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

The Way To Make Your Card Business More Profitable

April 18th, 2012EURONET

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

10M smart cards

Personalize500K

PP, NID and DL

CHALLENGES FACED BY BANKS

TrustReputation

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

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

TRANS PER CARD

WITHIN 10 DAYS OF

ACCOUNT OPENING

TRANS PER CARD WITHIN 11-45 DAYS OF ACCOUNT OPENING

0.20

4.00

7.40

11.30

“SHIFT”

“LIFT"

INSTANT MAILED

ASSUMES DEBIT CARD TRANSACTIONS; HIGHER REVENUE FOR CREDIT

INSTANTLY ISSUED CARDS – “SHIFT AND LIFT”

“LIFT”Four additional transactions PER MONTHObserved for a period of 12 months

INSTANTLY VS. CENTRALLY ISSUED CARDS

TRANS PER CARD

WITHIN 10 DAYS OF

ACCOUNT OPENING

TRANS PER CARD WITHIN 11-45 DAYS OF ACCOUNT OPENING

0.20

4.00

7.40

11.30

“SHIFT”

“LIFT”

*ASSUMES DEBIT CARD TRANSACTIONS; HIGHER REVENUE FOR CREDIT

INSTANT MAILED

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

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

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

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

CHALLENGES

TrustReputation

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 mostTiming

Reduce costsEnhance transaction

fees

Gain new clientsfrom competition

Cross selling

Improve offering Gain a competitive edge

Single CMS Interface for all formats

THANK YOU!

Please join us on our booth and get a CardWizard®

Solution demonstration !