{"id":5553,"date":"2024-07-01T12:38:59","date_gmt":"2024-07-01T07:08:59","guid":{"rendered":"https:\/\/zv3d.wpengine.com\/us\/?p=5553"},"modified":"2025-01-31T16:17:56","modified_gmt":"2025-01-31T10:47:56","slug":"expert-insights-on-the-4-stages-of-card-program-maturity","status":"publish","type":"post","link":"https:\/\/www.zeta.tech\/us\/resources\/blog\/expert-insights-on-the-4-stages-of-card-program-maturity\/","title":{"rendered":"Expert Insights on The 4 Stages of Card Program Maturity"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">I had the privilege of moderating a webinar with an <\/span><span style=\"font-weight: 400;\">all-star panel on the modernization of card programs a few days ago<\/span><span style=\"font-weight: 400;\">. We were discussing the release of a new report by Datos Insights on the four stages of card program maturity called <a href=\"https:\/\/www.zeta.tech\/us\/resources\/datos-report-on-card-program-evolution-with-modern-tech\/\" target=\"_blank\" rel=\"noopener\">Escaping the Legacy Card Tech Hamster Wheel<\/a>. Joining me on the panel were:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">David Shipper:\u00a0 Strategic Advisor at Datos Insights focused on retail banking and payments. He is the author of the report, which is based on his interviews with payments executives at banks, as well as Datos Insights&#8217; research and expertise in payments.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Alan Ng: Managing Director of Payments Technology Consulting for Accenture. He brings over 20 years of consulting experience in payments technology and cash management modernization for global banks.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Alex Johnson: Founder of the popular newsletter and podcast Fintech Takes, which is focused on the intersection of financial services, technology and public policy.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It was a great conversation and I&#8217;d urge you to watch the <a href=\"https:\/\/www.zeta.tech\/us\/events\/card-program-evolution-webinar-video\/\" target=\"_blank\" rel=\"noopener\">full webinar <\/a><\/span><span style=\"font-weight: 400;\">here<\/span><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"> We covered a lot of topics through the 45-minute conversation, but I&#8217;d like to call out the following highlights in this blog.<\/span><\/p>\n<ol>\n<li><a href=\"#fourstages\">The four stages to card modernization<\/a><\/li>\n<li><a href=\"#risks\">The risk of the status quo<\/a><\/li>\n<li><a href=\"#modernplatforms\">What modern platforms can unlock<\/a><\/li>\n<\/ol>\n<h2 id=\"fourstages\">1. The 4 stages to card modernization<\/h2>\n<h3>Issuers can unlock important benefits at every stage<\/h3>\n<p>David shared the key findings of his report around the 4 stages of card program modernization.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-5554\" src=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/06\/DatosSlide4Stages.png\" alt=\"4 Stages of Card Program Maturity Datos Insights\" width=\"915\" height=\"516\" srcset=\"https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/06\/DatosSlide4Stages.png 915w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/06\/DatosSlide4Stages-300x169.png 300w, https:\/\/www.zeta.tech\/us\/wp-content\/uploads\/sites\/2\/2024\/06\/DatosSlide4Stages-768x433.png 768w\" sizes=\"auto, (max-width: 915px) 100vw, 915px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">While he highlighted the benefits of the modernized and transformative stages of card maturity, David focused on the importance of issuers getting started on the journey to modernization, as every step unlocks significant benefits for the issuer. For example, testing with sidecar implementations as the first step can be complicated to manage operationally, but it is a step in the right direction and will deliver many benefits to the issuers and cardholders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another major finding that David highlighted was the limitation of modernizing a card platform and stopping there. <\/span><\/p>\n<div class=\"zqoute-pattern__block\">\n<p>\u201cWe see that\u2026a card program doesn&#8217;t operate in a silo. The card platform interacts with other platforms. So\u2026a transformative card program is a really high bar that begins with (modernizing) the card platform but ends with everything else, like a modern core, or modern underwriting, or any platform that influences the card program being modernized.