Digital Insight, an NCR company, and PSCU, a credit union service organisation, have launched their new credit card management services that will allow users to access credit card accounts alongside current and savings accounts in online and mobile banking applications.
The new service, known as Card Management Services for Digital Banking, provides consumers a fast and easy way to manage their credit card accounts through web browsers, smartphones and tablets.
Using the new service, Digital Insight and PSCU’s customers can cancel their credit card permanently, report a lost or stolen card and temporarily block a card online in a self-service manner.
Customers also can check their credit card accounts and transaction history in real time. All of these new functionalities help in slashing the costs associated with credit card fraud and call center inquiries.
Digital Insight and PSCU’s platforms integrate application program interfaces (APIs) that enable credit card account and transaction data to move between the two platforms in real time.
Digital Insight uses Data eXchange middleware from PSCU for real-time integration. The State Department Federal Credit Union (SDFCU) has been piloting the solution since this spring.
SDFCU director of strategy and innovation Angel Baltimore said: "We are always listening to our members and know that integration is a key component to providing the exceptional experience they want from 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."