The Way To Make Your Card
Business More Profitable
April 18th, 2012
EURONET
E-BANKING
10th International Conference & Exhibition
KARACHI
Jean-Louis MEYER
COMPANY OVERVIEW
Leader in personalization of:
 Financial cards
 Passports
 Identification cards and secure documents
• Preferred partner for financial institutions and
government agencies
• Service and support in 120 countries
• Datacard Solutions
Personalize and
deliver
12M cards
centrally and
remotely
Personalize
over
Personalize
10M
PP, NID and DL
smart cards
500K
CHALLENGES FACED BY BANKS
Trust
Reputation
Image
Core systems
flexibility for
new channels
Build new and
stronger client
relationships
Ressources
(Budgets)
New entrants
Transforming Retail Banking to Reflect the New Economic
Environment - The changing face of retail banking in the 21st
century - A report by the EFMA Banking Advisory Council in
partnership with Microsoft
Stagnation of
lending
activities
Economic
climate
SECURE ISSUANCE ANYWHERE CONCEPT
Datacard empowers you to manage card programs exactly the way you and your cardholder
desire — securely, reliably and flexibly — anywhere, anytime.
WHAT IS INSTANT ISSUANCE?
What
• Issuance of permanent, personalized
debit/credit/prepaid cards
• New account cards
• Emergency card replacements
• Auto-activated for immediate customer use
• A PCI PA-DSS compliant solution
Where
• Bank/ branches (debit/credit)
• Retail stores (credit)
• Colleges/Universities (debit)
• Events (debit/prepaid )
• Attended kiosks (debit/ prepaid)
• Branchless Banking and Telco (Prepaid, SE)
INSTANTLY ISSUED CARDS – “SHIFT AND LIFT”
“SHIFT”
Approximately four (4)
additional transactions
in first ten days
INSTANTLY VS. CENTRALLY ISSUED CARDS
“LIFT"
11.30
“SHIFT”
7.40
4.00
0.20
TRANS PER CARD
WITHIN 10 DAYS OF
ACCOUNT OPENING
INSTANT
TRANS PER CARD
WITHIN 11-45 DAYS OF
ACCOUNT OPENING
MAILED
ASSUMES DEBIT CARD TRANSACTIONS; HIGHER REVENUE FOR CREDIT
INSTANTLY ISSUED CARDS – “SHIFT AND LIFT”
“LIFT”
Four additional
transactions PER MONTH
Observed for a period of 12
months
INSTANTLY VS. CENTRALLY ISSUED CARDS
“LIFT”
11.30
“SHIFT”
7.40
4.00
0.20
TRANS PER CARD
WITHIN 10 DAYS OF
ACCOUNT OPENING
INSTANT
TRANS PER CARD
WITHIN 11-45 DAYS OF
ACCOUNT OPENING
MAILED
*ASSUMES DEBIT CARD TRANSACTIONS; HIGHER REVENUE FOR CREDIT
CASE STUDY
CASE STUDY
SAVED
Issuance of
temporary
ATM-only cards to
new customers
ELIMINATED
Postage expenses
for new check cards
and PIN mailers
“Rush” card
expenses
REDUCED
Check processing
expenses
Fewer checks
written
GAINED
Control over card
replacement
process
CASE STUDY
OVER 12 MONTHS
One Branch Pilot
Installed
Validation
Process
By issuing dual Interface EMV PayPass™ MasterCard® cards
instantly, Carrefour Banque became the first retail bank in
Europe to provide this kind of innovative, convenient
program for its customers.
Cards are instantly issued and activated in their Financial
Services desks and , customers can benefits from
incomparable set of advantages
50 Branches
implemented in
50 majors Malls
CASE STUDY
SAVED
ELIMINATED
REDUCED
GAINED
New customers
Time in compare to
centrally issue
cards
Pin mailing costs
Long process to
get cards
Non activated
cards
Time to queue and
Pay using PayPass™
for less than 25€
purchases
More payment generated
Instant EMV card
replacement services
Pin Selection
MANY OTHER DATA TO BE SHARED SOON
Activation rates remain15 percentage points higher among
instantly issued cards, after 30 days (90% vs. 75%)
Bergamini in Sao Paulo, Brazil
Sources: Carrefour Banque CSA Club presentation, November 19th,2010
Many other Projects successful in EMEA !
• Arab National Bank, Saudi Hollandi Bank
• BancoSol in Angola
• Major card processing company in Nigeria
• Major Bank in UK
• Carrefour Banque
• ……….
More than 700 financial institutions with 6,500+ CardWizard® software branch
installations Worldwide
CHALLENGES
Trust
Reputation
Image
Person to Person
contact
Core systems
flexibility for
new channels
Personalise offering
Single CMS
Interface for all
formats
Build new and
stronger client
relationships
Emergency
replacement when
it matters most
Timing
New entrantsImprove offering
Reduce costs
Gain a competitive
edge
Enhance transaction
fees
Gain new clients
from competition
Cross selling
Transforming Retail Banking to Reflect the New Economic
Environment - The changing face of retail banking in the 21st
century - A report by the EFMA Banking Advisory Council in
partnership with Microsoft
Stagnation of
lending
activities
Economic
climate
Ressources
(Budgets)
THANK YOU!
Please join us on our
booth and get a
CardWizard® Solution
demonstration !