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Security – A Strong Case forPayment Outsourcing Presented by: Paul Flanigan EVP, Chief Marketing Officer Fort Knox National Company Electronic Payments Growing 30%+ Annually The Perfect Storm Drives Adoption Consumer Benefits Convenience Saves time and eliminates hassles, such as looking for stamps, writing checks, etc. More payment options – one-time and recurring options, credit and debit cards, phone payments Accurate and up-to-date billing information Loyalty Points Control Customers can manage their payments on their own schedules Confirmation Customer is certain that their payment has been received Speed of posting Consumer Bill Pay Preferences Utility Benefits Reduced operating costs Reduce check handling and exception item processing Decrease delinquency Deflection of payment related customer service issues and inquiries Superior customer service Builds trust Offering multiple payment methods and channels gives customers more options Creates avenues for customer awareness of your other products and services CRM / Cross-Sell Potential Things to Consider Security Privacy Issues Risk Management Diversity of Consumer Payments Multiple Channels Multiple Payment Options ACH, Credit, Debit, ATM, Etc. Industry Rules Evolve Rapidly Security – The Risks PCI Requirements Employee screening Physical security/facility access controls Physical and logical segregation Network Monitoring Encryption of Sensitive Data Third-Party Audit and Validation MasterCard Visa Utility Pricing Mastercard recently joined Visa in announcing special pricing exclusively for public utilities Reduce convenience fee costs by 50% or more Improve e-payment adoption by offering more options at lower costs Reduce operational costs while promoting customer self-servicing, auto pay enrollment To qualify, Utilities and their processors must use an approved e-payment model Enrolled / Non-Enrolled Tools for a SuccessfulCustomer Adoption Marketing Program Print and web-ready files