Developing a Card and NFC Issuer Strategy
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1 Developing a Card and NFC Issuer Strategy Marc Airo-Farulla MBA Director Strategy & Innovation ABnote Australasia 2013 American Banknote Corp. All rights reserved
2 2013 American Banknote Corp. All rights reserved 2 Contents Current Issuing Strategies: -Cards (Magstripe) : - Cards (EMV & Contactless) - Mobile (NFC Contactless Convergence)
3 2013 American Banknote Corp. All rights reserved 3 Current Issuing Strategies Plastic Magstripe Cards -Artwork & Design Customer Colour Choices Titanium Metal Cards Black Colour Core with special Varnish
4 2013 American Banknote Corp. All rights reserved 4 Current Issuing Strategies Plastic Magstripe Cards -Card Issuer features - Loyalty Awards, Show & Save, Interest Free periods, Low Rate interest %, - Provided as part of saving & loan products Savings Account + Debit Visa Card Loyalty & Rewards Automobile Insurer, Roadside Assist, Resort Club Membership cards
5 2013 American Banknote Corp. All rights reserved 5 Current Issuing Strategies Plastic Magstripe Cards - Card Product Differentiation - Debit, Credit, Domestic Debit - Event related products music festivals, sporting - Airlines, Retailers, etc using Points + Pay solutions Co-Branded Payment Cards (Airlines & Banks)
6 2013 American Banknote Corp. All rights reserved 6 Cards (EMV & Contactless) - Addressing Scheme Mandates - Similar opportunities with regards to magstripe...but...opportunities to leverage off of EMV/Contactless Security & Autonomy! - Multi-application scenarios such as Tag-Fly-Buy solutions (Airline Payment & Boarding) - Mobile (NFC Contactless Convergence) Major shift in demographic leverage...
7 2013 American Banknote Corp. All rights reserved 7 Cards (EMV & Contactless) - Addressing Scheme Mandates You can be Contact EMV Plastic Ready! - Choose to introduce new Card look & Feel with the change over from Magstripe to EMV Chip or EMV Contactless New Card Design for EMV Chip to Dual lnterface Visa paywave
8 2013 American Banknote Corp. All rights reserved 8 Cards (EMV & Contactless) - Similar opportunities with regards to magstripe...with opportunities allowing nontraditional payment entrants leveraging off of EMV/Contactless Security & Autonomy! New products are born; - Supermarket Chain branding, with Bank as silent BIN sponsor - Linkage to Petroleum companies with self serve contactless PayPass acceptance (Autonomy for consumer) - Liability shift away from issuer - Allowing new market entrants with value added services
9 2013 American Banknote Corp. All rights reserved 9 Cards (EMV & Contactless) - Multi-application scenarios such as Tag-Fly-Buy solutions (Airline Payment & Boarding) Membership & Payment Card - Multi Tier - Loyalty Points (POS points & pay) and Awards - Lounge Access (Domestic & International) - Public Key Infrastructure (Chip PKI) - Multi-Currency Travel - MasterCard PayPass Debit platform
10 2013 American Banknote Corp. All rights reserved 10 Mobile (NFC Contactless Convergence) Major shift in demographic leverage... - Contactless NFC Payment can to leverage off banks IB mobile platforms - mcommerce extension & P2P - Payment acceptance - Location based services & value add (QR Codes) - Geo-fencing capabilities and informed purchasing
11 2013 American Banknote Corp. All rights reserved 11 Mobile (NFC Contactless Convergence) Customer Value Proposition: As we saw in the earlier slides there are many traditional customer centric services as there are emerging customer centric services...this being said I leave you with the following point... Is it an mwallet War OR is it a Consumer Lifestyle Application Experience that we need? I would say Opportunities as an Issuer you need to play in all, but critically drive your own customer experience...
12 2013 American Banknote Corp. All rights reserved 12 Casestudy...Airline Tag-Fly-Buy NFC Mobile Experience: Imagine your NFC Smartphone Mobile Application doing all of this! - Tap via NFC (RFID) at the Airline Counter Kiosk/Terminal - Download your Boarding Pass (QR Code or 2D Barcode) for scanning at gate - Access the lounge via NFC (RFID) - Pick-up & Pay for your car hire car via NFC (RFID & Payment) Tap-on-Screen - Tag an NFC Smart Poster to download ecoupon and geo-mapping direction to redeem voucher - Pay for Lunch via NFC (Payment) - Hotel check-in and use NFC for access to your room (via participating hotel partner)
13 2013 American Banknote Corp. All rights reserved 13 Casestudy...Banking/Loyalty NFC Mobile Experience: Imagine your NFC Smartphone Mobile Application doing all of this! - All your customers Mobile Interaction within one Application - Conveniently load all your customers Logical Cards - Customer chooses payment card preference - Opt-in Push Notification support to customer - Customer preference lifestyle application - Restaurant cuisine & locations - Coupon downloading - Geo-mapping direction - Banks merchant acquiring preference and loyalty participation - Pay for Dinner via NFC (Payment) - Online Card Present transaction & Public Key (PK) security
14 2013 American Banknote Corp. All rights reserved 14 Closing Remarks ABnote looks at opportunities from your view point, by implementing inhouse capabilities and leveraging key partnerships we look to deploy what you (the issuer) requires & what your customers will love!
15 2013 American Banknote Corp. All rights reserved 15 Thank you! Marc Airo-Farulla MBA Director - Strategy & Innovation ABnote Australasia Pty Ltd T: M: E: marc.airo-farulla@abnote.com.au See us at our booth #205
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