Welcome to ICBA Community Bank Day Made possible by our generous sponsors.

Slides:

Advertisements

Similar presentations

Right Size Solutions For Any Size Bank ® Card Marketing for 2013 Turn Your Program into a Revenue Machine Scott Broughton Senior Vice President, ICBA Bancard.

Advertisements

© 2014 Fair Isaac Corporation. Confidential. This presentation is provided for the recipient only and cannot be reproduced or shared without Fair Isaac.

Wells Fargo Economics Scott Anderson, Ph.D. Vice President Senior Economist Plunging Into The New Year Durango, CO January 9, 2008.

Convergence in Parking and Transit Steven Grant LTK Engineering Services Senior Systems Consultant Washington, DC March 19th, Fare Collection.

Jonathan Pooley: Ryan Rumo: Stephanie Frost: Candice Hall:

Emerging Technologies

Tara Humston Assistant Vice President August 19, 2011 Small Business Lending and Regulatory Perspectives.

India Retail e-Marketing Study 2015 Modern Retail Engagement – Instant. Disruptive. Smart All Rights Reserved © 2015 :: Octane Marketing Pvt. Ltd. Sudhanshu.

Life Time Value Analysis Definition: LTV is the net present value (NPV) of the profit that you will realize on the average new customer during a given.

E-Business / E-Commerce Marketing in the Digital Age

Los Angeles Transportation Club May 14, 2013 Scott Satterlee C.H. Robinson Senior Vice President.

Online Services Chapter 9.

The Webinar will be starting shortly Please call into the phone conference line provided in your Today we will be discussing how you can beat the.

SD1230 Unit 8 The Mobile Landscape. Course Objectives During this unit, we will cover the following course objectives: – Identify the characteristics.

1 PowerPoint Exhibit Slides to Accompany Principles of Economics Fred M. Gottheil Chapter 30 FINANCING GOVERNMENT: TAXES AND DEBT.

Market Research For Small Business. How to ID your Target Audience Determining what kind of business you want to open is only the first step in the start.

Lehman Brothers European Investment Banking Conference Amelia C. Fawcett Chief Administrative Officer (Europe) February 8, 2002.

Private, Secure, Guaranteed ACH Credits – The Next Generation of Online Payments Samantha Carrier, Director, eCommerce, NACHA.

Chapter 24 International Banking McGraw-Hill/Irwin Money and Capital Markets, 9/e © 2006 The McGraw-Hill Companies, Inc., All Rights Reserved.

1. NAWBO 2011 Membership & Issues Survey Highlights of Key Findings Sponsored by Deluxe Corporation.

Internet Usage in Pakistan & E-Marketing Potential Instructor: Hanniya Abid Lecture 2 E-Marketing.

1. Parcel services offering by DoP Ordinary Parcel Registered parcel VP Parcel  Unregistered  Up to 4 KG  Unaccountable  Presented at the counter.

E-Commerce - Crossing the Borders at the Click of a Mouse. Vincent Ler General Manager, General Business IBM Malaysia Sdn. Bhd. June 8, 2011.

Financial Institutions and Banking Services

Chart Your Course to Business Success On Target Business Intensive: Session 4 April 17, 2012 Advisors On Target 1.

Jeff Wilson Senior Vice President, LAC & Canada Senior Vice President, LAC & Canada Global Technology and Operations Leveraging Technology to Advance Business.

Marketing and Distribution

Teleconference Social Technographics Charlene Li Vice President and Principal Analyst Forrester Research April 24, Call in at 12:55 p.m. Eastern.

Long term growth, short term differentiation and profits from sustainable products and services A global survey of business executives.

SPECIAL THANKS TO OUR SPONSORS presented by the American Marketing Association, Boston Chapter How to Build a Killer Social Network.

PAPER AC 1 : E-BUSINESS AND CYBER LAWS. MEANING OF E-BUSINESS  E-business, is the application of information and communication technologies (ICT) which.

Using Mobile Technology to Improve the Bill Payment Process

Electronic Commerce Semester 1 Term 1 Lecture 23.

The Effects of E-Commerce on Entrepreneurship Chapter 9.

1 CSI Mobile Strategy 2013 Bringing the Bank to the Customer Bob Ezell.

Copyright © 2016 Pearson Education, Inc. 1. Pricing and Credit Strategies Section 3: Launching the Business.

© 2013 Federal Reserve System. Materials are not to be used without consent. Federal Reserve Financial Services Strategic Direction: Payment.

THE IMPACT OF E-BANKING SYSTEM IN INDIA. It is generally said… “networked individuals and firms are more efficient than networthed individuals…”

Team D March 2013 Market overview & analysis. E-commerce is the biggest market with its players’ revenues driven mainly by customers’ spending Communication.

Chapter 3 The Federal Reserve System (FED).  The Beginning Severe nationwide financial panics led Congress to pass the Federal Reserve Act in 1913, setting.

ABCN… the missing piece. Why E-Business Makes Sense for Our Industry David Brensilber.

United States payments update Howard N. Forman, AAP Senior Vice President Electronic Payments Consultant © 2011 Wells Fargo Bank, N.A. All rights reserved.

My$Brand Introducing Anchor D Bank’s PERSONAL FINANCIAL MANAGEMENT solution. April 2015 Anchor D Bank is offering our customers a tool to assist in track.

The Business Research Company Financial Services.

