{"id":266,"date":"2015-04-01T08:42:11","date_gmt":"2015-04-01T15:42:11","guid":{"rendered":"https:\/\/www.ficanex.ca\/?p=266"},"modified":"2023-11-27T16:05:41","modified_gmt":"2023-11-27T23:05:41","slug":"april-2015-2","status":"publish","type":"post","link":"https:\/\/www.ficanex.ca\/fr\/blog\/2015\/04\/01\/april-2015-2\/","title":{"rendered":"April 2015"},"content":{"rendered":"<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_section-fe7296e154be58d9a6d68385b932d5bc\">\n.avia-section.av-av_section-fe7296e154be58d9a6d68385b932d5bc{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/www.ficanex.ca\/wp-content\/uploads\/2023\/06\/Across_all_banner.jpg);\nbackground-position:0% 0%;\nbackground-attachment:scroll;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-av_section-fe7296e154be58d9a6d68385b932d5bc main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_section  avia-builder-el-first  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value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2019\/02\/02\/february-2019\/\">F\u00e9vrier 2019<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2017\/08\/01\/august-2017\/\">Ao\u00fbt 2017<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2017\/03\/01\/march-2017\/\">Mars 2017<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2016\/07\/01\/july-2016\/\">Juillet 2016<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2016\/04\/05\/april-2016\/\">Avril 2016<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2015\/12\/01\/december-2015\/\">D\u00e9cembre 2015<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2015\/07\/01\/july-2015\/\">Juillet 2015<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2015\/04\/01\/april-2015-2\/\">April 2015<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2014\/12\/01\/april-2015\/\">December 2014<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2014\/07\/01\/december\/\">July 2014<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2014\/04\/01\/april-2014\/\">April 2014<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2013\/12\/01\/december-2013\/\">December 2013<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2013\/08\/01\/august-2013\/\">August 2013<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2013\/04\/06\/april-2013\/\">April 2013<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2012\/12\/01\/december-2012\/\">December 2012<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2012\/07\/01\/july-2012\/\">July 2012<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2012\/04\/01\/april-2012\/\">April 2012<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2011\/12\/01\/december-2011\/\">December 2011<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2011\/08\/01\/august-2011\/\">August 2011<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2011\/04\/01\/april-2011\/\">April 2011<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2011\/01\/06\/january-2011\/\">January 2011<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2010\/09\/06\/september-2010\/\">September 2010<\/option><option value=\"https:\/\/www.ficanex.ca\/fr\/blog\/2010\/06\/06\/june-2010\/\">June 2010<\/option><\/select> <\/div>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='av_section_2'  class='avia-section av-av_section-5bf304c9d056f48815cce330848c611c main_color avia-section-default avia-no-border-styling  avia-builder-el-3  el_after_av_section  el_before_av_section  blog-banner avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-266'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-av_one_full-7714eba142aeda1f8b5272a3c372b279 av_one_full  avia-builder-el-4  avia-builder-el-no-sibling  first flex_column_div'     ><section  class='av_textblock_section av-likg7616-6376c5a51a331aada11776d0614a25d5'   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h2 style=\"text-align: center;\">Current Issue: April 2015<\/h2>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-likg8m1d-5afed33df2d665e0daafc1752c877b39-wrap avia-button-center  avia-builder-el-6  el_after_av_textblock  avia-builder-el-last  white-btn'><a