Embark Solutions™

Your Bank’s Card Program Launchpad

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Embark Solutions™ is your robust commercial and business credit card program.

We provide program management expertise to make this new revenue stream a success for you and your clients.

Embark with Us

Experience the Full Power Of Embark Solutions™

Best-in-Class Technology

Offer competitive business and commercial card products with a modern user experience, advanced fraud solutions, and customizable design.

Reduced Time-to-Market

Start benefitting from your program fast with our four-to-six-month implementation process.

Own Your Client Relationship

You determine the sales and client experience, manage credit underwriting, own your receivables, and receive full interchange revenue.

Partnership Model

Build out your program without complexity or significant overhead.

Embark Solutions™
Your Trajectory for Success

Determine your readiness for a commercial card program.

Opportunity Assessment & Strategy Development

We provide your roadmap to mitigate risk, align your business goals, and set the stage for a successful commercial card program.

Comprehensive Analysis & Business Case

  • Market Trends
  • Competitive Landscape
  • Market Opportunity
  • Capabilities Analysis
  • Product Overview
  • FI Opportunity Analysis 
  • Risk Assessment
  • Resource Requirements
  • Go-to-Market Strategy
  • Implementation Planning

Design a customer card program based on your unique market position.

  • Custom Card Program 
  • Nimble Program Configuration
  • Customized and Intuitive Customer Websites
  • Flexible Rewards and Rebate Capabilities

Get your bank’s card program off the ground.

Credit Underwriting

  • Policy and Process Guidance
  • Portfolio Management Guidance
  • Collections Policy and Procedures

Compliance, Fraud, & Risk Management

  • Policy and Procedures
  • Fraud Tool Setup
  • Dispute Resolution Setup
  • Reporting Best Practices
  • Training and Education for Bank Designated Compliance Manager

Ensure the growth, sustainability, and success of the program we’ve built together.

Program Assessment & Product Strategy

  • SWOT Analysis
  • Industry Education and Trends
  • Product Roadmap
  • Strategy Recommendations
  • Ongoing Support Available

Sales & Optimization Strategy

  • Portfolio Analysis
  • Opportunity Analysis
  • Pricing Analysis (rewards or rebate)
  • Sales Optimization Strategies
  • Ongoing Support Available

Finance & Reporting Assessment

  • ROI Modeling
  • Budget Planning Review
  • Network Incentive Optimization
  • KPI Reporting Review & Enhancements
  • Ongoing Support Available

Operational Efficiency Assessment

  • Risk Assessment
  • Process Gap Analysis
  • Underwriting Review
  • Ongoing Support Available

Comprehensive education and resources to scale your program.

Commercial Card & Integrated Payables Sales Training

  • Introduction to Commercial Credit Cards
  • Understanding Automated Payables
  • Features and Benefits
  • Sales Strategies
  • Effective Communication
  • Overcoming Objections
  • Hands-on Training

Essential Outcomes For Your Bank

Enhanced Proformas

Traditional proformas overlook up to 44% of total expenses. We ensure more accurate projections to maximize profitability.

Actionable Roadmaps

We create a customized, realistic financial roadmap to account for critical costs.

Risk Mitigation

We minimize the risk of budget overruns or profitability shortfalls.

Profitability

We identify key profitability strategies, resulting in a 26% increase in net income and 5% improvement in net profit margin.

High Performance

Commercial programs outperform traditional banking products in profitability.

2X Growth

Clients achieve 2x growth in program volume and interchange revenue, delivering measurable profitability gains.

How Does Embark Solutions™ Measure Up?

Key Capability Referral Programs Direct Issuing Embark Solutions™
Comprehensive commercial-card suite ✗ ✅ ✅
Bank keeps full interchange revenue ✗ ✅ ✅
Easy to launch / low complexity ✅ ✗ ✅
Requires little in-house expertise ✅ ✗ ✅
Built-in tech, training & optimization support ✗ ✗ ✅

Uncover New Revenue Opportunities

Give your business clients the access and capabilities that a commercial card program provides. Our full-scale implementation package takes all the complexity out of creating a new card program for your bank. With our expertise and commitment, your commercial credit card program is within reach.

Launch Your Bank’s Commercial Card Program with Embark Solutions™

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