SCB Solutions is
Welcome
representative in North-America
Welcome’s
XLS software helps banks combat fraud and commoditization at
the same time, for essentially the same cost as combating fraud
alone.
Payment commoditization, resulting in rate
wars and fee reforms, has recently been shown to cost banks five
to ten times more than fraud. The market is saturated with prior
generation payment card products, all of which provide
essentially the same customer experience at the moment of
purchase. In many cases, price has become the only
differentiator between competing credit and debit card products.
Welcome’s XLS software helps banks avoid
commoditization by getting customers and merchants to experience
payment as something new, exciting and different through
additional customer-centric enhancements, such as immediate
calculation of points, instant delivery of surprise promotional
offers and easy redemption of rewards at the point of sale.
With over a hundred implementations involving
millions of cardholders and over a hundred thousand merchants
worldwide operating the company’s software, Welcome has proven
repeatedly that its easy-to-deploy solutions increase revenues
for its clients while increasing their customers’ satisfaction
and loyalty.
Welcome has invested over 120 man years in R&D
and owns extensive intellectual property rights through almost
100 patents filed in 37 countries.
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