\u201d<\/p>\n<p style=\"text-align: right; font-size: 24px !important; margin-bottom: 0px !important;\"><strong>-David Shipper,<\/strong> Strategic Advisor, Retail Banking &amp; Payments, Datos Insights<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The report presents the benefits of such a transformative state in full detail.<\/span><\/p>\n<h3>Card executives take as much time deciding whether to modernize as actually doing it<\/h3>\n<p><span style=\"font-weight: 400;\">When asked to share some practical guidance on what it would take for banks and credit unions to get moving on modernization, and perhaps advance from stages 2 to 3, or even to stage 4, Alan backed David on the importance of getting the processing of modernization started.\u00a0 <\/span><\/p>\n<p><span style=\"font-weight: 400;\">He explained that at Accenture they assume the fastest modernization project would take 2 years and this can go up to 3 years, depending on the size and complexity of the portfolio. He felt that these<\/span>\u00a0timelines &#8211; 2 to 3 years &#8211; are reasonable. What makes them artificially longer, is how long executives take to consider whether or not they should modernize.<\/p>\n<p><iframe loading=\"lazy\" id=\"video-iframe\" style=\"width: 100%; height: 520px;\" title=\"YouTube video player\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/Cq3HBKEIU_8?si=VkyIpxJKjAuWrsn3&amp;rel=0&amp;showinfo=0&amp;autohide=1\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2 id=\"risks\">2. Risks of the status quo<\/h2>\n<h3>The biggest risk of status quo is the diversification of payment types<\/h3>\n<p><span style=\"font-weight: 400;\">When asked for his perspective on the risks of staying with the status quo, Alan pointed towards the growing diversification of payment types.<\/span><\/p>\n<div class=\"zqoute-pattern__block\">\n<p>\u201cI would say the most important risk or opportunity on the horizon is the diversification of the payment methods. To me, that is the&#8221;killer&#8221; for legacy processors because they can\u2019t handle anything other than cards. We\u2019re seeing the emergence of new payment types &#8211; buy now pay later is just the beginning &#8211; in other geographies and sooner rather than later, they will arrive in the US.\u201d<\/p>\n<p style=\"text-align: right; font-size: 24px !important; margin-bottom: 0px !important;\"><strong>-Alan Ng,<\/strong> Managing Director, Payments &amp; Technology Consulting, Accenture<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<h3>The survey showed surprising insights on the sacrifices made by card executives<\/h3>\n<p><span style=\"font-weight: 400;\">In sharing his observations from the interviews he did for the report, David shared some often heard frustrations of card executives with their legacy providers.<\/span><\/p>\n<p><iframe loading=\"lazy\" id=\"video-iframe\" style=\"width: 100%; height: 520px;\" title=\"YouTube video player\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/aqUOsYST3EM?si=0SM7WQEAD3OyhAPc&amp;rel=0&amp;showinfo=0&amp;autohide=1\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>David also mentioned some factors that surprised him in the course of his interviews. One, is the number of migrations from one legacy platform to another legacy platform, with similar limitations. The other surprise was the sacrifices card executives have to make in working with a best-of-breed or vendor of their choice because they are not pre-integrated with the legacy platform.<\/p>\n<h2 id=\"modernplatforms\">3. What modern platforms can unlock<\/h2>\n<h3>Fintechs are using modern issuance platforms to reimagine cards in 3 different ways<\/h3>\n<p>I asked Alex how the most innovative non-banks are disrupting payments, and how banks and credit unions should be thinking about these competitive threats.<\/p>\n<p>He explained that fintechs are using modern card issuance to innovate in the following three ways:<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\">The card as a product<\/span>: Innovations in how the card is expressed to the customer, from virtual cards with newer capabilities like subscriptions, to Visa\u2019s new flexible credential that allows tying up debit and credit funding sources to the same card.<\/li>\n<li><span style=\"text-decoration: underline;\">The card as a business model<\/span>: Fintechs are moving beyond debit cards with Durbin exempt interchange rates <span style=\"font-weight: 400;\">to charge cards and credit cards with modern platforms that can support<\/span> both, debit and credit cards.