FNB Community Bank, established in 1943, sought to enhance its credit card offerings while reducing costs. By adopting Fiserv’s Credit Choice, the bank implemented a fully outsourced, cost-effective credit card program that provides high-quality service and enhances customer experience. Credit Choice offers back-office management, risk mitigation, and call center functions, allowing the bank to focus on customer service while generating noninterest revenue. The bank uses marketing tools and online applications to promote the program, which has successfully increased cardholder engagement and brand loyalty.

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