SmarterPay™ Express from Fiserv delivers a next-generation overdraft limit solution, engineered to balance the rewards of providing good customer service against the risk of principal charge-off.  This secure hosted solution is designed for community banks and credit unions that want robust over-draft functionality without the expense of onsite hosting and support.

 

Overview

SmarterPay Express from Fiserv can predict the trends that lead to charge-off with your customer accounts, empowering you to take action before it occurs, while achieving a balance within your overall risk profile.  SmarterPay Express also gives you analysis capabilities down to the account level, delivering vital real-time information about each account holder's capacity to repay.  Using critical data elements identified from over 300 account-level predictive variables and customer behaviors, the solution provides each account with the appropriate limit by balancing liquidity needs with risk. As a result, an optimum point is found between balancing principal loss, revenue and account retention.

 

Features

  • Robust regulatory solution that creates a defensible overdraft limit assignment
  • Intuitive overdraft limit capabilities delivered and supported in a Fiserv-secure ASP environment – perfect for community banks and credit unions
  • Intuitive combination of a risk model with a capacity to repay
  • The overdraft software's complex patented algorithms use a wide range of predictive variables uncovered in extensive, targeted studies by Fiserv consultants
  • Overdraft program that includes letter and email communications for expedited customer notification

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SmarterPay Express for Premier Demo

In this demo, see how SmarterPayTM Express from Fiserv can predict the trends that lead to charge-off with your customer accounts, empowering you to take action before it occurs — achieving balance within your overall risk profile.

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SmarterPay Express Video

Learn how SmarterPay™ Express from Fiserv delivers a complete next generation dynamic overdraft limit solution to ensure accuracy, real time reporting, daily communication capabilities, daily risk monitoring capabilities and more.

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SmarterPay Express

SmarterPay Express from Fiserv offers a dynamic balance of required regulatory transparency with the optimal risk/service mix that promotes fair and responsible overdraft limit assessments for your customers.

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For more information on SmarterPay Express and other Fiserv solutions, call us at 800-872-7882 or contact us.

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