Issuing (Commercial)

Card issuing has become a major component of the retail banking mix as financial institutions implement new channels to serve their current account and lending customers.

Large non-bank brands (e.g. supermarkets, mobile operators) frequently complement their core propositions with a payment card programme.



There are different challenges associated with different card products, whether credit, debit, Corporate/Charge or prepaid; and whether the customer base is consumer or corporate / business.

One common theme is that card issuers are operating in an increasingly competitive marketplace with relatively low barriers to entry and minimal switching costs for cardholders. Another common theme is capitalising on the potential of mobile smart devices.

Key questions by issuing product:

Credit – how do I identify and retain my most profitable cardholders? How can I improve profitability in the context of reduced credit appetite?

Debit – how can I drive incremental value from my debit portfolio?

Corporate – how do I offer a consistent proposition across multiple regions to multi-national corporate clients? Where should I self-issue and where should I partner (and with whom)? How should I compete against new entrants

Prepaid – what types of prepaid product have the most profit potential? How does this vary between customer segments and across different geographies?

At the same time, regulators around the world continue to apply downward pressure on interchange; this forces issuers to consider their business models and seek new sources of income.

Key questions:

  • How can I de-risk proposed portfolio acquisitions and integrations?
  • How can I drive activation and usage of my cards?
  • What processor should I use?
  • What is the optimum approach to managing credit and fraud risk across my customer base?
  • How can I improve the cost efficiency and service quality of my customer service operations?
  • What are the implications for my business of the rise of smartphones and tablets?
  • How do I avoid disintermediation as non-traditional competitors enter the market with digital wallets?
  • Should I capitalise on the potential of Near Field Communication (NFC)? If so, how and when?
  • Should I think about adopting biometric authentication methods?

Why Choose Accourt

We have a team of high calibre individuals who have successfully managed numerous Regulatory and Payment Scheme applications for organisations wishing to apply for full banking, electronic money and PI licences. Our seasoned experts have both the relevant IP, hands-on experience and operational know-how to ensure successful applications.

Strategic Expertise

Whether it’s helping organisations set strategic direction or review market opportunities, Accourt brings a wealth of experience and subject matter expertise to the payments space. One of the key differentiators at Accourt in assisting the payments industry with setting strategic direction is the strong subject matter expertise and practical operational know-how gained through deep managerial experience and P&L management.

Market Knowledge

Accourt brings real market knowledge across the payments value chain including providing organisations with market in-sights as well as assisting organisations to move into parallel markets or extending their current product set to address market segments previously underserved. At Accourt we pride ourselves on having the in-market geographic intimacy and breath of product expertise to assist in organising and implementing effective market entry plans  to achieve agreed business goals.


Accourt has built a reputation around its strong delivery capability, this has been achieved through marrying our subject matter expertise with proven project and programme management to deliver the desired client outcome. From product/vendor selection right through to programme delivery and business as usual, Accourt has the skills and knowledge to de risk and underwrite the success of projects in the payments industry.

Operational Effectiveness

Accourt assists clients with improving their operational effectiveness through cost reduction, streamlined processes and improved revenue contribution. Whether it’s benchmarking current performance against best in class or looking to reduce cost through operational efficiencies, Accourt has a wealth of operational expertise, performance data and proven processes to help organisations achieve their business goals.