<\/li>\n<li><span style=\"text-decoration: underline;\">The card as a data and engagement layer<\/span>: Some of the most innovative digital-native issuance products do not have a card as the core product. For example, Ramp is a corporate expense management software and their card is just what the customers use to transact and transmit real-time data to the software.<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" id=\"video-iframe\" style=\"width: 100%; height: 520px;\" title=\"YouTube video player\" src=\"https:\/\/www.youtube-nocookie.com\/embed\/umPcAU3JIBE?si=7oMEkOKV60tPBHvr&amp;rel=0&amp;showinfo=0&amp;autohide=1\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h3>Banks in the corporate card space are embracing more modern technology<\/h3>\n<p>Alex also used the example of banks in the B2B space to highlight how incumbents are using modern technology to become more competitive. For example, corporate card issuers are using modern issuance platforms to offer more APIs around their cards to allow other fintechs and ecosystem players to develop capabilities around them. This means that a fintech can develop their corporate expense management software around the issuer\u2019s cards, instead of launching their own.<\/p>\n<p>This is a smart competitive move by banks that ensures that their cards are available within modern fintech software that customers want to use.<\/p>\n<p>He also referred to David\u2019s report and called out how clearly it highlights the compounding benefit of being able to move fast, iterate on different parts of your platform, interact with other systems and other players, and enable the kind of decentralized innovation that banks and credit unions see in fintechs and big techs.<\/p>\n<p><span style=\"font-weight: 400;\">I couldn\u2019t agree more. You can access the complete <\/span><a href=\"https:\/\/www.zeta.tech\/us\/resources\/datos-report-on-card-program-evolution-with-modern-tech\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Datos Insights report here<\/span><\/a><span style=\"font-weight: 400;\">. And if you\u2019d like to catch more of these brilliant insights, you can view the <\/span><a href=\"https:\/\/www.zeta.tech\/us\/events\/card-program-evolution-webinar-video\/\"><span style=\"font-weight: 400;\">complete webinar here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Experts from Datos Insights, Accenture, and Fintech Takes explored legacy technology risks and how modern platforms drive innovation, outlining 4 stages of transformational change.<\/p>\n","protected":false},"author":18,"featured_media":5555,"comment_status":"open","ping_status":"open","sticky":false,"template":"single-new.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[21],"class_list":["post-5553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cards-payments","tag-next-gen-processing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v25.1) - 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A 20+ year silicon valley industry veteran, Gary has an extensive knowledge about the fintech industry and holds multiple patents in the mobile and wireless industry. At the core, Singh is a business and product guy, who understands how to build and take new and innovative products and services to disrupt status quo markets. Prior to joining Zeta, Singh was the Chief Revenue Officer at Ondot Systems. He has also held executive level positions at Obopay, Nokia Financials Services and Aruba Networks. He comes with over a decade of experience at Zebra (through multiple acquisitions \u2014 Motorola Solutions enterprise division and Symbol technologies), where he helped pioneer the WiFi market to automate supply chain operations. At Zeta, Singh is responsible for the company\u2019s go-to-market, operations, growth and overall financial performance in North America.","sameAs":["https:\/\/www.linkedin.com\/in\/garysingh1\/"],"url":"https:\/\/www.zeta.tech\/us\/resources\/blog\/author\/garysingh\/"}]}},"_links":{"self":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts\/5553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/comments?post=5553"}],"version-history":[{"count":0,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/posts\/5553\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/media\/5555"}],"wp:attachment":[{"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/media?parent=5553"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/categories?post=5553"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.zeta.tech\/us\/wp-json\/wp\/v2\/tags?post=5553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}