Phil Tollison, Kent Potterton, Susan Adamson - … · 1© 2017 Jack Henry & Associates, Inc.© 2017 Jack Henry & Associates, Inc.® ® The Future of JHA Card Processing Solutions™

© 2017 Jack Henry & Associates, Inc.®1 © 2017 Jack Henry & Associates, Inc.®

The Future of JHA Card Processing Solutions™ and How You Can Benefit

October 12, 2017

Phil Tollison, Kent Potterton, Susan Adamson

© 2017 Jack Henry & Associates, Inc.®2

Legal Disclaimer: Dates contained in this presentation are provided as estimates only and can be changed at any time at the sole discretion of Jack Henry & Associates, Inc. This information may not be incorporated into any contract and should not be relied

upon in making purchasing decisions.


Agenda Introductions Partnership Overview Benefits and Integration High-Level Review

Cardholder Experience Operations Experience Risk Management – Transaction and Portfolio Analytics Loyalty Commercial Cards

Summary


Partnership Overview


Processing System (switch) Authorizations Plastics & Personalization Stand In Portfolio Risk Tools ATM Driving Statements

Partnership Overview

Support Tools Back Office Portal Analytics Loyalty Real-Time Fraud Tools Training for JHA Support for JHA

Core System FI Training & Support Call Center Managed Services

Fraud Management Settlement Consulting Services


Leverage API’s for integration to Jack Henry online and mobile banking applications

Streamlined client portal

Our clients will continue to receive the superior service levels that differentiate JHA from all other providers in the industry

Enhanced real-time fraud monitoring and new fraud mitigation tools

An active/active transaction processing environment

Integrated loyalty solutions

Comprehensive data analytics

Debit and full-service credit card processing

CPS

It’s All There & Improved

© 2017 Jack Henry & Associates, Inc.®7 © 2017 Jack Henry & Associates, Inc.®

New Benefits


Active/Active Benefits

• Eliminates:– Untimely cardholder declines at POS– Stand in processing and ATM outages– Staff disruptions to troubleshoot down terminals and reconcile

advices– Afterhours crisis and on-call events

• Secures FI reputation for providing dependable service to cardholders and ATM users


Real Time Decisioning

• Denies transactions at point of authorization • Reduces overall fraud losses • Reduces number of chargebacks • Protects card program profitability


STAR® Network – Benefits

11

The STAR Network • Shared ATM access in

1979

• Combination of 10+ regional U.S. debit networks

• PIN-secured purchasing in 1983

• Nearly 3,800 Financial Institution Members

• Nearly 470,000 ATMs

• 54,000 + Surcharge-Free ATMs

• Over 122M STAR-branded debit cards


Centralized Command & Control

Whether it’s fraud management, analytics, loyalty, disputes, or reporting, you will be able to manage both your debit and credit portfolios from a single back office application.

Of course all of these systems are supported by JHA’s first class supportteams should you need them.


JHA Card Connect – Back Office Portal

JHA Card Analytics


Quick Assist replaces DataNavigator


Integrated in Xperience


Terminal Driving Content Management

Cross-sell relevant products and services Easily customize graphics and content on demand Reinforce your brand

Targeted Marketing Deliver unique marketing messages to the ATM screen and receipt Target groups of cardholders or individual cardholders Target groups of ATMs or individual ATMs

Deposit Automation Transaction Personalization


Credit Card Management


JHA will now be able to offer full service credit to our clients.

Integrated tools give staff the ability to manage credit accounts at the system of record (First Data) while within the core.

Consistent User Interface (UI), access, and tooling enables you to manage both credit and debit portfolios.

Leveraging a suite of currently-available API’s will give access to online and mobile customers.

Module Review - Full Service Credit


Full Service Credit Processing at CPS

A Comprehensive End-to-End Solution

Cardholder loyalty solution

Promotional rate capability & balance transfer

Portfolio consulting

Marketing campaigns

Visa Signature® & World MasterCard®

Comprehensive risk scoring

Portfolio risk automation

Fraud detection & prevention

Neural network

Comprehensive dispute support

Account residence & maintenance

Data analytics & report management

Settlement automation

Real time & Core interface capabilities

Plastics options including EMV

Card carriers and statements

Online account access

Cardholder alerts

24 x 7 call center support & service

Cardholder Experience

Back Office Operations

Risk Management

Portfolio Growth


Create Top-of-Wallet Cards

EMV

DigitalDesign Your Own

Card

FlatInstant Issue


Leveraging Segmentation of Customers

Present Statements and Online Messaging Customized by SegmentDynamically change the presentation to be more relevant

