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UNLOCKING REVENUE FOR DEBIT CLIENTS

Kipp for Issuers: Reducing Insufficient Funds (NSF) Declines

The challenge: NSF (Non-Sufficient Funds) declines are a persistent issue for card issuers, with industry data showing that 60% of failed payments occur due to insufficient funds. These declines contribute to billions in lost transaction volume annually, reducing interchange revenue and damaging customer relationships. In addition to revenue loss, issuers face increased customer frustration and … Read more

Understanding Card Decline Codes (and what to do)

Declined transactions frustrate cardholders and issuers alike. For issuers, managing declines strategically can improve approval rates, reduce friction, and enhance customer trust. Decline codes are responses from the card issuer or payment processor indicating why a transaction was unsuccessful. These codes typically fall into three main categories: soft declines, hard declines, and issuer-specific declines. For … Read more

3 Pillars for Card Issuers in 2025

In our recent webinar, Nathan Joel, Head of Sales, shared how issuers can stay top-of-wallet in 2025. The focus? Three key pillars: Personalization, Partnerships, and Trust. These pillars are essential for issuers looking to reduce declines, optimize authorization rates, and build stronger customer relationships. 1. Personalization: Driving Cardholder Preference Consumers demand seamless and personalized payment … Read more

3 Factors to Win Top-of-Wallet

The Challenge  40% of inactive cardholders eventually switch to another provider.  In a market flooded with payment options, issuers must act fast to secure and maintain top-of-wallet status. Consumers today have more choices than ever – credit and debit cards, digital wallets, APMs, BNPL services, and contactless payments. New payment technologies continuously reshape consumer preferences, … Read more

How Reducing NSF Declines Improves Financial Inclusion

For millions of Americans, financial stability remains a distant goal. Systemic barriers, such as limited access to affordable credit and the frequent use of certain banking practices and fees disproportionately affect underserved communities. However, a growing wave of innovation led by neobanks and progressive financial institutions is reshaping the landscape of financial inclusion. Understanding Financial … Read more

Top 5 Trends in Banking Technology for 2025

As we step into 2025, financial institutions are investing in innovative technologies to stay competitive and meet new challenges. Here are top five banking technology trends to watch in the year ahead: 1. AI and Automation in Banking Operations Artificial intelligence (AI) and automation are reshaping banking operations by driving efficiency, reducing costs, and unlocking … Read more