How Location Intelligence boosts merchant acquisition for banks

The Capgemini report reveals that banks are losing ground to PayTechs as 40% of small and mid-sized merchants consider switching due to dissatisfaction with traditional services. (Navneet Dubey reports) #CapgeminiReport #Banks #PayTech https://lnkd.in/gf3vbE_S

Retail banking is one of the most technologically evolving service industries today and in the future. Decisions to combine technology with human support are essential to avoid losing customers and to attract new ones.                       These decisions impact the perceived service quality and customer loyalty, and directly imply profitability and competitiveness. Proper use can lead to cost improvement, but also to an increase in cyberfraud that can end up outweighing profit and damage customer relationships, while not using it can alienate customers and make the operation unviable. The use of technologies such as artificial intelligence is more in demand in fraud prevention than in customer service, since the banking industry is one of the most important in terms of trust. Customers are looking for the agility of technology, as much as the confidence of being able to talk to a person in the presence of a problem or unforeseen event. These and other factors are implying profound changes in the retail banking industry, modeling a strategic transformation that will leave winners and losers in the coming years, not based on one decision, but on the proper management of multiple decisions, sometimes even conflicting and requiring a deep analysis and appropriate management models.   To know more, and receive publishings with statistics and tools used by us in specific implementations in different countries and sectors of activity, you can follow us at: Shocron Benmuyal & Associates Or go ahead and contact us to request them. STAND WITH ISRAEL עם ישראל חי #competitiveness #banks #banking #insurance #payments #fintechs #trends #profitability #productivity #goals #resilience #disruption #management #strategy #IT #business

Retail banking is one of the most technologically evolving service industries today and in the future. Decisions to combine technology with human support are essential to avoid losing customers and to attract new ones. These decisions impact the perceived service quality and customer loyalty, and directly imply profitability and competitiveness. Proper use can lead to cost improvement, but also to an increase in cyberfraud that can end up outweighing profit and damage customer relationships, while not using it can alienate customers and make the operation unviable. The use of technologies such as artificial intelligence is more in demand in fraud prevention than in customer service, since the banking industry is one of the most important in terms of trust. Customers are looking for the agility of technology, as much as the confidence of being able to talk to a person in the presence of a problem or unforeseen event. These and other factors are implying profound changes in the retail banking industry, modeling a strategic transformation that will leave winners and losers in the coming years, not based on one decision, but on the proper management of multiple decisions, sometimes even conflicting and requiring a deep analysis and appropriate management models.   To know more, and receive publishings with statistics and tools used by us in specific implementations in different countries and sectors of activity, you can follow us at: שוקרון בן-מויאל ושותפים Or go ahead and contact us to request them. STAND WITH ISRAEL עם ישראל חי #competitiveness #banks #banking #insurance #payments #fintechs #trends #profitability #productivity #goals #resilience #disruption #management #strategy #IT #business

part 10 CHARTING A PATH TO INCREASING TRANSACTION BANKING VALUE BY 50 PERCENT!!! Fintech partnerships: 3 to 5 percent impact on operating profit While banks have long faced the choice of build, buy, or partner, we increasingly believe that the future is tilted toward partnerships, especially with fintech innovators. Fintechs offer a range of innovative services that bank customers want. Partnering with them considerably reduces the time to market compared with relatively slow internal bank build efforts to develop something similar. These partnerships also make continued investment in critical client propositions more likely: Fintech business models are typically predicated on continuous, iterative innovation to maintain and deepen product–market fit, whereas many banks will reduce investment after the initial build. Interestingly, some of the largest global banks, such as HSBC and Citi, which in theory are well positioned to build purely proprietary solutions, are some of the most prolific partners and have internalized this logic. Regional banks, which face greater investment constraints, may want to follow their example. To do so, these banks would need to develop their “partnership engine,” systematically scanning for opportunities and deriving value from the ones they pursue. The most successful partnerships include the following: a strong alignment of interests, often with gain-share type agreements clear synergies on both sides, beyond simply adding more distribution and sales a go-to-market approach that leverages the speed of fintech processes and the regulatory experience of the bank When they are well designed, we see such partnerships regularly driving 3 to 5 percent upside in profitability, with improved offerings in the chosen area leading to higher volumes and increased fees. Front-office excellence: 10 to 20 percent impact on operating profit The next lever, a structured commercial approach (“front office excellence”) is typically the foundational element in driving growth in transaction banking and can yield upside of 10 to 20 percent over the baseline. #boe #boc #boe. #cbn #banks. #boa #Africasglobalbank. #worldbankgroup