Submit Marketing Images and Content per Segment

Unique graphic for Affinity different from Affluent

Send File to Jack Henry to Load Into Card System

M=Millennials, S=Small Business

Identify Segments and Assign Customers

Ex. Millennials, Small Business, Affinity


Statements Give You MonthlyTargeted Marketing Options


CardholderSelf-ServiceSite


Portfolio Risk Management


Portfolio Risk Management


Fraud Mitigation


Fraud Strategies for Debit and Credit Cards Over 300 decision elements available for

strategy use Neural network utilized / latest FICO

models Consumer and merchant based scoring

Real time decisioning for all card transactions New tools like Ethoca to stop fraudulent online purchases

from shipping

Zip Distance

Velocity checking – h/m/s

VAA/EMSSpecific $ amount to the penny

Tran Amount

Fraud Behavior

Merchant Country

Entry Mode

Sic/Cat Code

Card Acceptor

ID


OR

Processor Branded Mobile App


Allows cardholders to conveniently control when, where, and how their cards can be used.

Turn card off and on

Decline or alert on specified

transaction types

Control dependent cards

Decline or alert on international

transactions

Decline or alert based on location and region controls

Decline or alert if transaction exceeds threshold amount

Decline or alert on specific merchant types


JHA Card Analytics


Module Review – Analytics

Interactive visual dashboardsthat highlight product

performance against major benchmarks.

Data mining tool for creating custom insights. User

experience designed for both novice and seasoned data

users.

Productivity saving toolset for accessing and extracting

information from processing system reports.

JHA InsightReportVue PerformanceVue DataVue

JHA InsightJHA Insight


Performance Vue – Debit KPI’s


Performance Vue – Credit KPI’s


Performance Vue – ATM KPI’s


Module Review - AnalyticsJHA Insight

CommunityVue


Module Review - AnalyticsJHA Insight

CommunityVue

JHA InsightCommunityVue

JHA InsightCommunityVue


Loyalty Solutions


What Loyalty has Taught Us

Approx. 70% of all active Credit accounts have a rewards component Cardholder average monthly spending on rewards cards continues to

grow – rewards Cardholders spend 2 – 3x as much as non-rewards Cardholders

Cash is king in terms of rewards redemption choices with 45% of cardholders saying it is their most preferred redemption item

Merchant-funded rewards excite consumers and help accelerate reward point earnings

Cardholder’s expect more than just an airline seat from a travel rewards program – it’s about all travel and unique experiences

© 2017 Jack Henry & Associates, Inc.®3939 ǀ 10/16/2017

THE INFORMATION CONTAINED HEREIN IS PROPRIETARY AND CONFIDENTIAL TO PSCU AND REPRODUCING, COPYING, PUBLISHING, OR REVEALING ITS CONTENTS, IN WHOLE OR IN PART, IS EXPRESSILY PROHIBITED.

CPS’s Loyalty Options

Points program for CardholdersMerchandise and Travel plus options for Gift Cards and Cash

Points program for all CustomersNot a Cardholder, no problem – reward their loyalty

Cash-only for CardholdersRebate on set schedule or Cardholder ‘on demand’


Comprehensive Rewards Solution


Point Summary - Display Points Earned

Total Points Available to Redeem displayed on top of each page of the website


Merchandise, Gift Cards, Travel or Cash


JHA Rewards in one site, consistent, fully integrated navigation on every page of the website

Integrated NavigationOTHER PROGRAM: opens 4 browser windows to display rewards options, or return to HOME page


Merchant Funded Rewards


Promo/Bonus Points – Drive Behavior Transaction Level Rewards (TLR)

• Build ‘top-of-wallet’ behavior with promotional points Offer bonus points for activation and initial use Give double points during a specified time-frame such as

holidays or Black Friday Use merchant codes to reward transactions such as

groceries and gas purchases or home improvement retailers Available Parameters

• Merchant Category Code• Transaction Date• City/State Codes• Custom Account-level Parameters


Custom Branding and Responsive Design

© 2017 Jack Henry & Associates, Inc.®47© 2017 Jack Henry & Associates, Inc.®

Commercial Cards



Administrator – Card Management

PA can assign accounts to correct department Allows real time updates for credit limits and authorization

strategies Ability to set up an Approver Can create new accounts Order plastics Make an online payment Schedule auto payments



Cardholder – Full View

Full View Cardholder Dashboard designed for high volume cardholders –that uses features such as hierarchy, cost allocation, splitting and approval workflow



Transactions: New Simplified ViewQuick Find: finds all transactions that matches the string entered

Menu appears on all screens and you can navigate immediately to other screens


Next steps


Typical Migration Plan180 Days Prior:

Kick off Project

60 Days Prior:Pre-Migration Training starts

Migration:

60 Days After:Post-Migration Support

TBD based on FI Preference:ATM Migrations start late 2018



Thank You!

Documents

Phil Tollison, Kent Potterton, Susan Adamson - … · 1© 2017 Jack Henry & Associates, Inc.© 2017 Jack Henry & Associates, Inc.® ® The Future of JHA Card Processing Solutions™