Leo C. O’Neill President Standard & Poor’s May 19, 2000 Media & Entertainment Analysts of New York The McGraw-Hill Companies.

Part 2.  What are the 3 main parts of the Fed?  The Board of Governors  The 12 Reserve Banks  FOMC.

The Saudi ICT Market and E‐Commerce Potential

Today’s Schedule – 12/1 Quizzes Passed Back Monetary Policy PPT Unit 5 Test Review HW: – Study for Unit 5 Test – Stock Market Report: Due Monday.

Copyright © 2016 Pearson Education, Inc. Pricing and Credit Strategies Section 3: Launching the Business.

Hype or The Real Deal? Eric Leiserson Mobile Billing and Payment: Utility Benchmarking and Latest Consumer Trends Utility Payment Conference.

Today’s Schedule – 12/3 Monetary Policy PPT MP Scenarios HW: – Study for Unit 5 Test.

Chapter 8 Distribution & Supply Chain Management.

Grady Taylor – Co Director Kevin France – Co Director.

Monetary Policy Using the amount of money and credit available to consumers to influence the economy.

City Magnet, Inc. The Name You Can Trust Creating New Business For Your Company Through Constant Exposure in Local Homes and Smartphones.

Mobile commerce. Content Definition of mobile commerce how it works Why mobile commerce is important for business or marketers? Example for mobile commerce.

Road to Financial Maturity Banking & Consumer Smarts.

Mexican Internet Association, AMIPCI The Mexican Internet Association (AMIPCI) was founded in It integrates the most influential.

Marketing Marketing involves creating value for customers and building strong customer relationships in order to capture value from customers in return.

Reach people on the go with Mobile Advertising Reach people on the go with Mobile Advertising.

Summary Projected Business Landscape Physician Employment's Role

Big 10 & University Credit Union Conference

Copyright © 2016 Pearson Education, Inc.

Emerging Payments Market Developments: Trends and Risks James Van Dyke, President and Founder Presented at the Federal Reserve Bank of Atlanta, November.

Understand the banking system.

Convergence in Parking and Transit

PeopleSoft Treasury SIG Meeting

PeopleSoft Treasury SIG Meeting

Industrial Banks By Nana Soumano.

Emerging Payments Market Developments Trends and Issues

Presentation transcript:

Welcome to ICBA Community Bank Day Made possible by our generous sponsors

Payments Trends & Opportunities for Community Banks Made possible by our generous sponsors Julie Hanson Vice President Card & Payment Products ICBA Bancard and TCM Bank, N.A.

Agenda Industry Trends What’s New -Emerging Technologies Opportunities for Community Banks Industry Trends What’s New -Emerging Technologies Opportunities for Community Banks

Industry Trends

Trend #1 Consumer and FI Confidence Where are we today?

Industry Trends #1 - Consumer Credit & Confidence Source: MasterCard-The Consumer Credit Landscape, 2014

Industry Trends #1 - Consumer Credit & Confidence Source: MasterCard-The Consumer Credit Landscape, 2014 Bureau of Economic Analysis

Industry Trends #1 - FI and Consumer Trends Source: MasterCard-The Consumer Credit Landscape, Federal Reserve Bank of New York consumer Credit Panel & Senior Loan Officer Survey 2.Equifax 3.Comperemedia Offers (May 2012)

Industry Trends Trend #2 Consumers are Omniconsumers

Industry Trends #2 – Consumers are Omniconsumers Source: VISA-The 2014 Trends Landscape: The Unpredictable Consumer

Industry Trends #2 – Consumers are Omniconsumers Consumers are now more likely to find and buy products online than in a store & smart phones are shopping tools Source: Vantive-Top 10 Payment Trends to Watch in 2014

Industry Trends #2 – Consumers are Omniconsumers Source: Vantive-Top 10 Payment Trends to Watch in 2014

Industry Trends Trend #3 Mobile is making in roads….

Industry Trends #3 – Mobile Inroads Source: VISA-The 2014 Trends Landscape: The Unpredictable Consumer

Industry Trends #3 – Mobile Inroads Source: Vantive-Top 10 Payment Trends to Watch in 2014

Industry Trends #3 – Mobile Inroads Source: Vantive-Top 10 Payment Trends to Watch in 2014 Mobile E-Commerce Grows Consumers are Open to Mobile Payments The Future

Industry Trends Trend #4 Community Banks on Payments

Industry Trends #4 – Community Banks on Payments Source: 2013 ICBA Community Bank Payments Survey Which of the following consumer payments products does your bank currently offer or plan to offer?

Industry Trends #4 – Community Banks on Payments Source: 2013 ICBA Community Bank Payments Survey Please rate the profitability of your bank's consumer payments product offerings.

Industry Trends #4 – Community Banks on Payments Source: 2013 ICBA Community Bank Payments Survey Only 59 percent of community banks say increasing profitability is one of their most important payments strategies, down from 70 percent in Only 46 percent now look to payments to create new revenue streams, down from 54 percent in the last payments survey. While many banks (55 percent) continue to see payments as a source of efficiency, a greater number now see payments as a way to improve customer service (up 5 percentage points to 52 percent) or create/improve customer access channels (up 9 percentage points to 45 percent). While still seen as the least important strategy by most community banks, some are using payments to penetrate target markets or expand their geographic footprint (both up 4 percentage points over 2011, to 12 percent and 11 percent, respectively). In short, community banks see payments as a way to build lasting customer relationships. Relationship‐builder rather than revenue source