href='https:\/\/www.ficanex.ca\/wp-content\/uploads\/2023\/06\/theexchange-newsletter-april-2015.pdf'  class='avia-button av-likg8m1d-5afed33df2d665e0daafc1752c877b39 av-link-btn avia-icon_select-no avia-size-small avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\"VIEW AS PDF\"><span class='avia_iconbox_title' >VIEW AS PDF<\/span><\/a><\/div><\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_3'  class='avia-section av-av_section-f716ba51e7bf82947c918c6ed882cb73 main_color avia-section-default avia-no-border-styling  avia-builder-el-7  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-266'><div class='entry-content-wrapper clearfix'>\n<div  class='flex_column av-av_one_full-7714eba142aeda1f8b5272a3c372b279 av_one_full  avia-builder-el-8  avia-builder-el-no-sibling  first flex_column_div'     ><section  class='av_textblock_section av-likg7szz-dee5d32197aeb9267049b3fc8588a779'   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><h3>MESSAGE FROM THE PRESIDENT<\/h3>\n<p><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.ficanex.ca\/Ficanex\/media\/Ficanex\/Newsletter%20PDF\/andrew.png\" alt=\"\" data-pin-nopin=\"true\" \/><\/p>\n<p>We kick off our first newsletter issue of 2015 with an update from\u00a0<strong>Andrew Obee, FICANEX Services new President &amp; CEO.<\/strong><\/p>\n<p>I am thrilled to have been given the opportunity to take on this leadership role at<strong>\u00a0FICANEX<\/strong>. I am excited to be working with\u00a0the<strong>\u00a0FICANEX<\/strong>\u00a0Board of Directors, the\u00a0<strong>FICANEX<\/strong>\u00a0team, our partners, members, and suppliers, to continue to cultivate what has always made\u00a0<strong>THE EXCHANGE\u00ae<\/strong>\u00a0Network a valuable part of the Canadian financial services landscape. I am also very pleased to be able to work to plan an expanded view of the value we can bring to our members by leveraging the collective assets, distribution, and individuality across the country. As the Canadian financial services system works to determine how it must evolve to continue to be relevant in an increasingly open and global market, I look forward to being able to leverage our position as an entity owned by and operated for the benefit of our partners and members to drive innovative solutions to the challenges we all face within the ever changing payments world.<\/p>\n<p>2014 was another great year for\u00a0<strong>FICANEX<\/strong>\u00a0Services and\u00a0<strong>THE EXCHANGE\u00ae<\/strong>\u00a0Network.Together, we provided Canadian\u00a0cardholders with surcharge-free access to over<strong>\u00a02,500 ATMs<\/strong>\u00a0coast to coast, as well as access to over\u00a0<strong>425,000 Accel\u00ae ATMs<\/strong>\u00a0and over\u00a0<strong>3 million<\/strong>\u00a0merchant POS terminals south of the border, providing even greater convenience for your mobile cardholders. Now that\u2019s the kind of access your cardholders expect and deserve, and it is possible only by working together.<\/p>\n<p>This expanded connectivity not only provides the necessary convenience for your cardholders, but financially benefits each Financial Institution Participant within our network:<\/p>\n<ul>\n<li>In 2014 Canadian Exchange cardholders performed close to\u00a0<strong>10 million transactions<\/strong>, of which over\u00a0<strong>6.9 million<\/strong>\u00a0were<br \/>\nwithdrawal transactions, saving cardholders over\u00a0<strong>$14 million<\/strong>\u00a0in needless surcharges and\u00a0saving our network participants over\u00a0<strong>$2 million<\/strong>\u00a0in interchange expense as our Issuer interchange fees are lower\u00a0than that of Interac.\u200b<\/li>\n<\/ul>\n<ul>\n<li>Members of\u00a0<strong>THE EXCHANGE\u00ae<\/strong>\u00a0network earned over\u00a0<strong>$6.6 million<\/strong>\u00a0in interchange revenue, helping offset<br \/>\nthe cost of ATM ownership and providing a valuable source of non-interest revenue.