Payments tech SHAZAM operates a diversified payments technology stack and real-time processing capabilities, presenting opportunities to upsell advanced gateway services, real-time settlement enhancements, and expanded issuer/acquirer support for mid-market community banks seeking modernization.

Expansion potential Recent partnerships and client wins, including The Commercial Bank and Hawaii First FCU, indicate ongoing market penetration and opportunities to cross-sell digital banking, fraud prevention tools, and targeted card services to similar community banks and credit unions.

Real-time capabilities Launch of real-time debit card bill pay and partnerships with real-time payout networks suggest a customer demand for faster, more flexible payments; this creates sales potential for full-suite real-time payments, fraud analytics, and instant settlement solutions.

Asset divestment glint Sale of merchant services assets to NCMIC signals strategic restructuring; opportunities may exist to re-engage former or adjacent merchants with SHAZAM’s core networks, or to offer renewed merchant services bundled with core banking and digital experiences.

Security and compliance As a trusted payments network for community banks, SHAZAM can be positioned to offer enhanced security, dispute management, governance, and compliance solutions, appealing to smaller institutions prioritizing robust risk controls and regulatory alignment.