Increasingly, the leading banks are seeking to manage "payments" as a distinct line of banking business. This provides greater transparency on the economics of an organization's payments activities. It also offers opportunities to identify new revenue-generating businesses.

Many banks and other institutions have powerful but poorly understood franchises in basic payments, cards and/or trade services. For those banks and infrastructure providers who can see the potential for payments to be a differentiator and revenue enhancer there is competitive advantage to be gained by providing superior convenience, speed, and customer service even in basic payments processing.

For many banks, the priority in their payments activities is still cost control. Ultimately, basic payment processing is a commodity banking service and the priority therefore has to be minimization of operating costs. Despite aggressive volume growth, price compression is leading to single digit or negative CAGR in total revenues. Revenues at transaction level are falling. To stay in the business, institutions have to invest continuously in technologies to improve operational efficiency. They have to participate in consortia and other cooperative alliances to share and drive down the costs of being an active player in the payments processing world.

Credit Eterna helps clients with these challenges as a consultant and managed services provider. We offers solutions in emerging operating models - building differentiation in a competitive market, strategic sourcing - transforming the cost base of the service model, and franchise revenue optimization - driving profitable growth in transaction services.