Data & Analytics

Advanced analytics & reporting for smarter debit decisions

Every day, financial institutions manage large volumes of card transaction data across ATMs, point-of-sale and digital channels. Too often, that information is fragmented across disconnected reports and spreadsheets, making it difficult to gain a clear view of performance.

Business Intelligence Services™ by SHAZAM simplifies this complexity by bringing your debit analytics into a single, secure, web-based platform accessible anytime, from anywhere.

Because Business Intelligence Services connects directly to the Peregrine™ processing platform, your data is automatically populated into dashboards that are ready when you need them. By unifying your analytics in one place and presenting them alongside peer and industry benchmarks, you can clearly evaluate program performance, identify trends and make informed, confident decisions.

Optimize ATM performance

ATMs are one of the most visible — and expensive — components of your debit program. Business Intelligence Services includes integrated ATM analysis that helps you evaluate terminal profitability by location, giving you a clear picture of what’s driving value and what may need attention.

Because this insight is powered directly by your processing data, you can confidently assess network optimization opportunities. Whether you’re considering expansion, consolidation or relocation, Business Intelligence Services gives you the data you need to align ATM performance with cardholder access and financial goals.

Monitor utilization & activation

Debit performance starts with activation and consistent usage. By analyzing utilization and activation trends, you can quickly identify gaps that may impact interchange revenue, cardholder engagement or overall portfolio health.

This visibility allows you to act earlier — adjust onboarding efforts, refine cardholder communications or address dormant cards before they become a risk concern. The result is a healthier debit portfolio that supports both growth and operational control.

Boost cardholder growth

Not all cardholders behave the same — and treating them that way limits growth potential. Segmentation based on card transaction data helps you understand spending behavior, interchange contribution and engagement levels across your portfolio.

With this insight, you can more effectively target retention efforts, incentive programs and relationship‑building initiatives. Instead of broad campaigns, you’re able to focus resources where they’ll have the greatest impact — driving sustainable growth without unnecessary spend.

Benchmark fraud performance

Fraud mitigation strategies can be difficult to evaluate in isolation. Benchmarking your reported fraud dollars against a relevant peer group adds essential context, helping you understand whether changes reflect internal conditions or broader industry trends.

By analyzing fraud performance over the past 12 months on a month‑by‑month basis and comparing results to a relevant peer group, you gain a clearer perspective on trends and outcomes over time. This insight supports more informed conversations around risk posture, control effectiveness and overall fraud management strategy.

Track digital wallet adoption & use

Digital wallets continue to influence how and where cardholders transact. Tracking adoption patterns and transaction behavior helps you understand how digital wallets are contributing to interchange performance and overall debit usage.

While often a longer‑term growth lever, this insight supports informed decision-making around digital wallet enablement, marketing focus and infrastructure investment. Over time, focused payment data analytics help ensure digital wallet adoption aligns with your broader debit strategy — not just emerging trends.

Right-size your analytics capabilities

Business Intelligence Services offers tiered service levels, allowing you to align the depth of analytics and insight with your institution’s reporting goals and internal resources. Custom visualization hours enable you to build executive‑ready dashboards tailored to your specific goals and reporting needs — ideal for leadership meetings, board reports and long‑term planning — with exportable visuals that make it easy to share insights and keep teams aligned. When card transaction data is easy to access, interpret and act on, decisions become faster, clearer and more consistent.

Frequently asked questions

What is Business Intelligence Services by SHAZAM?

SHAZAM created Business Intelligence Services to transform operational and transaction information into dashboards and insights that financial institutions can use to support profitability, performance optimization and risk management.

How does Business Intelligence Services differ from traditional reporting?

Traditional reporting summarizes historical activity, often in static reports. Business Intelligence Services goes further by unifying large volumes of card transaction data into interactive, visual analytics designed to make trends, comparisons and patterns easier to see and understand.

Through customizable dashboards and built‑in peer benchmarking, you gain a more intuitive way to explore performance, compare results and turn data into insight. This approach helps teams move beyond reviewing reports to actively using data to inform decisions.

Does Business Intelligence Services support ATM analysis?

Yes. The Business Intelligence Services platform includes detailed ATM analysis, showing profitability by terminal and performance trends that support network planning.

How can I access the Business Intelligence Services platform?

Business Intelligence Services is web‑based, so you can access your dashboards anytime from a secure internet connection.

Move from reports to real results

Having data isn’t the challenge. Knowing what to do with it is. When debit performance, fraud trends and ATM analysis are all visible in one place, you can move from reacting to results to planning ahead. Strategy gets clearer and opportunities get easier to identify.

Business Intelligence Services is designed to help you continuously evaluate, refine and strengthen your debit program — supporting long‑term performance and sustainable growth.

Ready to start turning debit data into strategy?

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