Solutions. Payments Performance Management Thought Leadership and Payments Consulting

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1 Solutions Payments Performance Management Thought Leadership and Payments Consulting

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3 Solutions Payments Performance Management consulting services from Fiserv offer thought leadership and payments business expertise to help you define your payments strategy and maximize profitability. Utilizing revenue growth methods and software tools focused on refining your offerings and expanding the revenue potential from payment-related services, Payments Performance Management provides you with the expertise to build profitable payments strategies. Managing Payments Today and Tomorrow The payments environment is rapidly evolving, challenging financial institutions to rethink traditional business models and seek the answers to a wide range of questions: As we migrate from a check-based infrastructure to an electronic and imagebased infrastructure, how do we profitably manage both infrastructures? How and when should we combine aspects of both infrastructures? How do we manage and modify our products to compete in the new payments environment? How do we reduce back-office expenses and streamline processes? Which new products or market segments will allow us to differentiate our institution? How do we optimize our branch capture strategy? How does remote capture fit into this strategy? How do we implement the right risk mitigation strategies to take into account the changing environmental factors such as transaction conversion? A bank s key challenge is adjusting its payments model from the traditional one to a modern, integrated and responsive model that provides the products and services demanded by customers. The path is not simple, nor does one size fit all. Your bank s approach must accommodate market differences and your business objectives. Our payments consulting team can help you preserve and accelerate payments profitability through a greater understanding of your unique payments business. Using advanced modeling tools and industry leading subject matter expertise, we develop cost reduction and revenue growth strategies tailored to your objectives. By using our proven payments models to analyze your data, we deliver the insight and analysis needed to reduce risk and make sound business decisions. Current areas of focus follow. Profitability As the need to link payments planning and profitability becomes increasingly clear, our experienced consultants can create and execute a winning payments strategy in a timely manner to create an enterprise payments P&L and provide what-if modeling capabilities that empower you today and in the future. Leading institutions across the country have relied on our expertise to help them manage change more profitably. We are confident we can help your bank, too. 1

4 Our in-depth understanding of the payments environment will help you minimize unit costs at each step of the process while maintaining high levels of customer satisfaction. Revenue Retention and Expansion Changes in payments have not gone unnoticed by your customers. Their options have expanded and their habits are rapidly changing, requiring a fresh perspective on how your bank will meet revenue goals. As deposit processing moves to customer offices, we can help you position your services to retain and expand your deposit base. Our recent industry research and experience with leading institutions gives us a unique perspective into this challenge. Within your commercial markets, our Payments Performance Management consultants can enhance the acceptance of your offerings by providing your sales and marketing staff with targeted assistance. We can provide your customers with valuable insights into how they can better profit from their banking relationships. In addition, your correspondent banking customers are demanding deposit services that are aligned with ever changing industry best practices. Payments Performance Management consultants can craft a correspondent banking strategy that implements your business objectives as well as meeting customer expectations. In the payment revenue arena, customer expectations are again the key to balancing the risk/reward of funds availability. The Float Pricing System and market segmentation services provided by Fiserv are a proven way to meet your customers expectations and increase your bottom line. Payments Risk Mitigation As transactions migrate or are converted to electronic payments, the risk and fraud paradigm is changing. Do your legacy processes designed for a paper environment maintain adequate protection? Our payments consulting experts can provide an unbiased, unrestricted perspective that can identify vulnerabilities and risks within your environment. Alternative Deposits and Capture Strategies Deposits can now be captured and processed at branches, clustered sites, ATMs, and customer locations but which of these makes sense for your bank? Our consultants can provide clear business justification for pursuing the best course of action for your remote deposit capture services. We help you define the appropriate locations and timelines for revamping and electronifying traditional branch deposit processes, examine the viability of a new generation of ATM capture, and set both a strategy and an execution plan to reduce the cost of handling deposits from the point of receipt through final disposition. Moreover, we illuminate and resolve the hidden impacts of distributed capture including float pricing, market segmentation and customer expectations. For your corporate and commercial customers, we clarify the value proposition for remote capture, then provide industry leading practices regarding the new processes required to achieve success. 2

5 Payments Clearing Our professional Float Support Services are available to track and implement payments clearing changes to meet float and cost allocation targets. As your enterprise transitions to image-based clearing, we offer services designed to quantify costs for clearing, transportation and float at each phase of the process, simplifying a seemingly otherwise difficult task. Fiserv is the industry leader in helping banks optimize their float positions and take advantage of clearing options. Back-Office Transformation During the transition to an image and electronic payments system, maximizing operational efficiency throughout the back office is imperative. As the ratio of paper to electronic transactions continues to shift, managing this balance requires careful analysis and planning. In addition, as your operations reach the tipping point where outsourcing becomes a viable strategy, we can provide critical strategic consulting to answer the when and how questions of outsourcing. Our consultants specialize in modeling the current and projected payments environment in order to predictably manage infrastructure and staffing changes. These changes involve both gradual removal of paper-based technology and the addition of new, image-enabled and all electronic solutions and processes in the right mix at the right time. Payments Performance Management Includes: Strategic Services Enterprise payments strategy Payments profitability modeling Payments optimization Alternative deposits strategy Non-earning assets reduction Revenue Generation Corporate remote capture product planning and launch Float pricing software and consulting Float market segmentation consulting Expense Management Image exchange strategy Convergent Day 2 operations consulting Payments clearing design and profitability Payments operations reengineering Convergent payments optimization Risk mitigation strategies in payments transformation Float management support and outsourcing Payments Performance Management consulting services from Fiserv focus on revenue growth strategies that help you refine your offerings and expand the revenue potential from paymentrelated services. 3

6 Payments Performance Management consulting services from Fiserv provide the valuable, targeted analysis needed for both shortand long-term strategic payments initiatives. Accelerate Payments Profitability with Fiserv In order to remain profitable within the rapidly evolving payments industry, you need a partner with the expertise and thought leadership who can show you how to enhance your payments strategy. The Payments Performance Management team of consultants can help you preserve and accelerate payments profitability through a greater understanding of your unique payments business. By applying our costcontainment and growth strategies to your current payments model, you can meet your goals for both profitability and growth. Connect With Us For more information about how our Payments Performance Management team of consultants can benefit your organization, please call us toll-free at , us at getsolutions@fiserv.com, or visit our website at 4

7 About Fiserv As the global leader in financial services technology, Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management, and Insights & Optimization, and leading the transformation of financial services technology to help our clients change the way financial services are delivered. Visit for a look at what s next, right now.

8 Fiserv, Inc. 255 Fiserv Drive Brookfield, WI Fiserv, Inc. or its affiliates. All rights reserved. Fiserv is a registered trademark of Fiserv, Inc. Other products referenced in this material may be trademarks or registered trademarks of their respective companies /10