Prior to Frank D'Angelo joining Metavante in 1997, the Milwaukee-based company made its name as a core-processor provider. It's been D'Angelo, the company's senior evp and president of payment solutions, who has been the driver behind Metavante becoming a leading payments provider, which includes over 80 million debit and prepaid cards on its cardbase.

Metavante's Payment Solutions Group, for which D'Angelo is responsible, accounted for 60 percent, or $962 million, of Metavante's total revenue for 2007. The group has average annual revenue growth of 40 percent over the past three years.

He is also chairman of the board for Monitise Americas, a joint mobile banking venture launched late in 2007 between Metavante and U.K.-based Monitise plc. D'Angelo says that he sees mobile payments as a differentiator for banks in the not-too-distant future. He notes that Monitise Americas supports both JAVA applications and SMS solutions. "We took the approach of forming this joint venture to really open [mobile payments] up some more and not make it a Metavante captive," D'Angelo says. "Use of a debit card at the point of sale is ubiquitous. Just the same way that you think about using your debit card or credit card today, using your mobile solution should be ubiquitous. That's the goal of this thing."

This year Metavante also launched its Healthcare Payment Solutions business line under D'Angelo's direction. D'Angelo says that with the wave of Baby Boomers entering retirement in the coming years, HSA, HRA and FSA products will take on greater importance. This group is developing a combination ID/health payment card and building a Web-based portal for FIs that provides education and tech-support to patients.

The greatest difficulty he and his team have faced over the past twelve months, and will continue to face in the year ahead, is finding new products to either keep customers with their bank or draw customers away from competitors.

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