Independent Banker - December 2024 - FIS2

the
Building an
integrated
ecosystem of
payments tech
is essential
for modern
banking.
Debit and credit cards play an essential
role in moving money between banks,
consumers and businesses - but they are
increasingly blending into the background
of transactions, making purchases as easy as
the click of a button. Fraud is evolving, and
so is technology. Modernization is critical,
but how can you do it fast enough to keep
up? These are the new challenges of cards
and money movement - and here's how an
integrated ecosystem of payments tech can
help you find solutions and maximize new
opportunities.
Building a seamless digital
experience from the ground up
Modern cardholders use an app for nearly
every function - monitoring transactions,
freezing lost or stolen cards, provisioning
card credentials into a digital wallet. An easyto-use
app is a key factor in getting your card
to the top of consumers' wallets. But behind
the scenes, making it all work is a major
challenge.
Banks often use a payments ecosystem
made up of solutions from many different
providers. This can result in poor integration
and difficulty in tracing the source of and
resolving issues that impact customers.
Smaller institutions can especially experience
the challenges of delivering a cohesive digital
experience with a patchwork of partners and
solutions.
It's important to have the flexibility to use
the best solutions on the market for each
area of payments. But banks often benefit
from consolidating into a single payments
ecosystem that's already integrated - greatly
boosting opportunities for automation and
giving customers a unified experience across
products and channels.
Making payments instant
(and invisible)
Increasingly, cards are transcending their
plastic rectangle - becoming embedded into
transactions to the point of near-invisibility.
Think of an app like Uber. You're paying for
the service every time, but everything is
preset and running in the background; there's
no disruption to your experience. Companies
like Amazon are pushing that even further,
tapping into facial recognition - tied to your
traditional card credentials - to allow you to
purchase items in a physical store and walk
out.
Other technologies, like prepaid cards, give
consumers access to funds more quickly
than ever before. Prepaid cards have a
staggering number of use cases: peer-topeer
payments, payments for gig economy
workers, insurance settlements and more.
Funds can be preloaded onto a card, enabling
virtually instant payments.
Can your payments ecosystem support these
capabilities?
1The Clearing House, RTP® Network Surpasses Half a Billion Instant Payments, July 24, 2023

Independent Banker - December 2024

Table of Contents for the Digital Edition of Independent Banker - December 2024

Contents
Independent Banker - December 2024 - Cover1
Independent Banker - December 2024 - Cover2
Independent Banker - December 2024 - Contents
Independent Banker - December 2024 - 2
Independent Banker - December 2024 - 3
Independent Banker - December 2024 - 4
Independent Banker - December 2024 - 5
Independent Banker - December 2024 - 6
Independent Banker - December 2024 - 7
Independent Banker - December 2024 - 8
Independent Banker - December 2024 - 9
Independent Banker - December 2024 - 10
Independent Banker - December 2024 - 11
Independent Banker - December 2024 - 12
Independent Banker - December 2024 - 13
Independent Banker - December 2024 - 14
Independent Banker - December 2024 - 15
Independent Banker - December 2024 - 16
Independent Banker - December 2024 - 17
Independent Banker - December 2024 - 18
Independent Banker - December 2024 - 19
Independent Banker - December 2024 - 20
Independent Banker - December 2024 - 21
Independent Banker - December 2024 - 22
Independent Banker - December 2024 - 23
Independent Banker - December 2024 - 24
Independent Banker - December 2024 - FIS1
Independent Banker - December 2024 - FIS2
Independent Banker - December 2024 - FIS3
Independent Banker - December 2024 - FIS4
Independent Banker - December 2024 - 25
Independent Banker - December 2024 - 26
Independent Banker - December 2024 - 27
Independent Banker - December 2024 - 28
Independent Banker - December 2024 - 29
Independent Banker - December 2024 - 30
Independent Banker - December 2024 - 31
Independent Banker - December 2024 - 32
Independent Banker - December 2024 - 33
Independent Banker - December 2024 - 34
Independent Banker - December 2024 - 35
Independent Banker - December 2024 - 36
Independent Banker - December 2024 - 37
Independent Banker - December 2024 - 38
Independent Banker - December 2024 - 39
Independent Banker - December 2024 - 40
Independent Banker - December 2024 - 41
Independent Banker - December 2024 - 42
Independent Banker - December 2024 - 43
Independent Banker - December 2024 - 44
Independent Banker - December 2024 - 45
Independent Banker - December 2024 - 46
Independent Banker - December 2024 - 47
Independent Banker - December 2024 - 48
Independent Banker - December 2024 - 49
Independent Banker - December 2024 - 50
Independent Banker - December 2024 - 51
Independent Banker - December 2024 - 52
Independent Banker - December 2024 - 53
Independent Banker - December 2024 - 54
Independent Banker - December 2024 - 55
Independent Banker - December 2024 - 56
Independent Banker - December 2024 - 57
Independent Banker - December 2024 - 58
Independent Banker - December 2024 - 59
Independent Banker - December 2024 - 60
Independent Banker - December 2024 - 61
Independent Banker - December 2024 - 62
Independent Banker - December 2024 - 63
Independent Banker - December 2024 - 64
Independent Banker - December 2024 - 65
Independent Banker - December 2024 - 66
Independent Banker - December 2024 - 67
Independent Banker - December 2024 - 68
Independent Banker - December 2024 - Cover3
Independent Banker - December 2024 - Cover4
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