Financial Services

Service Offerings

Infosys BPM offerings for credit cards

Whether you’re a card acquirer, processor or issuer, you can leverage Infosys BPM’s comprehensive offerings, which are augmented by our deep domain expertise and a laser-sharp focus on operational excellence.

Challenges and opportunities

The card industry is in a perfect storm. Record charge-offs are occurring at a time of increased government regulation. A few analysts suggest that the days of credit cards as a profitable standalone product are over. This brings sharply into focus the debate about the future of the industry, which is currently split between more diversified banks and monoline issuers. It is likely that all issuers may need to consider a portfolio of options, innovating in some areas while pulling back in others.

Infosys BPM can help you overcome the following:

  • Increasing cost pressures: Drive down operational costs with the help of Infosys Global Delivery Model (GDM) and through new efficiencies delivered by Infosys BPM
  • High error and reject rate in downstream processes: Our automation solutions can help you overcome issues posed by manual data entry of origination documents.
  • Increased fraud and default results: Leverage our services and offerings that focus on compliance and fraud prevention
Infosys BPM offerings for credit cards

Our offerings

  • Credit card origination process offerings – Covers activities like application processing, account setup, underwriting support, and data verification.
  • Credit card servicing offerings – Spans account maintenance, account fulfillment requests, and payments and settlement activities.
  • Other offerings – Includes handling queries related to chargebacks, reconciliations, default management, fraud recovery, risk modeling, monitoring suspicious transactions, early / mid / late stage collections, and account closures.
Infosys BPM offerings for credit cards

The Infosys BPM advantage

Infosys BPM offers an end-to-end process outsourcing solution that helps credit card companies transform their business processes, raise business performance, and standardize process with a reduced cost structure.

The recognition we have received from the industry validates the business value we provide to our credit cards clients. Infosys BPM is the recipient of VISA Service Quality Performance Award for four consecutive years, based on the exceptional performance in global card operations during the years 2009, 2010, 2011, and 2012. The award is in the ‘Consumer Credit Category’ for highest rate in chargeback effectiveness – which distinguishes our client as best-in-class.

The advantages we provide our clients include:

  • Reducing operational loss
  • Leveraging analytics to reduce non-performing assets and maintenance costs
  • Developing automation tools to increase efficiency and accuracy in processing
  • Performing value stream mapping
  • Helping improve client loss metrics by ensuring timely payments

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