Industry White Papers
PSCU Financial Services Industry White Papers are designed to define the opportunity for each solution it offers to give you the tools needed and a competitive edge to capitalize and expand on your assets. These White Papers provide you with in-depth tangible information. They give a “strategic roadmap” featuring tactical, practical and proven methods and information you can use to improve operations and grow your assets. As a good corporate citizen we invite you to download these White Papers now.
Whitepapers
Best Practices for Collections White Paper
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Best Practices and Solutions to Minimize Card Fraud
Presents the tactics that individuals and businesses can take to protect themselves and reduce the number of credit card fraud cases, along with best practices for compliance to existing standards, and more. Click here to complete the white paper form prior to downloading it. Thank you! |
Selling Consumers on eStatements
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State of Credit Card Fraud
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Collections in the Current Economy
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Presents the latest strategies, techniques and technologies to help improve collections initiatives. The paper also includes an overview of PSCU Financial Services’ TOTALCollections solution.
Presents the issues that keep consumers from embracing eStatements and explores ways that credit unions can successfully promote them to their members. 
Presents the current state of fraud, types of fraud,
the methods scammers employ, and some prevention basics.
Outlining the collections challenges created by the combination of a difficult economy and expanded consumer debt.
ATM Deployer Study
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STAR Consumer Payments Usage Study
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Payment Fraud: Protecting Your Debit Business
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Getting The Most From Debit
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Influencing How the Next Generation of 'Seniors' Will Pay
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Changes in the ATM industry have prompted many deployers to re-evaluate the role of the ATM. Whether deployers percieve the ATM as purely a cash dispenser, or a key customer delivery channel will have important implications for their future strategy.
This study, conducted annually for more than a decade, is one of the largest and most comprehensive of its kind. Consumers are surveyed regarding ATM and POS usage to gain insight into their behavior, attitudes, spending patterns and interest in new products and services. These findings can help financial institutions strengthen and expand their debit card services.
The protection of consumer’s accounts and personal data is a growing concern for financial institutions and consumers across the country. This guide was developed, by STAR, through an analysis of industry literature and interviews with industry experts. It provides information on fraud affecting debit to help managers develop forward thinking strategies and tactics to protect their debit business.
This report summary highlights how credit unions can maximize efficiency, service and financial returns with the integration of Signature Debit and PIN.
This report summary provides insights on different strategies that can be used for shaping the payment behavior of boomers 50+.
The Future of Payments
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Using Online Tools and Services to Attract and Retain Members Part 1
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Using Online Tools and Services to Attract and Retain Members Part 2
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The Rise of Mobile Banking
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Banking on the Power of the Web
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Mobile Security White Paper
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Mobile Banking it’s Time to Getting MovingHighlights how mobile banking will profoundly influence the distribution of retail banking services in the coming years. Click here to complete the white paper form prior to downloading it. Thank you! |
Building the Right Online Banking Solution
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A Versatile Medium Serving Versatile Needs
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The E-Banking OpportunityOutlines the current online market and the power it presents. Banks have traditionally had a resource advantage over credit unions, but online banking is helping to narrow that gap. This paper examines the adoption and growth of e-banking, the overall online opportunity it represents and the components that comprise a robust online solution. Click here to complete the white paper form prior to downloading it. Thank you! |
This paper provides an overview of the changing payments landscape, and the role that new payment systems will play in the future. 
This paper includes the latest research on cost savings and profitability of eCommerce solutions including bill pay and mobile banking. 
This paper includes the latest research on cost savings and profitability of eCommerce solutions including bill pay and mobile banking. 
This white paper on Mobile Banking includes the latest statistics on market adoption, leading trends, new innovations and much more. 
Never has there been a better time for credit unions to compete against other national and local
Analysts such as Javelin Strategy & Research indicate that adoption of mobile financial services applications will accelerate as the perceived security of solutions by consumers’ increases.
The third issue in our series discusses what credit unions and members are seeking in an online banking solution and the core attributes that matter in marketing it.
