The industry is believed to have reached saturation with the four "big banks" being the major players in the market and a few niche players on board. Some smaller players have entered the market with varying degrees of success, and the majority of them only due to the fact that a complete banking solution needs to be offered to their client base. Competition is strong and the differentiating factors small.

How do you operate your card business in the most profitable way and ensure world-class service to your customers? Does the following sound familiar...

	Unable to exercise customer retention?
.	.
	Unprofitable customers?
.	.
	Inability to gain new profitable customers?
.	.
	Funding & pricing challenges (being regulated by the Reserve Bank, repo rate and code of banking practice)?
.	.
	Not knowing your customers and not being able to service each one according to their specific needs?
.	.
	Bad debt?
.	.
	Revenue leakage?
.	.
	Technology limitations?
.	.
	Infrastructure inefficiency (call centres)?
.	.
	Million bits of data but no management information with which to make business decisions?
.	.
	Process inefficiencies – relating to high costs?

...And all this relates to is high cost-to-income ratios, unsatisfying profits and customers.

How then do you turn this around and start maximising shareholder/ customer value and differentiate yourself from the competition? Discovery can help you achieve all of the above and more. Discovery possesses world-leading skills in the card industry with a combined experience base of over 50 years in the industry. How can we help you discover the true potential within your card business?

Discovery focuses on five key areas of your business, namely financials, business processes, technology, resources, and product innovation:

Financials – Activity Based Costing (ABC) and maximisation of Funding and Margin Management Discovery helps you identify the key cost drivers in your business and how they relate to your profits. Furthermore, we assist you to drive maximum return on funding and interest income. This can realise substantial income of up to 0.15% p/m on debit balances and up to 0.2% p/m on credit balances, depending on the make up and movement in each of these segments.

	BPI/BPR (Business Process Improvement / Business Process Redesign) This will entail detailed analysis of processes to validate the efficiency. Design and implementation of optimal processes will be carried out with strict attention to minimising handoffs (decreased cost and improved efficiencies) and where possible, automation of mundane human action. These findings would assist in designing the remaining solutions being technology, resources, and business and product innovation.
	Technologies – the tools needed to effectively service your customers These are many and varied, and in most cases would be customised to suit the purpose they must serve. Discovery focuses on a myriad of technologies to drive productivity and profits. Each segment is done with detailed analysis to match the best technology solution for each job. Solutions range from call centres, collections, financial systems, and self-service systems to customer relationship management and information systems. All technology implementations are subject to rigorous business cases and a guaranteed return on investment. These guarantees can be given because Discovery has successfully implemented these solutions with productivity gains of 15–35% and proven revenue improvements.
	Resources – grow and maximise resources Analysis of skill levels is performed in respect to required skills pertaining to the product or service, as well as people contact, communication, and conflict resolution skills. These aspects determine the direction and nature of training required. With our expertise in industrial psychology we help you to create and grow self-managed, high performance teams. We also design the workplace environment to create surroundings that would promote productivity.
	Business and product innovation – delight your customers and shareholders Discovery has designed and implemented many innovative products leading to increased company profits and customer satisfaction.

So why partner with Discovery Business Solutions?
Discovery has extensive and successful experience in all of the disciplines mentioned in this document. We are not the conventional "consulting" firm which (a) doesn't understand your business and therefore (b) produces a FAT paper report with very little substance or added value, and best of all... (c) who costs you a fortune (non-refundable).

Discovery can honestly say that we (a) understand your business and therefore (b) provide you with the best solution on which Discovery is prepared to (c) risk reward based on performance guarantees. And why? Because we've done it all before!

The winning card company is the one that achieves and maintains an unsurpassed value proposition, which is beneficial for both the shareholders and customers. This can only be achieved by designing a winning and living blueprint for success that will keep you ahead of the competition.