\u200b<\/li>\n<\/ul>\n<ul>\n<li>In the United States, member cardholders conducted over\u00a0<strong>1.9 million<\/strong>\u00a0point of sale transactions giving them<br \/>\naccess to a cross border service that they would otherwise not have access to, all while providing our<span class=\"Apple-tab-span\">\u00a0<\/span>Participants<br \/>\nwith over\u00a0<strong>$480 thousand<\/strong>\u00a0in interchange revenue.<\/li>\n<\/ul>\n<p>At\u00a0<strong>FICANEX services<\/strong>\u00a0we clearly understand a cardholder\u2019s need for anytime, anywhere access to their funds, and we understand how providing them with that access is critical to your business. With this in mind, we were the first to provide you with an\u00a0<strong>ATM Locator Application<\/strong>\u00a0for smart phones, tablets and GPS devices, and access to our ATM locater service for you to call directly from your own mobile banking or online banking applications. Our goal is to make it easy for the cardholder to find the closest surcharge-free ATM no matter where life takes them. To date, our Apps have been downloaded over\u00a0<strong>68 thousand<\/strong>\u00a0times by your cardholders, and they used this service more than 260 thousand times in 2014; over\u00a0<strong>20 thousand<\/strong>\u00a0times each and every month.<\/p>\n<p>We implemented the\u00a0<strong>ATM Partner Program<\/strong>\u00a0that further promotes both our Participant and Network\u2019s brand in local communities with cash only, surcharge-free ATMs. The program provides for no upfront costs whatsoever to be paid by our Participant in the program. There is a nominal monthly lease payment that can be eliminated if the ATM transactions surpass a threshold. This program has been successful with\u00a0<strong>G&amp;F Financial<\/strong>,<strong>\u00a0Westminster Savings<\/strong>,<strong>\u00a0and Meridian Credit Union<\/strong>, to name a few.<\/p>\n<p>We are also doing our part to raise awareness of our network value and brand with our national\u00a0<strong><em>\u201cWe\u2019re On Your Way\u201d<\/em><\/strong>\u00a0marketing campaign. We have produced a complete suite of marketing material; including in-branch take one stands and flyers and cardholder giveaways that are free to Participants. We have also worked with many members to integrate\u00a0<strong>THE EXCHANGE\u00ae<\/strong>\u00a0Network brand into their own marketing material.<\/p>\n<p>As we speak, we are on radio stations from St. John\u2019s, Newfoundland to Prince George in BC; and train travellers can see us on Vancouver\u2019s SkyTrain and Toronto\u2019s GO Train!<\/p>\n<p>We want to let you know we are working hard so that we continue to provide value to your Financial Institution and your cardholders; and we are not stopping here. As you know the world of payments is continuing to change. We have seen the introduction of NFC with contactless payments and non-traditional players enter the payment space with mobile. We are following these, and many other trends closely and where there are opportunities for us to leverage our network effect to your benefit, we will seek to do so.<\/p>\n<p>At\u00a0<strong>FICANEX Services<\/strong>\u00a0our network is uniquely positioned to embrace and support the future needs of the system while continuing to provide expanded ATM access and convenience to your customers. I want you to know that, along with your\u00a0<strong>FICANEX<\/strong>\u00a0Board, the team and I are in the process of planning for the future to ensure continued differentiation and innovation within the space so please stay tuned.<\/p>\n<p>Finally, I would like to share that stakeholder engagement is one of my highest priorities. I will be at many industry events, and will do my best to find opportunities to meet as many of you as possible in the future. Please feel free to reach out to me or any member of the team at any time as we are extremely interested in hearing your thoughts on how we can enhance our collaboration in the future.