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Ray Wizbowski

VP Financial Marketing


Javelin Report: Instantly Issued Payment Cards Boost Bank Revenue, Customer Satisfaction

By Ray Wizbowski

November 5, 2015

As consumer’s expectations for on-demand service continues to rise, banks continue to meet consumer needs by integrating instant issuance of debit cards into their branch locations. By doing so, branches are helping to drive incremental revenue for banks, increase top of wallet card placement and card activation, all while working to meet the increased demands of their customers. […]

D-Day for EMV

By Ray Wizbowski

October 1, 2015

It’s October 1 – Do your credit and debit cards have smart chips in them? Are your local and national merchants ready to accept your cards? Do the merchants know how to accept your chip card? Your answer: Maybe? With today as the self-imposed deadline by credit card companies for U.S. adoption of EMV technology, […]

Instant Payoff with Instant Issuance

By Ray Wizbowski

July 27, 2015

We live in a world of instant gratification – and in our anytime, anywhere, always online society, it has become increasingly important that retailers, banks and service providers have the ability to reach and support their customers when and where they choose. This societal shift has led to the need for financial institutions to embrace […]

EMV 101 Series: Behind the Transaction

By Ray Wizbowski

July 14, 2015

The EMV 101 series provides go-to-resources for those who are interested in learning more about EMV payment technology and EMV migration in the U.S. This is the fifth entry to this series that outlines security standards of EMV and examines the three distinct aspects of an EMV transaction. The adoption of EMV (chip) card-standards has proven to […]

EMV 101 Series: Lessons Learned from Global Migration

By Ray Wizbowski

July 1, 2015

The EMV 101 series provides go-to-resources for those who are interested in learning more about EMV payment technology and EMV migration in the U.S. This is the fourth entry to this series that outlines the timeline for the U.S. EMV migration.  As we progress through the series, we will go more in-depth on the EMV technologies and […]

U.S. EMV Migration Timeline

By Ray Wizbowski

January 19, 2015

The EMV 101 series provides go-to-resources for those who are interested in learning more about EMV payment technology and EMV migration in the U.S. This is the fourth entry to this series that outlines the timeline for the U.S. EMV migration.  As we progress through the series, we will go more in-depth on the EMV technologies and […]

EMV 101 Series: The Key Players

By Ray Wizbowski

January 12, 2015

The EMV 101 series provides go-to-resources for those who are interested in learning more about EMV payment technology and EMV migration in the U.S. This is the third entry to this series that explores who will be affected by the U.S. EMV migration, and how they can best prepare for the shift. With the 2015 liability […]

Instant Issuance: The Growing Trend for Financial Institutions

By Ray Wizbowski

December 16, 2014

In today’s highly competitive market, the pressure to attract and retain customers is at a tipping point. Consumers today expect instant satisfaction and they are demanding customized, real-time services from their financial providers that simplify and enhance their daily lives. Research from Aite Group in its latest report, “Instant Gratification: The Case for Instant Card […]

EMV Myths Busted

By Ray Wizbowski

October 31, 2014

The EMV 101 series provides go-to-resources for those who are interested in learning more about EMV payment technology and EMV migration in the US. This is the second entry to this series that outlines common EMV implementation myths.  As we progress throughout the series, we will go more in-depth on the EMV technologies and applications that are […]