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  • 3 debit trends to watch in 2019

    first_img 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Debit cards remain one of the most frequently used forms of payment. 70 billion debit transactions take place each year in the U.S. alone. According to the latest study from the Federal Reserve, debit card transactions made up 67 percent of all card payments in 2017.But while debit usage appears to be growing, the debit channel is quickly evolving alongside changing consumer expectations. “While debit remains such a strong payment vehicle for us all, some important new market dynamics are changing the way we think about debit,” said Dr. Kathy Snider, SVP, Debit/Prepaid and Shared Branch Product for CO-OP.  “For example, we’re starting to experience the rise of P2P, along with the decline of cash payments.  So, this is a market in flux, and the transformation has implications for credit unions.”Optimizing your debit program requires a deeper understanding of how and where your members are engaged in and using their debit cards. To help credit unions build a roadmap for debit portfolio optimization, CO-OP partnered with Mastercard and Mercator Advisory Group to conduct a comprehensive study of the debit industry. The study analyzed survey responses from more than 240 U.S. credit union executives related to debit card usage, issuance, and management.Here are three of the most impactful debit industry trends discovered in the report:1. The Future is DigitalWhile ATMs and in-store payments dominate debit card transactions, the proliferation of mobile phones and the shifting demographics of debit card users is quickly changing the debit experience.  80 percent of survey respondents believe that offering members the ability to manage their debit accounts with a mobile device is extremely important. A full 87 percent of survey respondents offer their members service through a mobile app, and 55 percent report that members have enrolled their debit cards in mobile wallets.However, mobile debit card usage still has a long way to go. Members are still reluctant to set their debit card as the default card for mobile payments. Additionally, less than 50 percent of credit unions are actively marketing their mobile debit solutions. This represents a huge missed opportunity for credit unions. Credit unions must focus on promoting debit as a viable option for mobile wallet payments and then encourage active card management through features like card controls and alerts in order to meet their members’ digital expectations. 2. Increasing Activation and Usage Will Be Key to PFI StatusCredit unions are relying on a variety of tactics to encourage members to activate and use their debit cards. Instant card issuance is among the most prevalent strategy, with 63 percent of survey respondents currently offering or planning to offer it. As a result, they are seeing a higher ratio of debit cards to checking accounts. Nearly 40 percent of respondents indicate their credit unions have achieved a 70 percent or greater debit card-to-checking account ratio due in large part to instant issuance.Debit rewards are another promising tool for increasing debit card usage. 55 percent of respondents said they are considering or actively offering debit loyalty rewards. However, the cost of launching and maintaining these programs, as well as changes in the way merchants handle signature vs. PIN transactions, are leading credit unions to re-evaluate the benefits of debit rewards – even if they are not discontinuing these programs altogether.  3. Fighting Fraud With Advanced Data-Driven Tools Our study revealed that 50 percent of debit fraud occurs without a physical card present, either through an online or phone transaction or as a result of card skimming. Credit unions are increasingly concerned about card-not-present fraud, particularly as it can deter members from using debit for online transactions.Leveraging account-based fraud mitigation tools delivered by industry-leading processors was said to be extremely effective by 41 percent of our survey respondents. Particularly now that members are transacting on multiple channels, account-based fraud mitigation tools that provide a more comprehensive view of a member’s transaction activity are far more effective than manual review of individual fraud cases. That is what CO-OP’s COOPER fraud mitigation solution aims to do by using a 360-degree view of the member to detect and adapt unusual spending patterns.Planning Your Debit Strategy for 2019While the credit unions who participated in our survey expressed optimism around the continued growth of their debit offerings, all agreed that meeting member expectations will be increasingly challenging. Delivering an omni-channel debit experience will require a comprehensive set of solutions designed to turn your debit offering into a differentiator. Read the 2018 Debit Benchmark Study to discover where credit union members are engaged in and actively using debit products and discover strategies to help boost debit penetration, activation and usage.last_img read more

