About Bank Asya 1996

• Bank Asya has been established

1998

• Credit Card operations started

2003

• Became principal member of Visa

2004

• Number of Credit Cards reached 100.000

2005

• Bank’s name changed as Bank Asya (previously Asya Katilim Bankasi) • Became principal member of Mastercard

2008

• Number of Credit Cards reached 1.000.000 • DIT Card project started

2009

• Transportation & Campus projects started

2011

• Number of Credit Cards reached 1.900.000 • DIT Mobil

2012

• Number of Credit Cards : 2.000.000 • 7 Transportation / 11 Campus projects

Credit Cards in Turkey worldwide acceptance

various installment options

various card & POS campaigns

bonus points to get goods and services for free in shopping

Worldwide assistance & emergency support

Credit Card Market in Turkey Total number of credit cards in Turkey : 

53 mio credit cards, 31,2 billion TL



%100 growth in credit card numbers in 8 years

81 transactions every second (46 trnx in 2007) Average yearly card spending is 6,516 TL (4,060TL in 2007)

(1USD = 1,81 TL)

Bank Asya’s City Card Concept To create a complete city card solution by using the contactless EMV technologies ie Visa Paywave & MC Paypass.

All–in-one

as library card

as campus card/

movie theathers

stadiums

vending machines

car parks

tollpayments

transportati on

city-card concept gives the opportunity to the customers to use the same card not only for shopping but also in :

Benefits for customers No more cash handing Speed of transaction Reliable Increased feeling of security Card remains in hands during transaction Easy pass through motorways and highway toll counters with KGS Replacement usage of tickets in local transaciton facilities (bus, subways, ferry etc.)

Customers Targeted All customers who use credit card Customers who do not want to carry change in their wallets or pockets for their small transactions Customers with frequent usage of motorways, highways and bridges Customer who use local transportation facilities Unbanked customers (uni students, tourists, lowincome groups..)

Benefits for municipalities a fast, effective and reliable transportation system by using contactless EMV chip cards and banking infrastructure

a standardized global solution instead of a local solution

different campaigns and loyalty options

Benefits for universities Covers all campus systems • Uni canteens and refectories • Access gates and turnstiles • Libraries • Car Parks

Full integration with university IT system

Cost saving • Cards are supplied by bank, • In some cases, turnstiles and gates are supplied by bank

Benefits for merchants • Faster transactions, shorter queues • Easy clearance of customer cashbacks • Less usage of change • Decrease in cost of transations and workload

• Benefit from standart EMV card/terminal autentication and risk management rules • Zero liability • Protection like traditional payment cards

Convenience:

Security:

AsyaCard DIT: One card, many functionalities…

System Architecture

System Components Hardware: Card

POS

Reader

Validator

Vehicle Tracking

Card Printers

Cap Reader

Software: Backoffice & Instant Issuing

Credit Card Management System

Prepaid Card Management System

Terminal Management System

KGS-Tollway Software

Core Banking System

Cards

Key options in dual interface EMV cards: Mastercard / Visa SDA/DDA/CDA/fDDA Native or Java Full antenna/half antenna Mifare / DES fire Emulation Storage 12K – 72K

Contact Interface

Contactless Interface

Payment Functionality

EMV Part

Contactless EMV

Non- Payment Functionality

Card Chip Structure

Loyalty Part

Mifare Emulation

EMV Part

• EMV Contact and Contactless Transactions

Loyalty Part

• Transit Data, Loyalty Applications

Mifare Part

• Tollway Payments, Access

Different Card Options Covering all customers with the options:

Contactless Credit Cards

• Classic • Gold • Platinum

Contactless Prepaid Cards

• Campus Card • Allowance Card • Gift Card • Anonymous Card

DIT Pratik– Prepaid Contactless Card

Campus Card Issued for uni students & workers and can be used

As student ID card As access card As library card In transportation (busses & ferries) In shopping (contact & contactless) In ATMs

DIT Pratik– Campus Card

Allowance Card Issued for young children. They are issued with photo or without photo and can be used

In school canteen In transportation (busses & ferries) In shopping (contact & contactless) In ATMs

DIT Pratik– Allowance Card

Gift Card They can be issued with a gift message and can be used

In shopping In school canteen In transportation (busses & ferries) … and it is reloadable

DIT Pratik– Gift Card

Instant Issuing Issuing cards in branches Thermal printing rather than embossing Time saving • Eliminates the time spending in courier & perso office • Takes 15 minutes for credit cards, 1 minute for prepaid cards

Cost saving • Eliminates courier & perso office costs

Especially useful for campaigns and transit

Credit Loading Channels

ATM

Call Centre

POS

Internet (Cap Scripting)

POS & Readers Contact & Contactless payments Offline contactless payments if the amount is less than offline floor limit Online contactless payments if the amount is bigger than offline floor limit Loading offline credit to the chip by using post issuing scripts Payments with offline loyalty points in the chip of the card

Asyacard DIT – Fast low-value payment

Cap Scripting Secure Internet Banking PIN Changing Topping up the offline credit limit For DIT credit cards : Top up the offline balance to the offline limit For DIT prepaid cards : Loading credit by using bank account

Validators Validator Components:

Multimedia POS

GPS

Contactless Reader

GPRS

It is fully EMV compliant device.

DIT Card can be used as ticket in Public Transportation

Turnstiles Turnstiles Components:

Multimedia POS Mechanical Parts

Contactless Reader

ADSL or GPRS It is fully EMV compliant device. Used as financial device or as access device.

DIT Card can be used in ferry turnstiles..

Tollway Payments KGS is tollway payment system in Turkey Administered by Transportation Ministry More than 300 Gates allover Turkey Mifare Readers are used in KGS Gates Mifare emulation of Dual Interface cards are personalized according to the KGS mapping KGS transactions are reflected in the Credit Card statements

AsyaCard DIT has KGS feature which allows easy pass from motorways, highways and bridges…

You can use AsyaCard DIT instead of cash in taxies…

Bank Asya Case Study: Bolu Transportation Project

Bank Asya Case Study: Some figures

6 Transportation Projects in different cities of Turkey (243 Validators)

Ferry Project in Istanbul (23 Turnstiles)

11 Campus Projects (126 Turnstiles & Gates)

13 Taxi (in İstanbul)

Bank Asya Case Study: Some figures

Awards Oscards 2008 Finalist

Cards & Payments Awards’09 Winner (Best Credit Card Program Launch)

Best Mastercard Paypass Debit/Prepaid Card Product in Turkey ‘10

Visa Europe Member Awards’09 Winner (Best Cash Displacement Initiative)

Future…

Contact Details Mustafa Olmez Bank Asya - Payment Systems Senior Vice President

Email: [email protected] Direct: +90 216 635 57 00 Mobile:+90 533 66 99 309