<\/p>\n<p>Best regards,<\/p>\n<p><strong>Andrew<\/strong><\/p>\n<hr \/>\n<h3>MEET OUR NEW OPERATIONS MANAGER<\/h3>\n<p><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.ficanex.ca\/Ficanex\/media\/Ficanex\/Newsletter%20PDF\/tarak.png\" alt=\"\" \/><\/p>\n<p>Please join us in welcoming our newest team member, Tarak Saha. Tarak has a strong background in financial services having worked at DC Payments, and prior to that at Threshold Financial Technologies. In his time at Threshold and DC Payments, he focused on building out business solutions for Financial Institution clients, as well as investigating potential acquisitions for the company. He has experience in real estate and retail, having worked at Mattamy Homes and Sears Canada. His analytic, strategic and operational mind set is a welcomed addition to\u00a0<strong>FICANEX Services<\/strong>. Tarak holds an honours bachelor\u2019s degree from the Richard Ivey School of Business at Western University. Welcome aboard Tarak!<\/p>\n<hr \/>\n<h3>2015 BOARD OF DIRECTORS<\/h3>\n<p><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.ficanex.ca\/Ficanex\/media\/Ficanex\/Newsletter%20PDF\/ficanex.png\" alt=\"\" \/><\/p>\n<p><strong>FICANEX Services<\/strong>\u00a0is pleased to announce the results of the 2015 Board of Directors recommendation process. Joining\u00a0<strong>Chris Goodman<\/strong>,<strong>\u00a0Rick Kelln<\/strong>,\u00a0<strong>Darrell Jaggers<\/strong>,\u00a0<strong>Steve Richard<\/strong>,\u00a0<strong>Mohamed Ladak<\/strong>\u00a0and\u00a0<strong>Rob Paterson<\/strong>\u00a0are\u00a0<strong>FICANEX Services<\/strong>\u2019 newest Board members;\u00a0<strong>Jamie McLeod<\/strong>\u00a0from Community First Credit Union in Sault Ste. Marie, Ontario and Yann Jodoin from National Bank of Canada in Montreal, Quebec.<\/p>\n<p>We welcome our new and returning Board members and look forward to their expertise and guidance as we position our company and unique network for the future.<\/p>\n<p>We also say goodbye and give great thanks to\u00a0<strong>Fred Cook<\/strong>, past Chairman of the Board of\u00a0<strong>FICANEX Services<\/strong>\u00a0for his many years of leadership, guidance and service.<\/p>\n<hr \/>\n<h3>MEMBER SPOTLIGHT &#8211; ALTERNA SAVINGS &amp; BANK<\/h3>\n<p><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.ficanex.ca\/Ficanex\/media\/Ficanex\/Newsletter%20PDF\/double-alterra.png\" alt=\"\" \/><\/p>\n<p>In this issue of our Member Newsletter we put the \u201cspotlight\u201d on\u00a0<strong>Alterna Savings<\/strong>\u00a0and<strong>\u00a0Bank<\/strong>.\u00a0<strong>THE EXCHANGE\u00ae<\/strong>\u00a0Network kicked off 2015 with our continued\u00a0<strong><em>\u201cWe\u2019re on Your Way\u201d<\/em><\/strong>\u00a0national marketing campaign and so did Alterna! Using our campaign creative, Alterna has reinforced to ATM users and passerby\u2019s that a surcharge-free ATM is always on your way no matter where life takes you! They used both official language visuals to ensure everyone gets the message! \u201cWe love the vibrant visuals that reinforce to ATM users that, as an Alterna cardholder, they have access to thousands of surcharge-free ATMs, and literally a surcharge-free ATM is on their way\u201d said\u00a0<strong>Tanya Hart, Manager<\/strong>,\u00a0<strong>Marketing &amp; Promotions at Alterna Savings<\/strong>.<\/p>\n<p>Way to go Alterna! We look forward to seeing increased network usage from your cardholders, saving them that needless ATM surcharge, as well as saving Alterna money in reduced interchange fees!<\/p>\n<hr \/>\n<h3>ON AIR AND RIDING THE RAILS COAST TO COAST!<\/h3>\n<p><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.ficanex.ca\/Ficanex\/media\/Ficanex\/Newsletter%20PDF\/riding.png\" alt=\"\" \/>On March 2nd, 2015 Toronto\u2019s GO Train and Vancouver\u2019s SkyTrain commuters started to see us ride the rails! The vibrant posters illustrate to passengers that if they are a cardholder of one of our participating Exchange network Financial Institutions, they have surcharge-free access to thousands of ATMs coast to coast, which means we\u2019re on your way no matter where life takes you!<\/p>\n<p>Also on March 2nd our\u00a0<strong><em>\u201cWe\u2019re on Your Way\u201d<\/em><\/strong>\u00a0radio jingles started to play on radio stations coast to coast. And just a reminder that these jingles can be found in the FI area of our website and are available for you to use on your phone systems and local radio stations. In the FI area of our website, under category\u00a0<strong><em>\u201cWe\u2019re On Your WAY\u201d<\/em><\/strong>, you will find the vast array of marketing visuals for all to use- free of charge!