Debit Optimization

Debit—both signature debit and PIN debit—has been a payment phenomenon, with transaction volumes increasing at 20%+ for the last several years. Our research suggests, however, that the debit market is beginning to mature. No longer able to rely on the wave of mass market adoption to fuel growth, issuers must now take a more strategic approach to growing their debit card business.

We have worked with a number of banks and credit unions to help them maximize the value of their debit portfolios. Examples of our capabilities include:

• Growth strategies
• Network and processor selection (see EFT Optimization)
• New product development
• Performance benchmarking
• Rewards program development & vendor selection
• Fraud mitigation
• Cost analysis

We have advised many leading financial services organizations:

- Payment strategy development with 8 of the top 10 U.S. banks

- Retail banking strategy (pricing, distribution, and account retention)

- Strategy, research, and pricing analysis with some of the largest EFT networks and card associations

- Market research and strategy for the U.S. Treasury and the Federal Reserve Bank

- Market analysis and strategy development with leading payment processors

- Product development
with ATM manufacturers and payment providers

- Market research studies spanning consumers, merchants, and financial institutions

- Expert testimony in litigation