Digital Insight and PSCU announced the rollout of a new service that provides credit card account access alongside checking and savings information in online and mobile apps.
Known as Card Management Services for Digital Banking, the service gives consumers a way to manage credit card accounts via web browsers, smartphones and tablets.
These new features are designed help reduce the costs associated with credit card fraud and call center inquiries.
The Duluth, Ga.-based Digital Insight, an NCR company, and the St. Petersburg, Fla.-based PSCU's platforms integrate APIs, which allow credit card account and transaction data to flow between the two platforms in real time. Digital Insight uses PSCU's Data eXchange middleware for real-time integration.
Mutual customers of Digital Insight and PSCU can offer consumers the ability to cancel a credit card permanently, report a lost or stolen card and temporarily suspend a card online using self-service tools. Consumers can also view their credit card accounts and transaction history in real time.
The $1.7 billion Alexandria, Va.-based State Department Federal Credit Union has been piloting the solution since this spring. Initial reactions from the credit union and its members have been positive, according to a Digital Insight press release.
"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 members' hands using one seamless user interface," SDFCU Director of eStrategy and Innovation Angel Baltimore said. "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."
More than 120 PSCU owner credit unions use Data eXchange's open architecture.
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Roy Urrico
Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).
