Independent debit-card analytics for community banks.

You already receive the reporting. PDEX independently measures what it means.

No new dashboard. No core integration. No compensation from any card network, core provider, or card processor.

Independent. Verifiable. Measured.
Published reference data, cited beside every number.
Start with a 20-minute conversation See the First Read

You probably don't need another dashboard.

Your processor already sends you reporting. The problem is that those reports don't always answer the questions management and the board actually ask. PDEX takes the data you already receive and measures what it means.

The Board Questions

Five questions your board should be able to ask.

  1. What is our debit program earning per transaction — and which way is it moving?
  2. How does that compare with published reference data?
  3. How many of our issued cards are actually being used?
  4. Which decline reasons are occurring — and is the card used again afterward?
  5. Given all of that, what deserves our attention first?

The Quarterly Board Page keeps the answers current, every quarter.

The Board Question — Episode 1 · Presented by an AI narrator · PDEX
View the original post on LinkedIn · Episode page

The First Read

This is what you actually get.

Page one of the sample PDEX First Read for an illustrative community bank: the Board Question — what does our debit program earn per transaction, and which way has it moved over the last three years — answered with illustrative figures and published references.

View the Measurement Detail (PDF)

Illustrative. Every institution figure is invented to show the format; it describes no real bank and no real client. Published reference figures are real and cited.

Want to see what your own reports can answer?

Start with a 20-minute conversation
How It Works

Three steps, nothing more.

01

Twenty-minute conversation

Four questions about your processor, your reporting, and your card portfolio. No preparation needed.

02

First Read

If the reports fit, PDEX reviews the reporting you already receive — under NDA, on the bank's paper — and delivers a complimentary First Read: one Board Question, answered from your own data, every reference cited beside the number.

03

Quarterly Board Page

If the bank wants the measurements kept current, PDEX delivers the Quarterly Board Page and its Measurement Detail every quarter for the term of the engagement.

Independence

Independent means independent.

PDEX charges the bank a flat fee and nothing else. PDEX receives no compensation from any card network, core provider, or card processor. If PDEX and your processor reach the same conclusion, your bank has independently confirmed the answer.

A processor's reportGrades the processor's own work.
An independent measurementUses the same data and a published answer key.
The Founder

Built by a payments veteran with 20 years in the industry — most of it on the merchant-acquiring side. PDEX applies that knowledge independently to the issuing side of debit.