Case Study: Dime Community Bank achieves 50%+ card activation uplift and cuts fraud risk with Fiserv's Card Expert

Dime Community Bank’s Collaboration Makes Card Expert from Fiserv an Even More Powerful Analytics Tool

Dime Community Bank, a Hauppauge, NY‑based community bank with 59 locations and about $12.9 billion in assets, faced the challenge of growing revenue and lowering costs in its debit card portfolio after a merger. The bank needed to purge inactive cards, lift activation rates on newly issued cards, increase transactions among low‑use customers, better understand fraud impact, and optimize its ATM fleet. Dime turned to Fiserv’s Card Expert analytics tool to address these goals.

Using Fiserv’s Card Expert, Dime implemented dynamic analytics and segmentation to drive targeted campaigns and operational changes. The bank purged thousands of inactive cards, launched a monthly email activation campaign that improved activation rates by more than 50%, ran mail/email outreach to re-engage low users, used risk dashboards to analyze fraud and tune rules, and identified ATMs to upgrade for better cash management — enabling quicker, data‑driven campaigns and measurable portfolio improvement with Fiserv’s support.

Dime Community Bank

Donna Lillie

Senior Vice President, Director of Product Development