DULUTH, Ga./ST. PETERSBURG, Fla.–Digital Insight, a unit of NCR, and PSCU have announced new credit card management capabilities the two companies say will enable consumers to access credit card accounts alongside checking and savings accounts in online and mobile banking apps.
“Known as Card Management Services for Digital Banking, the new service will give consumers a fast and easy way to manage their credit card accounts via web browsers, smartphones and tablets,” the two companies said in a statement.
Credit unions that are customers of Digital Insight and PSCU will be able to offer their consumers the ability to cancel a credit card permanently, report a lost or stolen card and temporarily suspend a card online in a self-service manner. Consumers also can view their credit card accounts and transaction history in real time.
Digital Insight and PSCU said that all of these new features help reduce the costs associated with credit card fraud and call center inquiries.
“Digital Insight and PSCU’s platforms integrate APIs, which allow credit card account and transaction data to flow seamlessly between the two platforms in real time,” the two companies said.
Digital Insight uses PSCU’s Data eXchange middleware for real-time integration. More than 120 CUs that use PSCU have leveraged Data eXchange’s open architecture to provide the functionality and the enhanced service experience that members are demanding, according to the two firms.
State Department FCU has been piloting the solution since Spring.
"We are always listening to our members and know that integration is a key component to providing the exceptional experience they want from SDFCU,” said Angel Baltimore, director of eStrategy and innovation at SDFCU. “By partnering with Digital Insight and PSCU, we were able put fraud fighting card controls in the palm of our member’s hands using one seamless user interface. Our members can now control when their cards can be used by turning them off and on, ultimately reducing fraudulent transactions over time. If by chance a card is compromised they can also report the card lost or stolen with the tap of a button."