Datacard Group - Finance

Financial

Secure Issuance Anywhere

Drive revenue, reduce costs and put cards in customers’ hands – no matter where they are.

The competition among financial institutions, banks, credit unions, service bureaus, retailers and other payment card issuers is fierce. Datacard empowers you to manage your card programs the way you want to – with exceptional security, reliability and flexibility – anywhere.

WHAT DO YOU NEED TO ISSUE?

Credit and debit cards

Credit and Debit Cards

Issue new and replacement credit and debit cards, smart card/EMV cards, co-branded cards, and affinity cards quickly, affordably and securely.


Gift cards

Gift and Prepaid Cards

Attract more customers and revenue with creative, secure and memorable plastic gift cards and prepaid cards.


HOW DO YOU NEED TO DELIVER?

Credit and debit cards

Central Issuance

Efficiently produce a variety of cards at high volumes from a secure central facility.


Credit and debit cards

Instant Issuance

Allow customers to use cards immediately.


Credit and debit cards

Self-Service Issuance

Instantly issue personalized payment cards through self-service kiosks


Credit and debit cards

Mobile Issuance

Use mobile phones or other non-card form factors as payment devices.


EMV Professional Services

EMV Professional Services

Understand the basics of EMV smart card programs, benefits and services offered by Datacard Group.


The competition among financial institutions, banks, credit unions, service bureaus, retailers and other payment card issuers is fierce. Datacard empowers you to manage your card programs the way you want to – with exceptional security, reliability and flexibility – anywhere.

WHAT DO YOU NEED TO ISSUE?


/images/solutions_for/Page_Images/Financial/icon-credit-card.png

Credit and Debit Cards

Issue new and replacement credit and debit cards, smart card/EMV cards, co-branded cards, and affinity cards quickly, affordably and securely.



/images/solutions_for/Page_Images/Financial/icon-gift-card.png

Gift and Prepaid Cards

Attract more customers and revenue with creative, secure and memorable plastic gift cards and prepaid cards.



Datacard Group introduced secure, high-speed card issuance over 40 years ago. Today, the majority of the world’s financial cards are personalized with Datacard® technologies. Our fully integrated solutions include hardware, software, supplies and services to drive instant or central card issuance programs.

SECURE ISSUANCE ANYWHERE

Datacard Group empowers card issuers to effectively manage card programs securely, reliably and flexibly — anywhere. Our central card issuance solutions set clear global standards for security, productivity, cost control and card marketing innovation. Our innovative instant issuance solutions are revolutionizing the ways banks and retailers attract and retain cardholders.

PROVEN AND TRUSTED

Datacard invented secure, high-speed card issuance in 1969. Today, the majority of the world’s financial cards are personalized with Datacard® solutions. We collaborate with the world’s leading financial institutions and industry associations to drive standards and thought leadership. We are also the world’s leading authority on EMV® migration and the personalization and post-issuance management of smart cards. Overall, our card issuance experts bring more than 40 years of expertise in best practices to every customer engagement.

HIGH-IMPACT RESULTS

Financial institutions, retailers and other customers trust Datacard to bring differentiation and profitability to their card programs. We help financial organizations improve transaction security, enhance operational efficiency and minimize risk. Most important, we help ensure that card programs attract new customers, drive revenue, reduce costs, increase activation and reduce attrition.

INNOVATIVE SOLUTIONS

Datacard Group offers the broadest range of fully integrated solutions for payment card issuance, including hardware, software, intelligent supplies and global services. Our solutions feature modular and highly scalable designs, which allow you to get maximum return on investment. It also simplifies the deployment of new technologies as they become available.

EXTENSIVE GLOBAL EXPERIENCE.

Every day, Datacard® solutions are used to personalize and deliver more than 10 million cards and five million smart cards. Our solutions enable the issuance of financial cards in nearly every country of the world, and we provide worldwide service and support from offices in more than 120 countries.

Smart Cards/EMV

A greatly simplified transition to EMV issuance


Today, consumers worldwide actively use more than 1.4 billion EMV-compliant chip cards to make payments in retail locations, at kiosks and over the Internet. Datacard Group® smart card solutions — including data preparation software and card issuance systems — are used to issue a majority of those EMV cards. Datacard has over 200 successful EMV implementations all over the world.

Visa’s recent announcement to speed adoption of smart cards in the U.S. will steadily increase the number of active EMV cards and present U.S. card issuers with new operational challenges. Visa’s acceleration of contact and contactless chip technology in the U.S. will also accelerate adoption of mobile payments based on Near Field Communications (NFC) technology.

Whether you plan to issue EMV cards from central locations or via a distributed instant issuance model — or some hybrid of the two models — Datacard offers proven solutions that greatly simplify the transition to EMV card issuance. Highlights of our solution include:

  • Data Preparation - EMV applications require secure generation of chip application data, cryptographic algorithms and risk management elements . Datacard software simplifies this process by augmenting existing magnetic stripe data with EMV specific data that  is  loaded onto the chip. Our software facilitates establishing and configuring the additional risk management parameters, cryptographic keys and authentication certificates.. This data is then formatted and packaged for the personalization process that, from an operator’s perspective, looks just like the magnetic stripe process.

  • Key Management - The introduction of key management makes smart card issuance seem infinitely more complicated than magnetic stripe card issuance. Keys are simply large numbers combined with cryptographic algorithms that ensure security in the personalization process and during transactions. Datacard software manages these keys and automates the insertion of them during both data preparation and personalization.

