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Smarter issuing starts in the back office.

How automation is solving operations pain points and unlocking strategic value for modern card issuers

The Thredd team

August 05, 2025

From manual reconciliation to time-consuming compliance reporting, today’s card issuers face mounting operational challenges behind the scenes. In our latest webinar, we explored how automation in the Back Office isn’t just a process improvement—it’s a competitive advantage. Here's what we covered, and how Thredd is helping payments businesses move faster, stay in control, and scale with confidence. 

Fixing the friction in the back office. 

While payment innovation has transformed the customer-facing experience, back-office operations like reconciliation, settlement, reporting, and compliance are still largely manual. For fintechs, banks, and payment providers, that means spreadsheets, siloed systems, and rising regulatory pressure just to stay compliant. 

Common challenges we explored: 

  • Transaction reconciliation requires matching authorisation and settlement data across currencies—painstaking work that gets riskier as volumes grow. 
  • Scheme reporting takes hours every quarter to format and submit QMR and QOC reports—routine tasks that can be fully automated. 
  • Network fee transparency is vital for margin management, but fee data is often hidden in fragmented sources. 

Smart automation, built for action. 

During the live demo, we showed how Thredd’s Automated Back Office turns these manual processes into smooth, scalable workflows: 

  • Reconciliation tools automatically match data and flag exceptions, letting teams focus on what matters. 
  • Regulatory reports (QMR, QOC) are generated in minutes—accurate, compliant, and ready to submit. 
  • Network fees are fully unpacked, giving teams clear insights into trends, anomalies, and opportunities to optimise. 
  • It all runs on an intuitive platform, removing the need for complex spreadsheets or chasing down files. 

Gone are the days of Excel formulas and manual downloads. With Thredd, reconciliation and reporting happen in real time, directly within the platform.

Anthony Gudgeon, Head of Fraud, Thredd

Scaling made simple. 

One standout insight: how quickly issuers can get started. Thredd clients typically go live within weeks, without needing to rework existing systems. For self-issuers, setup is seamless—operational data is already in place. BIN sponsors and BaaS providers are next, with structured integrations now in progress. 

Coming soon to the platform: 

  • Custom reconciliation for non-card data 
  • Program invoicing for BIN sponsors 
  • Real-time treasury controls for cash and risk management 
  • Streamlined dispute resolution and merchant alerting 

Strategic value, not just efficiency. 

Whether it’s a cross-border provider reconciling transactions in near real time, or a corporate card issuer scaling without additional headcount, the results are clear. Automation in the Back Office doesn’t just save time—it drives strategic progress. 

Clear answers on cost and integration. 

Attendees asked practical questions about setup, system compatibility, and pricing. Thredd confirmed a flexible, usage-based model with no infrastructure overhaul required. 

Automation frees up teams to focus on launching new products and improving customer experience—not wrangling spreadsheets and deadlines.

Kathrina Novak Senior Product Manager, ABO, Thredd

Ready to rethink the back office? 

With a proven track record, easy onboarding, and a product roadmap built around client needs, Thredd’s Automated Back Office helps every issuer, from scaling fintechs to global banks, work smarter and stay future-ready. 

Watch the webinar replay or get in touch for a tailored demo. 

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