillion in 2022, according to Statistica. And in North America, card-not-present transactions (excluding travel)...
Digital Payments Fraud: New Conveniences, New Opportunities for Fraudsters
Though consumers have embraced ACH and wire transfers as essential ways to pay and move money, digital tools have increasingly become popular payment methods for consumers due to their convenience...
A Note from the Chairman - Bancard Amplifies Our Voices
From digital transformation to the ramp up to instant payments with FedNow and beyond, payments have become the hot topic du jour. However, as community banking executives, we’re juggling multiple...
Increase Credit Card Income with Comprehensive Marketing Programs
Card programs make significant contributions to banks’ revenue through interchange fees, interest charges on credit card balances, and balance transfer fees. Large financial institutions with deep...
Marketing Your Credit Card Program: A Community Bank in Alabama Weighs In
Ecommerce credit card spend is expected to surpass $500 billion in 2022 for the first time, according to insiderintelligence.com. Community bank marketers will need to be strategic in their...
Knowledge is Power – Turn Your Customers into Defenders
Falling victim to fraud or a scam can be an embarrassing and costly experience. According to a CNBC report published this year, consumers reported fraud losses of more than $5.8 billion in 2021,...
Marketing in the round: Using a 360-degree marketing strategy to reach today’s prospects
In the pre-digital age of marketing, connecting with potential new customers was relatively simple. Everyone watched the same TV channels, listened to the same radio stations, and read the same...
Start simple: free marketing assets for community banks
There are several resources available to community bankers who want to market their credit or debit card program. Below are sites we recommend, which all house free marketing and educational...
Payments One Credit Enhances the Small Business & Commercial Card Experience
Small business and commercial card payments are an exciting growth and relationship opportunity for community banks. Both small business and commercial card types hold strong value and the size and...
Building a Commercial Card Program – A Missouri Community Banker Weighs In
When Chad King, director of business services at $3.5 billion-asset First State Community Bank in Farmington, Mo., came to the bank nearly a decade ago, they charged him with setting up merchant...
Visa SMB Pulse Payment Outlook and Trends
A recent Visa commissioned survey provides insights into credit usage by small- to mid-sized businesses (SMBs) in the United States.
Instant Payments for Small Businesses: Low Hanging Fruit
If you have not read ICBA Bancard CEO Tina Giorgio’s recent blog on instant payments for small businesses, it is definitely worth reading. In the blog, Tina includes some key stats that effectively...
Buy Now, Pay Later Continues Notable Growth as BNPL Fraud Increases
Buy Now, Pay Later (BNPL) quickly rose to become an alternative payment staple during the pandemic, appealing to millennials and consumers wanting to get that ‘longed for’ purchase or just make...
A Note from the Chairman: Carpe Diem Instant Payments
As the lifeblood of the U.S. economy, small businesses have reverberating impacts on the industries and communities they serve. In many cases, their expertise extends into areas other than...
ICBA Bancard is Here to Help
Our mission at ICBA Bancard is to deliver flexible, innovative payments and digital commerce solutions that allow community banks to flourish. To this end, ICBA Bancard’s team is here to help and...
Instant Payments Fraud
Instant, faster, real-time: no matter how you describe the newest sets of payment rails, there are many questions as to how those payments may be protected.
Understanding the What, Why, and How of Instant Payments
As bankers try and digest a steady stream of news related to faster payments, it can be overwhelming to try and keep straight what all the different terms mean, what solutions ride which payment...
Chairman's Column: Asking the Right Questions
As we come to the end of the first quarter of 2022, we’re still in the throes of finding our “new normal,” which is shaping everything from our branch strategy to product innovation. For many,...
Multi-Factor Authentication – Widely Adopted, Effective Protection
Multi-Factor Authentication – Widely Adopted, Effective Protection Static passwords alone are no longer a viable tool for identifying customers. With payments fraud rising year after year, and...
Understanding Velocity BIN Attacks and How to Address Them
Understanding Velocity BIN Attacks and How to Address Them It’s Friday night and you are enjoying your well-deserved, stress-free night when your work phone rings. It’s your call center manager...