Payroll Program Opportunity
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Achieving Profitability with Prepaid Cards
“Achieving Profitability with Prepaid Cards”, a PSCU Financial Services Business Prepaid Focus white paper highlighting the growth in, and potential profitability of, prepaid credit cards. This edition covers a brief history of the market, the growth possibilities, the benefits for credit unions, bestpractices, and more. Click here to complete the white paper form prior to downloading it. Thank you! |
A Case for Prepaid
“A Case for Prepaid Cards” presents a snapshot history of the prepaid card market, along with information on:
Keep your credit union moving with the times. Click here to complete the white paper form prior to downloading it. Thank you! |
The Prepaid Opportunity
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Outlines the Prepaid Payroll Programs and their growth opportunities for credit unions, providing an alternate avenue for using prepaid debit cards for employee payments. Presents benefits to credit unions, consumers and employers as well as best practices for implementing and marketing a prepaid payroll product.
The market for prepaid cards has grown exponentially during the past decade. “Reloadable”cards offer a range of benefits for credit unions and their members.
The trend toward a “cashless society” continues, and prepaid cards, especially those for gift-giving, are part of card-based transactions displacing paper-based ones. Credit unions with prepaid card programs are in a prime position for profiting from this growing market.
Highlights how Prepaid technology presents credit unions with a fresh new opportunity to serve existing members, reach out to new market segments, and expand their brand recognition.
Optimizing Card Products for Small Business
This paper is devoted to optimizing credit union card programs targeting SMBs. It looks at the latest trends in SMB card programs and why cards are an important tool for reaching business members. It also discusses the difficulties SMBs now face in qualifying for credit, the card product solutions they need, and how credit unions can make their SMB cards more competitive. Click here to complete the white paper form prior to downloading it. Thank you! |
Optimizing Branches for Small Business
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Gen Y: Building a Continuum
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SMBs: A Unique Marketing Environment
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Filling the Financial GapThis white paper discusses the reasons credit unions are better positioned than ever to serve the market. It offers an overall perspective on the services that small businesses use most often and illustrates the methods that credit unions are using to meet the market’s needs. Click here to complete the white paper form prior to downloading it. Thank you! |
The Small Business OpportunityWith larger national and regional banks struggling, and with small businesses losing faith in those institutions, the time is right for you to broaden your offerings. To help you find new small business customers, we’ve developed the Business Focus White Paper Series. Click here to complete the white paper form prior to downloading it. Thank you! |
Data Drives the ProgramThis white paper provides vital information about data and how it can give you deep insights into the market and its importance in driving your small business programs. Click here to complete the white paper form prior to downloading it. Thank you! |
Gen Y: A Generation of OpportunityY: A Generation of Opportunity is a series of three white papers focusing on the opportunities Generation Y represents for credit unions and the strategies and practices likely to be most effective in realizing those opportunities. Click here to complete the white paper form prior to downloading it. Thank you! |
Presents branch-level strategies to help boost the
impact of SMB outreach and service efforts.
The focus of this paper is creating an effective approach to achieving that goal by building a continuum of age-appropriate products and services that can be introduced to younger consumers in stages matched to their level of maturity and accompanying financial services needs.
This white paper outlines the two-fold set of challenges in selling financial services into the SMB market.
Call Centers: A Valuable Resource in Challenging Times
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The Trend Toward Alternative Delivery Channels White Paper
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Extending Your Credit Union’s Service: The Key Metrics to Consider When Optimizing Your Call CenterYour call center is often the primary method members use to contact you. It’s also one of the easiest channels to generate revenue from. So, how do you optimize your call center to be both cost effective and provide quality service levels? The answer that most credit unions are turning to is leveraging the power of an external call center. This white paper takes a close look at the key call center metrics to consider to achieve the ideal balance needed to manage costs, grow revenue, and maintain the level of service quality that builds loyalty and satisfaction. Click here to complete the white paper form prior to downloading it. Thank you! |
Third-party call centers offer credit unions the scalability, flexibility, and business continuity they need to provide optimum member support in a cost-effective manner.
Efficiency, flexibility, scalability, and cost-reduction are drivers behind credit union efforts to boost adoption of alternative delivery channels, and contact centers play a critical role.