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JHA Card Adoption and Usage Advisory Services​

Has your payments portfolio reached the next level to ensure a competitive edge? 

JHA Card Adoption and Usage Advisory Services connects today’s financial institutions (FIs) to proven consultants who help FIs like yours grow your card business. This means you can effectively manage business risks and identify growth opportunities with your cardholders in mind. 

With JHA Card Adoption and Usage Advisory Services, you gain data-driven solutions for those products, networks, and marketing efforts that will lead to measurable results. JHA Card Adoption and Usage Advisory Services is available for institutions using 

JHA Card Processing Solutions™ (CPS) for credit and/or debit processing. 

Backed by more than 50 years of combined industry, marketing, analytics, and leadership experience, when you choose JHA Card Adoption and Usage Advisory Services, you’ll be able to drive excellence through process efficiencies, industry best practices, peer analysis, product line ups, targeted marketing, personalized creatives, and measurable results. Experts who understand your business are available to analyze your portfolio and identify opportunities to drive revenue, increase card usage, and expand your cardholder base. 

Working with the Card Adoption and Usage Advisory Services team, you gain valuable analysis of your credit and debit portfolios as well as custom recommendations on strategy and key growth steps. 

Customized credit and debit card campaigns provide your institution with an opportunity to migrate underperforming cardholders to higher spending and create cardholder loyalty. 

With JHA Card Adoption and Usage Advisory Services, you can select from both custom and turn-key solutions. Participation in turnkey campaigns is as easy as 1, 2, 3: 
  1. Deliver a targeted campaign to underperforming cardholders
  2. Drive usage for your card products 
  3. Give your cardholders another compelling reason to keep your card top of wallet 

Why are campaigns important? 
  • Interchange income increases 
  • Migrating consumers from cash/check to plastic will generate more revenue
  • Interest income increases
  • Regular engagement with consumers through campaigns builds excitement and greater loyalty to your brand
With today’s tightened regulatory marketing on interchange, card campaigns are even more important. Cards are also the highest non-interest income producers for financial institutions.

No matter what market or competitive challenges you face today, working with JHA Card Adoption and Usage Advisory Services, you can grow your card portfolios, increase your income, and build loyalty.


  • Offers data-driven solutions for debit and credit card programs
  • Includes expert support from proven card usage consultants 


  • Provides consulting and marketing support to migrate underperforming cardholders, boost spending, and create cardholder loyalty
  • Supports your credit and debit card program and your institution’s needs without having to rely on internal expertise
  • Offers analytics and strategies to assist you in selecting from both custom and turn-key solutions
  • Positions you to increase interchange income, move consumers from cash/check to plastic, better reach millennials, and maximize valuable non-interest income