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Jake Fowler

The Future of Instant Card Issuance



Paulette Courtney, Sales Engineer- Card Services
Stephen Nikitas, Senior Marketing Strategist


In our brave new world of instant gratification, consumers won’t wait 8-10 business days to receive a debit card in the mail. They want it immediately, at the time they open their account, whether in-person at the branch, over the phone, or online.

Known as the "Amazon Effect" because of the retail giant’s ability to remove friction from the online shopping process, today’s consumers demand the same level of speed and convenience wherever they go.

Financial institutions that can meet this demand with instant card issuance will gain a head start over their competitors in engaging and retaining account holders.


  1. The "Amazon Effect" and the need for instant gratification
  2. Instant issuance in the evolving branch environment
  3. Considerations when adopting instant issuance


  1. Learn more about the future of instant issuance and its growing importance to banks and credit unions.
  2. How to adapt to changing consumer desires
  3. Learn about instant issuance adoption

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Paulette Courtney

Sales Engineer - Card Services

Paulette Courtney is a Sales Engineer based in Los Angeles, California. She joined Harland Clarke in 2017, bringing more than 10 years of experience in technical product management, customer-focused selling, and business development. Her extensive knowledge of the payment industry helps clients make their cards top of wallet and maintain cardholder loyalty. Paulette is tasked with supporting the sales team in card manufacturing, card personalization, and instant issuance.

Steve Nikitas

Senior Strategy Director, Harland Clarke

Steve Nikitas joined Harland Clarke in October 2010 and has more than 30 years of experience in strategic planning, marketing, public relations and executive speechwriting. He has been a senior executive at financial institutions in New York, California and Massachusetts, developing and implementing sales and marketing programs that resulted in significant growth rates in loans, deposits and accounts.

As senior strategist with Harland Clarke Marketing Services, Steve provides consultative services to banks and credit unions, helping them craft marketing and retail strategies and campaigns to take advantage of existing market and financial conditions and to grow targeted portfolios.

Steve speaks on a variety of topics aimed at helping financial institutions grow and prosper, including loan portfolio growth, account holder retention, and turning regulatory issues into opportunities. Steve holds an M.B.A. from Clark University, an M.Ed. from Fitchburg State College and a B.A. from Boston University. 

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