Ginger Schmeltzer

Ginger Schmeltzer

Senior Analyst

Areas of Expertise: Bill Payment and Bill Presentment (EBPP), Card Issuance, Card Products (Credit, Debit, and Prepaid), Credit/Interest Rate, Cross-Border Payments/Remittances, Digital Transformation, Digital Wallets, Merchant Acquiring, Mobile Banking, Online Banking, Open Banking, Payments Acceptance Technologies, Person-to-Person (P2P) Payments, Personal Financial Management, RDC/Mobile Capture, Real-Time Payments

Ginger Schmeltzer is a senior analyst for Aite-Novarica’s Retail Banking & Payments practice covering enterprise retail payments, emerging payments, and the processor and acquirer landscapes.

Recognized as a payments and digital banking expert, Ms. Schmeltzer has over 20 years experience providing strategic planning and analysis to the global banking and payments industry as a banker, a vendor, and a consultant. She was named one of the Most Influential Women in Payments in both 2013 and 2014.

Prior to joining Aite-Novarica, Ms. Schmeltzer was the principal and founder of GDS Advisors, a strategy consulting firm focused primarily on fintech, digital banking, and payments. Her firm advised large banks, card associations, fintech companies, economic development organizations, and card issuers and acquirers. Before GDS Advisors, Ms. Schmeltzer was SVP of emerging payments at Fiserv, where she led development and execution of enterprisewide initiatives to facilitate the delivery of new payment services, provided strategic advice and direction to Fiserv clients, and helped guide roadmap planning and development for many Fiserv product teams. Prior to joining Fiserv, Ms. Schmeltzer served as SVP of digital channel management at SunTrust Bank, where she oversaw the bank's online banking, mobile banking, and digital money movement product offerings. Before SunTrust, Ms. Schmeltzer was a senior manager at global financial services and payments firm Edgar, Dunn & Company, where she led development of the firm’s mobile financial services practice. 

Ms. Schmeltzer has been a guest speaker at many industry conferences, including Fiserv Forum, Money 2020, BAI Retail Delivery, and Net.Finance. She holds an MBA from Emory University and summa cum laude BA degrees in International Business and Spanish from Virginia Tech. Ms. Schmeltzer is fluent in Spanish, is attempting to learn Portuguese and piano in her spare time, and is actively involved in supporting the education of girls in the refugee community in the Atlanta area.



Thursday, March 11, 2021 | 11 a.m. ET
A year in, the COVID-19 crisis and subsequent government responses continue to have a significant impact on the global economy. In this webinar moderated by Aite Group senior analyst Rodney Nelsestuen, 11 analysts will provide an overview of the pandemic’s effect across the financial...
Thursday, January 14, 2021 | 11 a.m. ET
Join Aite Group research director David Albertazzi and his expert team for a live one-hour webinar as they identify the top 10 trends that will shape the retail banking and payments landscape around the globe in 2021 and beyond. Attend the webinar to: Learn how the retail banking and...

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