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Debit cards have enjoyed phenomenal growth over the past few years, and according to the 2008 Study of Consumer Payment Preferences, signature and PIN debit now account for a combined 37 percent of consumers’ in-store payments. In addition, Visa® just reported that their debit usage has surpassed credit cards — accounting for nearly 70% of their U.S. transactions in 2008.

With this trend comes great opportunity for financial institutions to optimize their debit card program in order to capitalize. Thus, it’s extremely important for banks and credit unions to implement an improved debit card program that enables them to stay “cutting-edge” as well as gives them the best return-on-investment (ROI).

One way to do this is with instant card issuance. Financial institutions around the world have been turning to instant issuance as a smart investment that produces improved customer service levels, revenue opportunities and ultimately:

• Attracts and retains core deposits
• Eliminates 3rd Party Service Bureau Issuance and Postage Costs
• Increases long-term activation and usage rates
• Captures early interchange
• Improves the secure delivery of the card
• Improves PIN selection security

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