E-Billing and self-service for credit cards

Comprehensive e-billing and self-service capabilities enable card issuers to offer a very compelling online self-service experience for both consumer and commercial cardholders. Properly deployed, an e-billing and self-service site delivers substantial cost savings for issuers while improving customer service levels.

Aeturnum can help you integrate your e-billing application seamlessly with your existing card operation environment, including both in-house legacy systems and external processors such as FDR, TSYS and Certegy. Our deep expertise e-billing applications enables us to cost-effectively customize and extend the out-of-the-box capabilities specifically for card issuers. Additionally, Aeturnum's certified database professionals have a thorough understanding of the e-billing database objects and relationships. This enables Aeturnum to incorporate client-specific data elements and present more detailed customer account information online. As a result, card issuers can offer up more of the unique and compelling content that drives strong adoption of their e-billing and self-service site and the substantial benefits that go with it including:

• Building stronger relationships through a strategic customer touchpoint
  
  The monthly credit card statement is an important part of the card issuer-customer relationship. It provides the best and most efficient platform to communicate information, offer new services and build an ongoing relationship. Aeturnum can streamline the backend integration with your billing, customer care and card operations systems, enabling your customers to manage all their account activity online. This includes service requests such as card activation, PIN reset and spending limits, and account profile changes.
  
  Aeturnum also makes it easy to integrate with your existing content management systems to deliver targeted marketing messages and service information. We can also incorporate customer-defined alerts and notifications regarding specific credit card uses such as rewards management, fraudulent activity, credit limit thresholds, payment confirmations and more. These can be delivered to the customers' preferred online channel and mobile devices.
  
  All these capabilities make it easier for customers to do business with you, improving satisfaction and creating higher switching costs.
  
  
• Deflecting contact center calls and reducing customer service costs
  
  The vast majority of calls to a credit card call center concern a statement, a transaction, a payment, a dispute or a simple account management request. By streamlining the integration of the e-billing and payment solution with your current systems, Aeturnum makes it easier to present the most important customer information online. As a result, more contacts are deflected from the call center and customer service costs are reduced.
  
  Leading solutions such as the Oracle E-Billing and Self-Service suite also includes powerful analytic capabilities for credit card spending analysis. Aeturnum's deep experience with business intelligence applications enables card issuers to take full advantage of these capabilities and further strengthens customer loyalty to the e-billing site and the card issuer.
  
  
• Streamlining payment processing and reducing DSO
  
  Payments are one of the most common online capabilities used by credit card customers and Aeturnum can enable comprehensive payment capabilities – one time payments, panic payments, mobile payments, multiple payment wallets; and the ability to set specific payment dates – via your E-Billing site. Aeturnum can also extend the payment integration to other non-traditional payment methods such as PIN-less debit cards and purchase cards. This kind of user convenience is very important to customer adoption and also helps reduce Days Sales Outstanding (DSO) by avoiding mailing and processing delays.
  
  
• Reducing printing and mailing costs
  
  A richer online experience means more customers committed to the online channel and more customers turning off their monthly paper statement in favor of e-statements. Aeturnum's ability to integrate with your backend systems makes your e-statements more detailed, more interactive and fully leverages capabilities such as Search and download to MS Money, Quicken or MS Excel. In addition to the obvious environmental benefits, this saves considerable cost in paper, postage and handling each month.