Our team provides useful information to industry practitioners, through various articles, studies and research.

For a successful journey into the future of payments

Redbridge is delighted to announce the acquisition of substantially all the assets of Vizant, a U.S.-based advisory firm specializing in payment cards. The transaction creates a leading global advisor in the fast-growing payment card landscape, uniquely equipped to support merchants and companies in their journey towards digital transformation. Watch our short clip to find out more.

The Complex World of Payment Card Surcharging

With the recent lifting of the ban on merchant surcharging, the U.S. payments industry has not seen widespread adoption. However, as fees continue to climb, card-not-present volumes increase, and there are fewer options to lower fees, merchants are finding themselves backed into a corner.

RAROC: The Most Efficient Tool to Manage Your Share of Wallet

Capital management and risk-adjusted performance are increasingly complex tasks for corporate treasurers, particularly in relation to their banking relationships. Banks have utilized RAROC (risk-adjusted return on capital) – a risk-based profitability measurement – for decades as a key factor in determining their appetite for business relationships with corporations.

Account and Transaction Controls through Account Analysis

In our BAM blog series, we strive to look at the problems of bank account management from a modern perspective. Our first installment focused on proper bank account management practices in the risk-focused world. In this installment of the series, we will discuss using the account analysis or bank fee statements you receive from your banks as a monitoring tool for establishing effective account and transaction controls in your treasury operation.

The Alternative Represented by Trade Finance Funds

The limited capacities of the banks have led to the emergence of alternative finance such as trade finance funds, which are typically launched by industry professionals willing to get involved with transactions that are not in the interest of traditional banks. The universe is still in its infancy with only around 15–20 such funds around the world and total assets under management of less than $10 billion.

Acquisition Finance: Are Banks Advisors? Playing Both Sides of the Fence

Banks position themselves as trusted advisors with the capability of facilitating large financing deals on behalf of their clients. While banks are capable of providing financing advice, they often have interests that conflict with the interests of their clients. Banks are in the difficult position of serving their clients while also maximizing their own profits and protecting their own balance sheets.

Bank Smarter, Not Harder!

Power Up Your Next Bank Relationship and Fee Review. As a treasury professional, having visibility into costs is a starting point for negotiation and cost-saving opportunities with your banks.

Old Dogs, New Tricks

If there is one thing that those close to the payments industry know, it is that the industry is constantly evolving. We see payments getting faster and more convenient. With that said, the one thing merchants rarely see, as a part of all this growth and innovation, is shrinking cost. Payments, particularly card payments, just seem to be growing more expensive. While it is true that some portions of card acceptance, such as the fees paid to an acquirer, may be getting slimmer and more competitive, merchants still foot the bill for the most expensive component – interchange.

Top Seven Tips for Better Bank Fee Negotiations

How do you know you are getting the best rates for the fees you are paying to your banks? You could compare what you have paid in the past or what you pay to other banks. However, are those truly accurate benchmarks? Each banking relationship varies with the multitude of services provided by each bank. The rates you pay in fees could vary just as much as the number of services you use at each bank. Utilize the below tips for smooth bank fee negotiations.

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