  • Personalization Software - Our software securely and automatically manages the smart card personalization process. It unlocks the chip, transfers cardholder data and relocks the chip in a process that, again, is transparent to the personalization equipment operator during the issuance process.

  • Payment Device Issuance Systems - The rapid acceptance of mobile applications will likely change the way financial institutions construct their card issuance processes and infrastructures. Datacard offers a broad portfolio of software and hardware systems forhigh-volume (centralized), distributed (instant) issuance of contact and contactless smart cards and for NFC mobile payment applications.   Our key management, data preparation and personalization applications can also be upgraded to support NFC mobile phone wallets.   Modular designs and portable software platformsallow card issuers to add capacity or create hybrid central/instant issuance models for cards and mobile phones.

Vietnamese Bank Makes Profitable Transition

Datacard worked closely with senior leaders and card operations managers at Sacombank to evaluate the bank’s financial card program, including productivity, profitability, security and opportunities for growth. A central card issuance strategy was developed, which featured the Datacard® MX6000™ card issuance system, Datacard® MXD™ card delivery system, Datacard® MXi™ envelope insertion system and Datacard® Affina® smart card software.


Citizens Banks of Las Cruces Responds to Customers’ Needs

By partnering with Datacard Group and utilizing Datacard® Instant Issuance Solutions, the community bank was able to increase customer satisfaction, while reducing expedited shipping expenses and overall disruption to their business.


Card Wizard Client Quotes

Learn what our clients have to say about CardWizard® Software


Advancing Debit Card Program With Instant Issuance - Liberty Bank of Connecticut

The debit card has become a phenomenon in the payment market. According to the 2007 Federal Reserve Payment Study, debit card payments rose 17.5 percent per year to 25.3 billion transactions in 2006 compared to 15.6 billion in 2003. Debit’s strong growth likely indicates that debit transactions are replacing cash, check and even credit card transactions, according to KRC Research.


Instant Issuance Helps Enhance Service Levels - Tower Federal Credit Union Laurel, Maryland

The “I want it now” generation has spurred change in every industry you can name including consumer goods, entertainment, retail and manufacturing. From “pay-at-thepump” to online movies, consumers have been conditioned to expect instant gratifi cation. Financial services customers are no exception. When customers open new accounts or want a new PIN number for a card, they want it now, a scenario that has begun to challenge fi nancial institutions to up the ante in instant customer service offerings.


State Employees' Credit Union - Raleigh, North Carolina

Alleviate members' growing concerns about the credit union's member identification policy, which was seen as overly intrusive. Create member ID cards and add member photos to credit and debit cards at all branches


GreenBank Instantly Issues Unembossed MasterCard Debit Cards

GreenBank, based in Tennessee, actively promotes the use of check cards with new customers. In 2007 nearly 33% of their new customers were not using their cards. The bank began researching long term strategies that would increase debit activation and usage. After a 3-branch pilot, GreenBank launched a Datacard instant issuance solution across its network of 63 branches.


Syntera - Bank of America Success Story

Bank of America improved productivity in its card shop by 45%, enabling it to process many cards a full day sooner than before.


Personalization As A Differentiator In Financial Card Issuance - How to Capitalize on a Sweeping Consumer Trend

Financial institutions need fresh ideas. New legislation has created the need for new revenue sources. Empowered consumers are demanding more from their brands in return for their loyalty. An increasingly connected world is posing new challenges for card issuers and other marketers looking to elevate their offerings. The driving source for real, sustainable and profitable growth in this environment is technology. Financial institutions need to apply relevant and highly differentiated technologies to their business in order to compete and succeed in this market.


Optimizing Card Programs to Appeal to Today’s Consumers

As the financial environment transforms, building lasting, profitable relationships will require financial institutions to develop a deep understanding of consumer preferences and brand loyalty triggers. It will require providing products and services that become fundamental to the consumer’s daily life. For most financial institutions this opportunity lies in payment cards — with a special emphasis on fast-growing debit and prepaid cards.


Manufacturing Efficiency in Card Personalization Operations

This whitepaper provides a summary of theories used for the measurement and analysis of manufacturing efficiency in card personalization operations. The objective is to explain how information contained within an audit trail file with production time stamps can be used to measure and evaluate manufacturing operations, including speed measurement, job size calculation, and performance measurement using techniques to standardize measurement output for variations in average job size.


The Adoption of EMV® Technology in the U.S.

Visa Inc. and MasterCard recently announced plans to accelerate chip migration in the United States by 2015. There is a new sense of urgency for all players in the market to understand what EMV technology means to them. Financial institutions and card issuers need to begin thinking about how this is going to affect them and what the next steps are to ensure that they are well positioned in the market as this migration happens. This paper is intended to help offer the various stakeholders insight into why now may be a good time to re-evaluate business models and card issuance programs.


Transforming Operations for Mass Customization

The market dynamics that are moving card issuers toward mass customization are not likely to go away. Creating unique value for individual customers via mass customization is a natural progression occurring across many different markets, effectively replacing the mass production techniques that preceded them. Card bureaus and other card issuers that embrace the “markets of one” concept and begin adapting systems and processes for mass customization will not only survive, they will thrive and lead in a competitive market.


From Card-to-Envelope: Transforming Card Delivery Programs

Card issuers are advised to consider advanced card delivery technologies in order to create new revenue opportunities and cross-promote other offerings while reducing operational costs and complexity.



Close