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SRM Perspectives on Key Industry Trends

Byte by Byte: Assembling a Foundation for the Now Normal Post-COVID-19

Posted by Patti Wubbels on Jun 3, 2020 9:00:00 AM

Byte by Byte - Assembling a Foundation for the Now Normal Post-COVID-19

In our last blog post, several SRM experts weighed in on the future of banking in the now normal - how consumer spending behaviors would influence branch operations and non-interest lines of revenue. In this post, we will shift our focus to big data, cyber risks and the need to reinforce legacy infrastructure.   

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Topics: COVID-19, Digital Channels, Card Branding, big data

What a Decade’s Difference Means to Your Card Branding Agreements

Posted by Bob Koehler on Apr 26, 2020 9:00:00 AM

card brand blog

Card-issuing institutions of all stripes (yes, a payments pun) are in store for some interesting times. According to SRM’s findings, a disproportionate number of card branding agreements are coming up for renewal over the next 12-18 months. Why is this important? Consider the timing.  These contracts, commonly signed with MasterCard and/or Visa, tend to be long term in nature and govern a large and growing share of non-interest income. As SRM witnessed during economic recovery from the 2008 financial crisis, properly realigning your bank or credit union’s critical card branding contract with the market, as well as other payments agreements, can uncover hundreds of thousands in both cost savings and revenue growth. 

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Topics: Debit and Credit, Card Not Present, Contactless, Card Branding

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