Case Study

Top-25 Bank Boosts Loan Portfolio Performance

Today’s banking customers insist on convenient options for paying their loans. In order to meet these demands, a top U.S. bank responded by offering debit card payment processing to its entire prime auto loan portfolio. By adding the debit card option, the bank improved loan portfolio performance — not only through increases in customers paying on time, but also double-digit improvements in payments received from delinquent customers. In addition, accepting debit card payments online reduced customer service calls by one-third and virtually eliminated staff time spent on payment exceptions when customers pay with debit cards rather than ACH.


“80% of customers do not carry their checkbooks for making ACH payments.“

The Challenge

  • This top-25 bank wanted to enhance its loan portfolio performance. The bank knew the key was to make it as easy as possible for customers to pay.

The Solution

  • The bank selected ACI Speedpay solutions for affordable debit card and ACH payment processing. Customers can pay via debit card and ACH online for free, or through the IVR and call center for a small fee.

The Results

  • Customers doubled the number of loan payments made with debit cards over the past two years, far outpacing the growth of ACH payments. Making it easy for customers to pay increased the delinquency cure rate by double digits while raising the percentage of on-time payments.