Everyone talks about what neobanks have that traditional banks don’t. But few talk about the “assets” that traditional banks have that neobanks dream of. Make no mistake; digital sales are the new battleground in financial services. And it is in this race that traditional financial institutions have advantages that are hard to replicate overnight. Most notably: 1) Brand Equity and the trust it brings to the table for both acquisition and retention 2) Big customer base and untappped customer intelligence 3) Product breadth that can lead to increased LTV and provide opportunities for aggressive acquisition. 4) Capital that give the ability to underwrite and fund lending at scale. The banks that win won’t be the ones that only protect what they’ve always had but those that translate trust, customer depth, product breadth, and capital strength into optimized customer journeys, personalized offers, and seamless digital experiences. The winners will be those who turn these moats into digital momentum. 

The Approval Divide: Turning High-Risk Declines into Consistent Revenue ✅📈 For a high-risk merchant, the difference between a DECLINED and an APPROVED transaction is the difference between stagnation and hyper-growth. This side-by-side view highlights the stark reality: a low approval rate is actively suffocating your business. We don't just accept the industry-standard decline rate; we actively work to beat it. Achieving high, consistent approval requires strategic payment routing and data-driven optimization: Acquirer Redundancy: Utilizing multiple, geographically dispersed acquiring banks so transactions automatically failover if the primary bank declines. Smart Retry Logic: Automatically re-submitting soft declines to different banks or at strategic times to capture the sale. Performance Monitoring: Analyzing decline codes in real-time to identify and fix systemic issues, ensuring your bar chart trend is always upward. Stop losing good customers to unnecessary declines. It's time to demand a payment partner focused on maximizing your acceptance rate. #ApprovedPayments #DeclinedTransactions #AuthorizationRates #HighRiskECommerce #PaymentOptimization #RevenueGrowth

Banks risk losing SME business as PayTechs surge Banks have deprioritised merchant services due to margin compression, complex infrastructure, and high operational costs, leaving PayTechs to fill the gap, says a Capgemini report. #PayTech #SMEs #SMEBanking #MerchantServices #CapgeminiReport #SMEGrowth https://lnkd.in/ewwJmZbw

https://lnkd.in/gKmQ3ybx acquires Amount to boost its digital banking solutions FIS has completed its acquisition of Chicago-based fintech Amount, marking a strategic expansion of its digital banking capabilities, according to a Sept. 24 announcement. Amount specializes in unified, cloud-native account origination and decisioning for deposits, lending and card services. The platform has processed more than 150 million new account applications across consumers and small to […] The post FIS acquires Amount to boost its digital banking solutions appeared first on Bank Automation News. https://lnkd.in/g6aBvuhY via Bank Automation News https://lnkd.in/gmCUTF5c September 25, 2025 at 10:17AM

Are branches obsolete? Not even close. Despite all the noise about digital-first everything, data shows physical branches remain vital — especially for building trust, deepening relationships, and increasing product adoption. Micronotes makes the case that digital and branch channels aren’t either/or — they’re better together. For community banks and credit unions, it’s time to rethink the branch: not as a cost center, but as a relationship hub. Read the full article: https://lnkd.in/eYwGPBfr How are you blending digital with human engagement? #BankingStrategy #CreditUnions #CustomerExperience #DigitalTransformation #Micronotes #FinancialServices #BranchBanking #OmnichannelBanking

https://lnkd.in/gnUmntdX acquires Amount to boost its digital banking solutions FIS has completed its acquisition of Chicago-based fintech Amount, marking a strategic expansion of its digital banking capabilities, according to a Sept. 24 announcement. Amount specializes in unified, cloud-native account origination and decisioning for deposits, lending and card services. The platform has processed more than 150 million new account applications across consumers and small to […] The post FIS acquires Amount to boost its digital banking solutions appeared first on Bank Automation News. https://lnkd.in/gPR3g5vg via Bank Automation News https://finainews.com/ October 3, 2025 at 02:50PM