<\/p>\n<hr \/>\n<h3><strong>UNITED STATES EMV MIGRATION UPDATE<\/strong><\/h3>\n<p>The United States continues to move towards implementing EMV (EuroPay, MasterCard and Visa) Chip cards and terminals. Although the US is well on their way with this migration, many published reports indicate that there will still be networks, links, payment terminals and ATM\u2019s that will not be upgraded for some time. As a result, it is important for members to recognize that the number of interoperability issues cardholders may experience when performing transactions south of the border will likely increase significantly before it stabilizes, and that they will likely never completely go away. Unlike the Canadian implementation where, due to the relative simplicity of our environment, all parties agreed in advance on how to implement EMV and scheduled the implementation to minimize disruption, however, the US has not and cannot do the same.<\/p>\n<p>As the US continues their migration activities, we will keep you abreast of any issues that are brought to our attention that may impact Canadian Exchange cardholders and will work closely with our US partners to resolve issues where possible.<\/p>\n<p><strong>FICANEX<\/strong>\u00a0is also working with our US partner, Fiserv, to upgrade our connection to support chip transactions to ensure both Canadian and US cardholders are able to perform Chip card transactions. Although there have been delays in this project, we expect it to conclude in the coming months.<\/p>\n<hr \/>\n<h3><strong>THE EXCHANGE\u00ae NETWORKS ANNUAL EMPLOYEE CONTEST IS NEARLY HERE!<\/strong><\/h3>\n<p>Your favorite contest is fast approaching! Each year<br \/>\n<strong>THE EXCHANGE\u00ae<\/strong>\u00a0Network hosts an annual employee contest where employees of our Financial Institution Participants answer a weekly question for a chance to win weekly cash prizes over a 3 week period. The contest is designed to excite and enlighten everyone about the unique value and benefits of\u00a0<strong>THE EXCHANGE\u00ae<\/strong>\u00a0and\u00a0<strong>Accel\u00ae<\/strong>\u00a0networks.<\/p>\n<p>The contest will be held in June so watch your in-box for an announcement to be released soon. As in previous years, the contest answers will all be easily found in the public areas of our website and the entry process will be fast and simple.<\/p>\n<\/div><\/section><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-266","post","type-post","status-publish","format-standard","hentry","category-member-newsletters"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>April 2015 - Ficanex<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ficanex.ca\/fr\/blog\/2015\/04\/01\/april-2015-2\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.ficanex.ca\\\/blog\\\/2015\\\/04\\\/01\\\/april-2015-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ficanex.ca\\\/blog\\\/2015\\\/04\\\/01\\\/april-2015-2\\\/\"},\"author\":{\"name\":\"Ficanex\",\"@id\":\"https:\\\/\\\/www.ficanex.ca\\\/#\\\/schema\\\/person\\\/8311b925c2a4a2327e65c61c6764ef97\"},\"headline\":\"April 2015\",\"datePublished\":\"2015-04-01T15:42:11+00:00\",\"dateModified\":\"2023-11-27T23:05:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.ficanex.ca\\\/blog\\\/2015\\\/04\\\/01\\\/april-2015-2\\\/\"},\"wordCount\":3630,\"image\":{\"@id\":\"https:\\\/\\\/www.ficanex.ca\\\/blog\\\/2015\\\/04\\\/01\\\/april-2015-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.ficanex.ca\\\/Ficanex\\\/media\\\/Ficanex\\\/Newsletter%20PDF\\\/andrew.png\",\"articleSection\":[\"Member Newsletters\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.ficanex.ca\\\/blog\\\/2015\\\/04\\\/01\\\/april-2015-2\\\/\",\"url\":\"https:\\\/\\\/www.ficanex.ca\\\/blog\\\/2015\\\/04\\\/01\\\/april-2015-2\\\/\",\"name\":\"April 2015 - 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