As witnessed by industry consolidation, the credit card business is highly specialized; a leader in terms of data analytics, portfolio segmentation, account-level management, mass customization, direct marketing, and risk management. Most issuers outside the Top 15 lack this industry specific knowledge and analytical capability

Payment Systems Solutions levels the playing field by providing our credit union clients with continuous state-of-the-industry capabilities comparable to and often exceeding those of the top issuers. We provide specialized skills to augment and leverage our clients existing functional staff which in turn allows them to compete against top industry issuers by providing exceptional products and services to their members. We assist clients in answering questions such as:

• How should accounts be priced relative to performance?
• Which members deserve the best product?
• Should we offer a rewards product and if so, to who?
• What is the right amount of credit to grant? And how often?
• How do I attract more high value cardholders?
• And countless others…

Our core services include:

• Business Process Review
  A comprehensive review of your card issuing business encompassing all functional areas
  
  
• Portfolio Valuation
  An “appraisal” of your portfolio at the product level, benchmarking current value to measure against future performance and identifying opportunities to maximize the value
  
  
• Data-driven, knowledge-based strategies and tactics that support the “value-based” approach to credit card product management
  
  
• Portfolio Management