Covering Your Bases: The State of EMV & Beyond
We are the world leader in digital security
$3.3bn 2014 REVENUE
+2bn END USERS BENEFIT FROM OUR SOLUTIONS
14,000+ 116 180+ EMPLOYEES
NATIONALITIES OF OUR EMPLOYEES
COUNTRIES WHERE OUR CLIENTS ARE BASED
2,900 R&D ENGINEERS
114 NEW PATENTS FILED IN 2014
We’re unique. We’re global. We’re innovative
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Gemalto #1 in Payment Cards Total EMV Card Shipments 2014
Note: Chip cards include Visa, MasterCard, American Express, JCB, and Maestro cards with mag-stripes as well as ATM-only and domestic-only debit cards, transportation cards, and other proprietary cards. © 2015 The Nilson Report
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Total Chip Card Shipments 2014 Rank
Manufacturer/Headquarters
Millions
1
Gemalto Netherlands
2
Oberthur France
3
Giesecke & Devrient (G&D) Germany
896.1
4
Morpho Germany
773.7
5
Watchdata System China/Singapore
602.0
6
Bluefish Technology Denmark
321.0
7
Beautiful Card Taiwan
273.9
8
Jing King Tech Holdings Hong Kong
191.2
9
Asia Credit Card Production China
182.0
10
Exceet Card Group Germany
169.6
11
Goldpac China
156.4
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COS Software Co. China
119.7
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DZ Card Thailand
101.0
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Valid Brazil
96.2
15
HID Global United States
93.0
16
China Card Group China
91.0
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CPI Card Group United States
90.6
2,479.2 1,127.9
Experience Matters Scale Matters Global Presence Matters
EMV Adoption Map
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US EMV card projections (millions)
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Six of every ten US terminals to support EMV cards by end of 2015
U.S. Penetration Forecast of EMV Ready Hardware Terminals (In millions of locations/percentage of locations) Source: Aite Group
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Contactless Payment is on its way to the US
All EMV Ready POS terminals have contactless acceptance hardware Merchants control activation of contactless
acceptance hardware ApplePay is driving merchant activation of contactless POS infrastructure Top US Banks are launching contactless pilots today Strong demand from regional & community FI market
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It’s not too late to launch your EMV program Only an est 30% of small banks have migrated to EMV
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Shoreline’s Processor Ready Program offers Turnkey EMV and Instant Issuance solutions
Integrated and certified with all nine US Payment Processors
Durbin compliant profiles Pre- Approved by payment associations
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Shoreline’s Instant Issue Program & All About Me Justin O’Brien Solution Sales Manager
Shoreline Confidential
Why Instant Issue?
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New Revenue Generation Greater card usage, share of wallet Increased activation rates Attract new cardholders
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Operational Savings Reduced paper, postage, and mailing costs Lower card printing and inventory expenses Lower emergency replacement cost
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Lower EMV costs
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Increase Card Holder Satisfaction
June 2015
Shoreline Confidential
Cards In An Instant Overview
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Cloud Based
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Datacard Card Wizard Software
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Multiple Integrations
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No Licensing fees
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Low EMV Implementation Costs
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Low Monthly Flat Fee
June 2015
Shoreline Confidential
Security
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Server stationed in our Atlanta Secure facility All Network traffic is encrypted Software exceeds all Visa & MasterCard instant issue security guidelines Hardware contains secure logical locks, supple compartment, and reject BINS
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Software enforced dual control
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Inventory management
June 2015
Shoreline Confidential
Proudly certified by
Integrations
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Pull Grabs Card Holder information from Core System Account number, Record Locator, etc..
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Pull Core wrote integration to CardWizard platform Easy to use since it involves software branches currently use
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Switch Real Time upload Real Time activation available
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June 2015
Shoreline Confidential
CD820 Card Printer
o o o o o o o o o
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Near Edge to Edge, Direct to Card Printer EMV Compatible Single Hopper Secure Reject BIN Logical Locks Manual Feed Pre-printed card stock White Card Stock Small footprint
June 2015
Shoreline Confidential
CR500 Card Printer
o o o o o o o
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Over the Edge, Retransfer Card Machine EMV Ready 3 Input Hoppers Secure Reject BIN Manual Feed White Card Stock Secure Reject BIN
June 2015
Shoreline Confidential
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June 2015
Shoreline Confidential
Customized Cards Online
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The standard AllAboutMe customization software can be seamlessly integrated into the banks website to allow for the online customization of cards
It will allow customers to upload their own image or select one from a gallery of images
June 2015
Shoreline Confidential
The Business Case
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Gemalto are the world leaders and founders of Card Customization with their patented AllAboutMe software
Increase in Loyalty Increase in Activation Allows for Cross selling Retention Usage
America First Credit Union • 62% penetration of debit portfolio • 8 more transactions a month than non-picture debit card users
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June 2015
Shoreline Confidential
Image Conscious
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Still cater to card holders by providing a gallery of images for their card over their generic blue, red, yellow stock cards etc.
• Typically there is a 80%-20% custom to stock image ratio unless a wider gallery choice is offered
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June 2015
Shoreline Confidential
Mobile
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AllAboutMe on mobile allows cardholders anywhere to upload their favorite image from their android or IOS device, or even take a photo wherever they are in the world.
June 2015
Shoreline Confidential
Image Checking
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Image Checking is an easy-to-use, web-based interface that allows a custom image uploaded by the card holder to be screened prior to printing. The moment a cardholder submits a card design through the banks customized card program, the image can be reviewed online. A decision is then made as to whether or not the image is suitable to be placed on the front of a payment card. This mandatory function can be undertaken by the Issuer themselves or they can utilize the dedicated Serverside Group Image Checking team.
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June 2015
Shoreline Confidential
QUESTIONS PLEASE
[email protected]
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June 2015
Shoreline Confidential
