Case Study: NBT Bank achieves debit card portfolio growth and reduces monthly reporting time by up to 16 hours with Fiserv Card Expert

Card ExpertSM Enhances Debit Card Portfolio Growth and Improves Operational Efficiency

NBT Bank, an independent community bank with more than $11.5 billion in assets, wanted to continue aggressive growth of its debit card portfolio while making management reporting and regulatory submissions (including CFPB and card association requirements) more efficient. To meet those challenges the bank partnered with Fiserv and implemented Card Expert, an on-demand business intelligence solution for card portfolio analytics.

Fiserv’s Card Expert gave NBT Bank consolidated dashboards and granular transaction analytics to identify inactive POS cards, segment cardholders, and develop targeted campaigns. The solution cut monthly reporting effort by up to 16 hours, streamlined federal and association reporting, consolidated days of work into single views, and helped the bank track major behavior shifts (eCommerce, contactless and digital wallet transactions were up 100% year‑over‑year), enabling more informed growth strategies.

NBT Bank

Sharon Horning

Vice President Product/Service Management and Intelligence