Telltale signs to avoid becoming a victim of a social engineering attack
Telltale signs to avoid becoming a victim of a social engineering attack The financial services industry is constantly under siege against would-be fraudsters seeking to exploit...
Using Loyalty Programs to Grow Your Portfolio
Using Loyalty Programs to Grow Your Portfolio Loyalty programs are a tremendous tool for community banks to build trust with consumers and deliver an enhanced shopping experience. These cardholder...
Grow and Protect
Grow and Protect I’m a glass-half-full banker. So, while we can look at 2021 as a year of challenges, we should also take a moment to recognize the opportunities that have emerged in their wake....
Growing your credit portfolio starts with knowing the numbers
Growing your credit portfolio starts with knowing the numbers You’ve probably heard the saying, “the numbers don’t lie” and in the financial world, it is more than a cliché it’s usually a fact....
Webinars feature RTP, FedNow updates
Webinars feature RTP, FedNow updates ICBA and ICBA Bancard next week are kicking off a complimentary webinar series on how community banks can plan for their instant payments journey. ICBA and ICBA...
Cybersecurity Safety
Cybersecurity Safety What exactly is cybersecurity? Cybersecurity, also known as information technology security, is the practice of protecting electronic systems, data, applications, and networks...
Migrating to 8-Digit BINs
Migrating to 8-Digit BINs As the timeline for 8-digit bank identification number (BIN) migration approaches, it is important to stay up to date on developments and next steps in preparation for the...
Payments Trends for 2022 Planning and Beyond
Payments Trends for 2022 Planning and Beyond We are in the midst of a transformative time in payments; COVID-19 has fueled an accelerated shift to digital channels, and meanwhile, new payment rails...
Embracing the new normal
Embracing the new normal Whenever I hear the phrase, “the new normal” I’m reminded of the seismic shift in interactions with customers over the course of the pandemic. This is even more apparent...
A Look Ahead: Payments in 2022
A Look Ahead: Payments in 2022 It may be hard to believe but we’re rapidly approaching the end of 2021. Given some of the significant trends and developments this year, 2022 is likely to be a...
Making customer interactions personal for a digitized world
Making customer interactions personal for a digitized world As in-branch visits decrease and the number of digital transactions increase, it will be more important than ever to ensure customer...
A Note from the Chairman
A Note from the Chairman This past year has been an intensely trying time, but if we look beyond the COVID-19 storm, we come face to face with a silver lining of opportunity. Community banks have...
Do you have the right card products to meet the pent-up card spend?
Do you have the right card products to meet the pent-up card spend? Strong consumer and business card programs are well positioned to meet bank, consumer, and business challenges fueled by excess...
Faster Payments – Meeting Market Demand
Faster Payments – Meeting Market Demand The year 2020 drove many community banks to experiment and embark on faster payments. Concerns of payment disruption combined with the pressure to remain...
Protecting Against Digital Payments Fraud
Protecting Against Digital Payments Fraud The pandemic has certainly played a role in escalating fraud on a global scale and throughout many payment pathways. The sudden cross-sectioning of these...
Take your card portfolio to the next level with affluent cards
Take your card portfolio to the next level with affluent cards As community banks review their card offerings and examine ways to attract more cardholders, one segment meriting a closer look are...
Supporting Economic Recovery with Credit Card Rewards Programs
Supporting Economic Recovery with Credit Card Rewards Programs To everything there is a season, or so the market shows via today’s rebounding economic environment. Anxieties around the pandemic...
Meet your ICBA Bancard Support Team
Meet your ICBA Bancard Support Team Our mission at ICBA Bancard is to deliver flexible, innovative payments and digital commerce solutions that allow community banks to flourish. ICBA Bancard’s...
Migrating to 8-Digit BINs: Key Information to Consider Before Transitioning
Migrating to 8-Digit BINs: Key Information to Consider Before Transitioning ICBA Bancard’s partner card networks, Visa and Mastercard®, have released several notices and bulletins regarding the...
Credit Card Marketing: Driving Engagement and Combating Cardholder Fatigue
Credit Card Marketing: Driving Engagement and Combating Cardholder Fatigue Community banks that issue consumer credit cards are faced with some common challenges: how to match their card options...