Navigating Your Data

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Navigating

Your Data

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How well do you know your Customers?

• How many products or services do your Commercial

Relationships utilize today?

• When was the last time you proactively reviewed new product

offerings with your customer?

• Do you really know who your competitors are in your market?

• How much revenue is walking out the door each day?

“If we don’t take care of the

customer…somebody else will.” – Unknown

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Electronic Payments Surpass Checks

for the First Time Posted: December 7, 2004

The Federal Reserve Board announced yesterday that the number of

electronic payment transactions in the United States has surpassed

payments by check for the first time.

Electronic payments--such as credit cards, debit cards, and automated

clearinghouse transactions--totaled 44.5 billion in 2003, compared to 36.7

billion payments by check, the Federal Reserve said in a new report, The

2004 Federal Reserve Payments Study: Analysis of Noncash Payments

Trends in the United States: 2000-2003. Total check payments in 2003 were

valued at $39.3 trillion, compared to $27.4 trillion for electronic transactions.

www.federalreserve.gov

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1999 2005 2010

R/B Remote

Cards

Cash

Checks$2

$4

$6

$8

$10 Consumer

Payments

in the U.S.

Trillions

Direct payments only. Cards are credit cards,

debit cards, prepaid cards and electronic benefits transfer

(EBT) cards

Remote/RB are payments made by phone, computer and/or

regular recurring bills cleared through ACH

Check Payments

Number of check payments: 36.7 billion

Value: $39.3 trillion

Annual rate of decline in transactions: 4.3%

Electronic Payments

Number of electronic payments: 44.5 billion


Annual growth rate of transactions: 13.2%

Debit Cards

Number of debit card transactions: 15.6 billion



ACH Transactions

Number of ACH payments: 9.1 billion



Credit Cards

Number of credit card payments: 19 billion



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What Benefits Katzfey’s International

Provides?

• Review existing Commercial Banking relationships

• Identify additional product/services being used with competitors

• Opportunity to expand existing products and services

• Leverages KI’s Team of industry knowledge & expertise in

banking and electronic payments

• Increase Customer Retention through additional product offering

“Coming together is a beginning; keeping together is

progress; working together is success.” – Henry Ford

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• Cross-selling is key to adding additional strength to

existing relationships and preventing competitors from

diluting revenue

• Commercial customers have an existing comfort level

utilizing other products with competitors leading to

reduced sales cycle

• Utilize data to proactively increase revenue, product

adoption and third party referrals

Business Development through

Data Mining

“The more doors a customer must exit, the less

likely they are to leave” – Rod Katzfey

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Partnership Deepening

Proactive Selling

Joint Calling

Data-Mining/ Information

Sharing

Customer Relationship

Deepening

Expanded opportunity to

cross-sell products where

applicable

Merchant Services sold to

New & Existing Commercial

Business Relationships

Retail Gift Card, Payroll,

ACH, Insurance, etc… Sold

to existing bank customers

More Valuable Bank

Relationships

Stronger Customer Retention

Additional Products Per

Relationship

Higher Customer Satisfaction

Increase in Revenue

Deepen Partnerships through Internal and

External Business Channels

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• Increases sales and average ticket price

– Average increase in sales is 18% to 25%

• Increases cash flow and speed of payment

• Decreases risk for non-payment to merchant

• Customer convenience

• Allows customers to use loyalty/co-brand cards & increase card rewards

• Clients’ customers are requesting to use purchasing or corporate cards instead of by invoice (business-to-business & business-to-government)

Why Commercial Customers

Accept Credit & Debit Cards

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Traditional and Emerging Markets

• Traditional Markets

– Retailers

– Restaurants

– Lodging -

Hotels/Motels/Resorts

– Mail Order/Telephone

Order

• Emerging Markets

– Quick Serve Restaurants (QSR)

– Colleges/Universities

– Healthcare/Dentists

– Recurring Payment Industries

• Utilities/Cable/Phone

– State & Local Governments

– Business-to-Business and

Business-to-Government

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ACH Data Mining Overview

• KI provides parameter file for Banks IT department to complete with incoming and outgoing ACH Data

• Data is scrubbed from existing Commercial Relationships

– Merchant, Check, ACH, Payroll & other misc. services

– C/L, I/L, Credit Card, Payroll, Insurance & other misc.

• Data is then separated into Incoming & Outgoing results

• Individual lead sheets are created based on banks agreed upon distribution to associates for follow up

• Scripting developed & provided to bank or ISO partner

• Lead tracking can be provided by KI or designated by bank

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Merchant Payment Services Lead Sheet

Business Name: ABC COMPANY INC

Address: 123 Anywhere Street

City, State: Opportunity WA 99999-1637 Zip Code: 99999

Phone: 5555551212

Branch Number: 012

Officer Code: 012

First Account Opened: 04/04/00

Account Number: ***400**28

Transaction Amount: $1,564.00

SIC Code: 0

Source Code: BANKCARD MERCH SETL

Assigned To: Date:

[ ] Not able to reach customer – Why: _________________________________________________

[ ] Customer contacted, Not interested. Why: ___________________________________________

[ ] Appointment set with customer. Date: __________________________

[ ] Application taken from customer. Date: ________________________

Fax completed form to Rod Katzfey at (770) 330-7141

Sample:

ACH Lead Sheet

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ACH Data Mining Pricing

Business Accounts Pricing

• 1 – 1000 $3,000

• 1,001 – 2,500 $5,000

• 2,501 – 5,000 $10,000

• 5,001 or Greater Special Pricing

Above pricing is per occurrence that ACH data is reviewed,

scrubbed and provided back to bank or ISO partner.

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Katzfey’s International Services

Summary

• Focused exclusively on electronic payments enhancements

• A leader in ACH Data Mining

• Built on the strength of 20 years of banking and electronic

payments experience •

Committed to be the best!

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Katzfey’s International Contact Information

For assistance with product/service/pricing questions

Rod R Katzfey (770) 330-7141

(502) 292-2095

[email protected]

@KATINTL

“Success is simple. Do what's right, the right way,

all the time.” – Rod R Katzfey

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Questions?

“Comments”

Concerns!

Navigating Your Data

Economy & Finance

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