Credit- and debit-card issuers and acquirers face tremendous challenges to grow revenue and manage risk in an increasingly saturated market. The Do Not Call Registry credit bureau opt-out movement makes customer acquisition even more costly. Rewards, once a perk, are quickly becoming a requirement. Cardholders will soon have even more options with bank-issued American Express and Discover cards on the market. And interest rates are on the rise.

The need for agility has never been greater. Whatever the strategy, Pegasystems' rules-based Business Process Management (BPM) solutions close the execution gap between business strategy and operational execution. The unsurpassed agility enabled by SmartBPM® helps companies achieve growth, productivity, and compliance.

Pegasystems' industry-leading BPM platform, PegaRULES Process Commander® (PRPC), enables card-services firms to automate their most critical business processes, including customer service, collections, disputes, credit, and fraud. This allows your organization to capture objectives, optimize processes, and drive work to completion. And the impact is real: Pegasystems' customers achieve 50% first-call resolution of disputes, 70% retention of account cancellation calls, and over 50% improvement in back-office productivity. This is why five of the top issuers in the United States have chosen Pegasystems.

As a complement to PRPC, Pegasystems offers solution frameworks that include packaged capabilities and best practices for specific activities within card services. These include Smart Dispute™ for dispute and chargeback automation, and Card Customer Process Manager™ for intelligent customer service.

Solutions In Action


Bank BPM in 90 Days	Solution Delights Customers	New Backbone Halves Labor Costs	Investigator Effectiveness up 40%
Automated Approvals Cut Risk	Bank Gets One Stop Service	BPM System Serves 26 Countries	Compliance and Fraud System Cuts Losses
Account Openings Surge With BPM	New Tools Enhance CRM Operations	BPM System Speeds Set Up	Government Agency Improves Services
Swiss Bank Ups Close Rate	CRM and Fulfillment in Five Months	Enterprise Backbone Saves $10 Million	Better Tools Cut Losses