  • The biggest fair of healthy eating this year in Malinska

    first_imgThis year, too, the Food Revolution Day is being held in Malinska, which was launched in Croatia on the initiative of an enthusiast, Sabine Barbiš. This event, which was launched primarily for the purpose of educating people, is now gathering a large number of people for the third year in a row and enjoys the growing support of the Tourist Board. The rich program, which includes the fair, begins on Saturday, May 26, and on that day the Food Revolution, the movement of the famous chef Jamie Oliver, is celebrated all over the world to promote healthy eating, healthy living, local food production and purchase. public institutions.For the visitors of the event, which will be held at SRU Lastavice, the stars of the Masterchef show will cook again, some for the third year in a row, and some for the first time: Ratko Iveković, Časlav Matijević, Šime Sušić and Ante Martić. All of them, out of love for (real) food and faith in the goals of this project, volunteer to cook imaginative free meals!They will be joined by the medical staff of the Health Center of the Primorje-Gorski Kotar County, which will complete the whole of this health promotion from 14 pm to 18 pm, by testing blood pressure and blood sugar and talking to visitors. Also, there will be a mini eco fair throughout the day, where local producers of healthy food and natural cosmetics will present themselves.From 10 am to 16 pm, while the Masterchefs are preparing lunch, in the premises of the Municipality of Malinska, a series of lectures by nutritionists, doctors and psychologists was organized on the topic of healthy nutrition of children; lectures on basic foods and balanced adult nutrition; testing the proportion of muscle and fat tissue of the body and basal metabolism; presentation of effective exercises of a renowned personal trainer; a lecture on the importance of probiotics and lectures on soil fertility and organic food production and on the psychology of nutrition, for example, conscious eating and emotional craving for food.In cooperation with HACPN (Croatian Academic Center for Applied Nutrition), a survey on the nutrition of primary school children has been conducted for several years. Although they live on the island, where healthy food is available and the influence of grandma’s kitchens is still strong, although some schools and kindergartens declare themselves as “eco”, which includes a healthy menu for the little ones, it is surprising how unhealthy children actually eat.The Food Revolution is just aimed at children and their parents. Through such public actions, the community becomes acquainted with the movement and its goals. In small steps, a program of education of parents and children is created, so that they know the basics of a healthy diet and so that children grow into healthy people full of energy and potential for learning. You can join Food Revolution by cooking on Food Revolution Day (amateur chefs are also welcome), spreading the word about the event or as a sponsor, for example groceries. The movement is entirely voluntary and non-profit and as such depends on sponsors.As we have already written, the most beautiful feature of a tourist offer that has the greatest potential to cause all the consequent changes to the cultural offer, economic profit and the economy as a whole are manifestations. And this beautiful and healthy story from the island of Krk shows us that we can do a lot, that only will and work are important, and that work over the years is recognized and respected by institutions.We must mention that the pre-season is still going on, but this could not be a nicer overture to the summer season on Krk.last_img read more

  • Corrie Sanders: Ex-heavyweight champion dies in shooting

    first_imgFormer heavyweight world boxing champion Corrie Sanders has died after being shot during an armed robbery.The 46-year-old was attending a family celebration at a restaurant near Pretoria in his native South Africa. He died in hospital.Sanders pulled off one of boxing’s major shocks when he beat Wladimir Klitschko to win the WBO heavyweight title in 2003.He retired in 2008, having won 42 of his 46 fights.A police spokesman said Sanders was attending his nephew’s 21st birthday party when gunmen entered the restaurant.“In the midst of the celebrations, about three suspects came in,” the spokesman explained. “They were planning to commit an armed robbery. Then in the armed robbery they shot randomly. Corrie was shot in the hand and also the stomach. “They fled with a digital camera and also a handbag of one of the people who was in the restaurant.”Police have not yet made any arrests but the spokeman said they were “in hot pursuit”.Sanders vacated the WBO title in December 2003 to concentrate on a challenge against Wladimir’s older brother Vitali for the vacant WBC belt.But he was stopped in the eighth round of the fight at the Staples Center in Los Angeles. Sanders retired in December 2004 after beating Alexei Varakin in the second round of their contest in Austria, but returned to action two years later.He lost his final bout, against Osbourne Machimana, for the South African heavyweight title in February 2008.last_img read more

  • B&H With 5 Athletes in Sochi

    first_imgThe B&H Olympic Committee (OC) organized today an official escort on the occasion of the departure of B&H representatives to Sochi.The President of B&H OC Siniša Kisić wished the B&H Olympic athletes good luck, emphasizing that he is sure that they will give their best to represent themselves and B&H in this competition.Member of the Presidency of the B&H OC Izet Rađo stressed that the Committee has done everything to provide to these athletes quality preparations.“Through projects, B&H OC has invested 291.000 BAM for the preparations. I want to say that B&H OC does not fund top sports in B&H and that is a duty of the government”, said Rađo.Laikert will be the first from the B&H team to compete in Sochi on 9 February in the downhill. Also, he will compete on 14 February, 16 February, 19 and 22 February in other alpine sport categories.Žana Novaković will compete on 18 February in the super giant slalom and in the slalom on 21 February, and Marko Rudić will take part in the super giant slalom on 19 February and in the slalom on 22 February.Tanja Karišik will compete in cross-country skiing in two disciplines (free sprint on 11 February and the 10 km classic on 13 February), and in the biathlon (sprint of 7,5 km on 9 February and 15 km individual on 14 February.Mladen Plakalović will compete on 11 February in cross-country skiing sprint freestyle and on 23 February in the group start to free style skiing.The B&H Delegation will travel to Sochi on 4 February.(Source: Fena)last_img read more