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Our Focus

Payments

Optimize your payment eco-system to increase your bottom line. Your payment products may not be performing to their highest potential.

Could your payment solutions be operating more efficiently and saving you more money?

Our revenue enhancement and assurance activities help identify incremental ways to boost your payment systems’ bottom line. By reviewing the many processes and tools used within your business over and above your credit card products, such as your debit cards, merchant acquiring as well as your payment networks and streamlining their operation, we identify strategies to make them more profitable.

  • Identify revenue leakage and prevent future losses
  • Drive sustainable account growth
  • Improve non-interest income including fees and interchange
  • Increase revenue per active account
  • Drive incremental revenue through market and competitive analyses

Payments Strategic Areas

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    Debit Card Performance Optimization

    Reduce costs and drive increases in interchange income by targeting critical performance drivers in the debit card program.
    Debit Card Performance Optimization

    Account Acquisition and Penetration – Ensure your sales activities and customer communications allow for the highest cardholder penetration.

    Activation – Increase activation and usage by promoting offers to the right segments while also targeting bill pay and retail purchases with effective incentives.

    Utilization – Reduce operating costs and improve retention by converting customers from non-interchange transactions (check, cash etc.) into habitual debit card users.

    Operations – Reduce potential friction points in the system by reviewing various processes including card issuance cutoffs, reissues, card limits as well as transaction declines

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    Merchant Acquiring Performance Optimization

    Optimize your physical and virtual POS systems to drive improved profitability while also maintaining and improving customer service.
    Merchant Acquiring Performance Optimization

    Profit Insight helps financial institutions increase revenues by targeting the specific merchant acquiring performance levers. We drive revenue growth by optimizing merchant sales through segmentation strategies, terminal activity analysis and developing margin protection strategies. We uncover cost savings through minimizing interchange and network costs, optimizing physical and POS network performance while also identifying internal and external cost savings opportunities.

    Our work extends throughout the value chain including:

    • Product Proposition & Development
    • Merchant Acquisition and Set-up
    • Transaction Processing
    • Finance & Settlement
    • Dispute & Fraud Management
    • Merchant Servicing
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    Payment Network Optimization

    Reduce payment network costs, increase incentives earned and gain a better understanding of this critical and complex component of your payment ecosystem.
    Payment Network Optimization

    Our team includes experts with decades of global payment network experience as well as banking environments and bring this expertise to help you reduce your network costs and drive more value for your business. Our engagement capabilities include: 

    Network Billing Review – We improve your understanding of network invoices while reviewing down to unit costs to identify anomalies and suggest ways to reduce the issuing and/or acquiring fees that are deducted from daily transaction settlements.

    Contract Cost Transparency – We help you understand what you are being charged for and why, while also clarifying the terms and conditions of your network contracts, reviewing operating certificate, authorization, clearing, settlement and mandated costs/pricing.

    Incentive Contract Assessment – Whether pre- or post-contract signing, we take a deep look at your network relationships to explain what you could be entitled to in terms of sales and marketing, volume and business support incentives and how the networks arrive at these calculations.


    Full Network Relationship Evaluation – If you have multiple network relationships, we can work with you to develop forecasts then and build portfolio cost comparison models to identify levers to adjust in your relationships to optimize revenues and identify prospective savings.

Debit Card Performance Optimization

Account Acquisition and Penetration – Ensure your sales activities and customer communications allow for the highest cardholder penetration.

Activation – Increase activation and usage by promoting offers to the right segments while also targeting bill pay and retail purchases with effective incentives.

Utilization – Reduce operating costs and improve retention by converting customers from non-interchange transactions (check, cash etc.) into habitual debit card users.

Operations – Reduce potential friction points in the system by reviewing various processes including card issuance cutoffs, reissues, card limits as well as transaction declines

Merchant Acquiring Performance Optimization

Profit Insight helps financial institutions increase revenues by targeting the specific merchant acquiring performance levers. We drive revenue growth by optimizing merchant sales through segmentation strategies, terminal activity analysis and developing margin protection strategies. We uncover cost savings through minimizing interchange and network costs, optimizing physical and POS network performance while also identifying internal and external cost savings opportunities.

Our work extends throughout the value chain including:

  • Product Proposition & Development
  • Merchant Acquisition and Set-up
  • Transaction Processing
  • Finance & Settlement
  • Dispute & Fraud Management
  • Merchant Servicing
Payment Network Optimization

Our team includes experts with decades of global payment network experience as well as banking environments and bring this expertise to help you reduce your network costs and drive more value for your business. Our engagement capabilities include: 

Network Billing Review – We improve your understanding of network invoices while reviewing down to unit costs to identify anomalies and suggest ways to reduce the issuing and/or acquiring fees that are deducted from daily transaction settlements.

Contract Cost Transparency – We help you understand what you are being charged for and why, while also clarifying the terms and conditions of your network contracts, reviewing operating certificate, authorization, clearing, settlement and mandated costs/pricing.

Incentive Contract Assessment – Whether pre- or post-contract signing, we take a deep look at your network relationships to explain what you could be entitled to in terms of sales and marketing, volume and business support incentives and how the networks arrive at these calculations.


Full Network Relationship Evaluation – If you have multiple network relationships, we can work with you to develop forecasts then and build portfolio cost comparison models to identify levers to adjust in your relationships to optimize revenues and identify prospective savings.

Payments Solutions

Strategies to boost your bottom line.

Earnings Optimization

Revenue leakage in your business can lead to weakened financial performance. Through earnings optimization, we find leakage opportunities in your business activities and take action to correct with the goal of reducing costs and maximizing your financial growth.

Data-Driven Advisory

When it comes to driving future performance and strategic planning for your business, observing and analyzing your data will drive the most successful, consistent results. We work with our clients’ transaction level data to identify and develop customized strategies and market-leading tactical solutions to deliver measurable improvements to the bottom line.

Operations and Platform Efficiency

By delivering exceptional customer experiences and streamlining processing and operations, you are able to run the business more proficiently and efficiently. We take a holistic view of operating components, platform capabilities, customer touchpoints and downstream processes to identify tactical improvements, which produce direct savings and ensure investment is maximized.

Getting Started

It’s easy.
We uncover the growth potential in your existing portfolios.
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Schedule a Call

We will discuss your portfolios and business challenges to identify areas where we can help.

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Solutions & Implementation

We create a customized set of tactical solutions to help you enhance earnings, and we work alongside your team to ensure a successful implementation.

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Ongoing Partnership

We continue to proactively monitor your portfolios’ performance and bring new ideas to help you thrive. We become a trusted partner invested in your long-term success.

Payments - Client Success

Success stories from a few of our clients

"After working with PROFIT INSIGHT, this leading UK card issuer exceeded revenue goals by 70% achieving immediate earnings improvement."

A leading UK card issuer

Earnings Optimization – Card

"North American regional bank gained $4.2 million per year in incremental revenue after implementing 17 strategies recommended by PROFIT INSIGHT."

A North American regional bank

Earnings Optimization - Deposits
All Case Studies

Our Insights

Stay ahead on the latest trends in financial optimization

September 22, 2020
“Everything can be done online or via mobile” is what customers hear, but actual experiences can quickly become a point of friction. 
September 1, 2020
Consumer spending is down. Profits and margins are near all-time lows. What should banks do?
August 11, 2020
Just about everyone on our team has been in consulting for many years – in some cases decades - and have seen how markets change,

Ready to start improving financial performance?

Schedule a Call