White Papers
As quickly as your business changes, you need a partner who can help you keep up and stay ahead of those changes. TMG offers you informative white papers to provide a library of resources on a multitude of subjects affecting your business.
All white papers are offered in a downloadable Adobe Acrobat (PDF) format. If you do not have Adobe Reader, it is available to download for free.
Chip Card Debate
U.S. Weighs Benefits of PIN and Signature Formats
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Even as the terms “EMV” and “chip-and-PIN” became nearly synonymous over the past few years, some players have chosen a different route – namely, chipe-and-signature. TMG’s Aris Jerahian explores the discussion in this new white paper. The paper comes on the heels of updated roadmaps to EMV migration from Visa, Mastercard and Discover. Throughout, Jerahian compares the benefits and limitations of each and discusses the elements to EMV migration that smaller issuers, like credit unions and community banks need to take into account.
The Road Ahead
Four Very Important Competencies for Community FIs in 2012
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Shazia Manus, CEO of The Members Group, names the four areas on which she believes community financial institutions (FIs) will focus in 2012. A former credit union CEO, Manus predicts that leadership at community FIs will push their teams to develop competencies in: 1) profitability, 2) efficiency, 3) product/service mix and 4) deeper customer relationships. Manus goes on to explore each of the four areas of focus, sharing what tactics she believes will be popular among FI CEOs.
Learning the Language of America's Youth
To lower the average age of your customers, consider the country’s youngest people – Hispanics.
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In this white paper, community financial institutions (FIs) are encouraged to look at the Hispanic market for acquiring younger customers. The paper discusses best practices for reaching a Hispanic youth audience, including marketing and community relations tactics, product implementations and financial education programming.
The Whole Picture
How Cardholder-Level Data is Changing the Way Card Managers Make Decisions
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Many issuers generate profitability reports, to help them understand portfolio performance, but do those reports show the whole picture? This white paper examines how cardholder-level data is changing the way card managers make decisions to fine-tune portfolio management. It covers the importance of being able to access the information quickly and in an easy-to-decipher format using tools like TMG ClearTrend, a cardholder-level analysis solution that communicates numbers as pictures, leveraging the power of human perception to make better sense of business data.
Are Your Cardholders About to Bust Out?
Tips on Spotting, Preventing and Recovering From 'Bust-Out' Card Fraud
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A form of first-party fraud also known as “sleeper fraud,” bust-out fraud is breaking out in a major way and card-issuing financial institutions need to pay closer attention to the risk. In this white paper, we examine red-flag warnings and prevention methods, including education, cohesion between FI departments and frequent refreshing of credit scores to help FIs protect themselves.
Self Service as Customer Service
How Mobile Banking Helps Financial Institutions Follow the Customer's Lead
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For financial service professionals who have lived and breathed the high-touch fundamentals of customer service, it may be time to flip the switch on that line of thinking. In this white paper, we explore the top five mobile banking activities, and how consumers are accessing this information on their smartphones. It also provides an analysis of the benefits mobile banking provides financial institutions, sharing customer service cost figures on a per-engagement level.
Bracing for Durbin
Seven Small, Impactful Ways Your FI Can Increase Interchange
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Predictions about the post-Durbin debit marketplace have been wide-ranging since even before the Federal Reserve Board announced its plans for an interchange cap. Despite the public speculation of how card issuers, merchants, networks – and even cardholders – will react, debit will still continue to be a strong payment method for FIs. In this white paper, FIs will learn seven ideas and considerations for maintaining the profitability of their debit portfolios post-Durbin.
Still in Control
Look Past Regulations to See the Optimizing Power of Rewards
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At first glance, newly regulated credit and debit programs can seem a bit like the weather – out of your control and all over the radar (of legislators). But what leadership of community-based financial institutions (FIs) must realize is that like the weather, card programs can be managed. In this white paper, FIs will learn how they can stay in control of their rewards program by optimizing them to increase wallet share and boost the performance of card portfolios.
Getting Down to Business
How Financial Institutions Can Attract and Retain Business Clients with
Reloadable Cards
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Consumers are excited about reloadable prepaid cards. But for community-based financial institutions, there exists an even larger target for this emerging product – business owners. In the white paper, TMG's Konrad Christensen explores the use of reloadable prepaid cards as an alternative to payroll checks, which can give the issuing FI access to people it may never have reached otherwise.
Maintaining Your Foothold in the Payments Ecosystem
Stay relevant to the consumer by integrating alternative payments technology.
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There’s a frightening reality facing today’s financial institutions – they may no longer be integral to the movement of money. This white paper shows how community financial institutions can link with emerging alternative payments providers to maintain their foothold in everyday financial transactions.
The Global Payments Standard - Is Your FI Ready?
Chip-and-PIN technology to support EMV (or the Europay-Mastercard-Visa standard) exists or is very near existence in nearly every developed country in the world. And that’s creating problems for the U.S., which has remained steadfast in its continued use of magnetic-stripe cards.
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Aris Jerahian, VP of Client Relations for TMG, takes a look at the driving factors behind what many are calling an inevitable U.S. adoption of chip-and-PIN technology to support EMV. He describes how American financial institutions can learn from early U.S. adopters and lays out the four questions every financial institution should ask of its processing partner before following suit.
Fraud White Paper Three-Part Mini Series
Strategies and tips for your financial institution to prevent fraud and protect your cardholders' information.
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In this three-part mini series, TMG provides information about common fraud threats faced by many financial institutions. You'll learn about strategies for preventing and detecting economic hardship fraud, how card fraudsters are going back to old-school methods and finally, why the summer months present a hot-bed opportunity for card fraudsters.
Stronger in the End
Little known benefits of consolidating card services during a merger
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As the financial industry continues to evolve and grow with the economic and regulatory changes, current predictions indicate that credit union mergers are expected to rise. This white paper discusses the little-known benefits of consolidating card services with one vendor processor during a merger. It also provides tips on evaluating the card portfolios of merging credit unions for profitability and growth potential.
Do Your Homework; Pass the Exam
Satisfying the NCUA with Vendor Selection Due Diligence
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This white paper focuses on the NCUA guidelines for vendor selection due diligence with step-by-step guidance and practical advice for navigating the tasks and time involved with selecting a card processor. As an added bonus, TMG is also providing a sample RFP to help you in your vendor selection process.
Taking a Step Into the Gift Card Market
Gift Cards for the Holidays and Beyond
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This white paper addresses the evolving gift card market and why every financial institution should consider it sooner than later as a viable payment strategy for growth.
Rewarding Your Members
Reinvent Your Credit Union's Rewards Program
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This white paper explores options for making your plastic rewards programs stand out, increase cardholder usage and inspire further loyalty to the financial institution.
Reloadable Cards - It's All in the Marketing
A Credit Union's Guide to Marketing a Reloadable Card Program
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This white paper will provide you with a better understanding of how prepaid products, reloadable VISA branded debit cards in particular, are a great way to reach the travel, teen and underserved markets.
