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The Way To Make Your Card Business More Profitable April 18th, 2012 EURONET E-BANKING 10th International Conference & Exhibition KARACHI Jean-Louis MEYER.

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Presentation on theme: "The Way To Make Your Card Business More Profitable April 18th, 2012 EURONET E-BANKING 10th International Conference & Exhibition KARACHI Jean-Louis MEYER."— Presentation transcript:

1 The Way To Make Your Card Business More Profitable April 18th, 2012 EURONET E-BANKING 10th International Conference & Exhibition KARACHI Jean-Louis MEYER

2 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 10M smart cards Personalize 500K PP, NID and DL

3 CHALLENGES FACED BY BANKS Trust Reputation Image Build new and stronger client relationships Ressources (Budgets) Economic climate Stagnation of lending activities New entrants Core systems flexibility for new channels 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

4 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.

5 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)

6 INSTANTLY ISSUED CARDS – SHIFT AND LIFT SHIFT Approximately four (4) additional transactions in first ten days INSTANTLY VS. CENTRALLY ISSUED CARDS TRANS PER CARD WITHIN 10 DAYS OF ACCOUNT OPENING TRANS PER CARD WITHIN DAYS OF ACCOUNT OPENING SHIFT LIFT" INSTANTMAILED ASSUMES DEBIT CARD TRANSACTIONS; HIGHER REVENUE FOR CREDIT

7 INSTANTLY ISSUED CARDS – SHIFT AND LIFT LIFT Four additional transactions PER MONTH Observed for a period of 12 months INSTANTLY VS. CENTRALLY ISSUED CARDS TRANS PER CARD WITHIN 10 DAYS OF ACCOUNT OPENING TRANS PER CARD WITHIN DAYS OF ACCOUNT OPENING SHIFT LIFT *ASSUMES DEBIT CARD TRANSACTIONS; HIGHER REVENUE FOR CREDIT INSTANTMAILED

8 CASE STUDY

9 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

10 CASE STUDY 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 One Branch Pilot Installed Validation Process 50 Branches implemented in 50 majors Malls OVER 12 MONTHS

11 CASE STUDY SAVED Time in compare to centrally issue cards Pin mailing costs ELIMINATED Long process to get cards Non activated cards REDUCED Time to queue and Pay using PayPass for less than 25 purchases GAINED New customers More payment generated Instant EMV card replacement services Pin Selection

12 MANY OTHER DATA TO BE SHARED SOON Activation rates remain15 percentage points higher among instantly issued cards, after 30 days (90% vs. 75%) Sources: Carrefour Banque CSA Club presentation, November 19th,2010 Bergamini in Sao Paulo, Brazil 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

13 CHALLENGES Trust Reputation Image Build new and stronger client relationships Ressources (Budgets) Economic climate Stagnation of lending activities New entrants Core systems flexibility for new channels 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 Person to Person contact Personalise offering Emergency replacement when it matters most Timing Reduce costs Enhance transaction fees Gain new clients from competition Cross selling Improve offering Gain a competitive edge Single CMS Interface for all formats

14 THANK YOU! Please join us on our booth and get a CardWizard® Solution demonstration !


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