Europeans and their bankcards
|
|
- Roderick Pearson
- 8 years ago
- Views:
Transcription
1 Europeans and their bankcards I cittadini europei e le loro carte di pagamento bancario... risultati di una ricerca sul campo ABI Meeting Carte 2003, Rome 7th November 2003 David Stephenson Groupement des Cartes Bancaires "CB", France 1
2 Presentation Topics Overview & Role of Cartes Bancaires "CB" Are the French bankcard user s satisfied? Profile of other European cardholders 2
3 An Introduction to "CB" "CB": : non-profit organisation offering services to member banks. Established in 1984 to co-ordinate, promote and implement French card payment network rules & operations A A national payment system completely interoperable with Visa & MasterCard System based on Chip & PIN since
4 CB Members 11 principal banks representing 170 financial institutions and credit establishments: all members of Gie des Cartes Bancaires «CB» 4
5 International Partners CB Member Banks 5
6 Interoperability: CB at the heart of the system * For transactions with International cards CB Member Banks CB Issuing Bank RCB Authorisation Network CB Acquiring Bank Cash ATM Payment (Cardholder) (Merchant) 6
7 Role of the "CB" organisation 1 / 4 1 Definition of interbanking rules, technical standards & type approval (cards, terminals, protocols) 2 Ensure interoperability with Visa, MasterCard and the French automated clearing system GSIT 7
8 Role of the "CB" organisation 2 / 4 3 Security & Risk Management: SICB: in-house information system, and RCB: domestic authorisation & switching network CB Issuing Banks CB Acquiring Banks VISA Issuing Banks Mastercard Issuing Banks 8
9 Role of the "CB" organisation 3 / 4 4 Providing the minimum legal framework for contractual relationships: between members & cardholders between members & merchants monitor European regulatory issues 5 Continuous co-operation with Merchant & Consumer Associations 9
10 Role of the "CB" organisation 4 / 4 6 Technology watch, surveys & development on behalf of Members eg: GSM card acceptance, e-purse, e-commerce,... 10
11 "CB" Members Share Technology & Offer Competitive Services Member Banks are completely independent with regard to: MARKETING POLICY CUSTOMER RELATIONS CARD ISSUANCE MERCHANT RELATIONS TARIFICATION TRANSACTION PROCESSING (in-house or third party) 11
12 Continual progression in CB card usage N transactions (millions) billion transactions Growth 8-10 % p.a billion payments = 190 B uros 2002 Activity billion cash withdrawals = 75.9 B uros
13 Growth in N o transactions & N o cardholders Brest 45.4 million cards average 21.3 m transactions per day peak = 25 m transactions 7 m authorisations daily 1 new card every 3 seconds Nantes Bordeaux Paris Reims Lyon Strasbourg Toulouse Marseille Monaco 13
14 Aim for the widest possible number of Points of Acceptance 1 million Points of Sale: 766,000 merchant terminals 230,000 card activated terminals Acceptance logos at CB merchants 3 million cardholder owned terminals with a chip card reader TV decoders, mobile phones, minitels, PC card readers 38,975 ATMs 14
15 CB Card Usage: Transaction types 96% domestic cash withdrawals 23.69% distance selling 1.00% 4.24% vending machines 71.07% eftpos payments Au 1er janvier
16 CB Cards: the Users Opinions since 1990 CB undertakes regular surveys to understand the customers perception of the CB system & to measure: Cardholder Satisfaction Card usage and Merchant opinions User profiles & behaviour User Expectations & other Marketing related issues This year, in addition to France we also surveyed 6 other countries CB Members Strategy 16
17 Possession of CB cards in % of the French aged 18 and over hold at least 1 bankcard On average 1.17 cards 1.26 in age group in PCS+ social group Cards issued by Base : Ensemble des multi-détenteurs de CB % A 1 single seule banque bank Number of Cards Two Deux 14% Three Trois 2% 2 banques banks 10 3 banques or more banks or ou more plus 2% 4% of French adult population possesses a payment card for professional purposes One Une 82% 17
18 Increased Frequency of Use Continual Progression for payments... cash withdrawals stable - 75%: almost 8 out of 10 cardholders use their card at least once a week for purchases cf. 64% in April on average 93 payments and 26 cash withdrawal per card per year Regular increase in use for Internet payments - 21% cardholders now use their card for Internet transactions (cf 13% in 2002 & 9% in 2001) 18
19 CB is preferred payment instrument in France Q.57 : When you have the choice between using Cash, Cheque or your CB card, which do you prefer? Rappel.. oct-98 Rappel.. sept-02 sept-03 81% in PCS + group 66% 68% 69% 24% in population 65 and over 32% in age group 23% 18% 17% 11% 14% 13% CB CARD CB Chèque CHEQUE Liquide CASH in 2002: more transactions made with CB cards than using cheques 19
20 CB is preferred payment instrument in France October 2002 CB CARD Cheque Cash PREFERRED PAYMENT INSTRUMENT 68 % 14 % 18 % REASONS % % % Convenient Easy to use Rapid Secure Better control of spending Discrete Use out of habit Use because no cash at hand October 2003 figures are similar with 51% finding it easy to use cf. 41% in
21 97% Cardholder Satisfaction Très very satisfait satisfied Peu fairly satisfait satisfied not really Assez satisfied satisfait Pas not du at all tout satisfait satisfied Merchants ATMS Merchants Commerçants France (B : 826) DAB France (B : 838) Commerçants étranger (B : 375) in France (France) outside France 21
22 Points of Acceptance: where CB cardholders would like to be able to use their card more often Q93 Quels sont les lieux où vous souhaiteriez pouvoir utiliser plus souvent votre carte bancaire? (citer) sept-02 sept-03 Base : Porteurs de cartes CB de 18 ans et Health Professionals % % Les professions de santé Public Les services Services publics Home Les livraisons deliveries à domicile Taxis Les taxis vending Les distributeurs machines automatiques open Les marchés air markets local Les commerces shops de proximité others Autres 10 2 NR no reply 22
23 Reasons for NOT using a CB card for payments and / or cash October 2002 October 2003 % population which doesn t have a CB card 16% 13% % Don t need a card / can use something else pay by cheque prefer to go to the bank for cash use other cards Reservations afraid of losing card or card being stolen afraid of controlling spending with a card Don t have the opportunity bank has never suggested it use a member of my family s card used to have one but bank cancelled it bank refused to issue one Other reasons too expensive It s too complicated to use (must remember pin, etc...) Some merchants don t accept it
24 Win-Win for "CB" Stakeholders The Merchants Petrol Stations Local Shops Hypermarkets / Department Stores Hotels / Restaurants Specialised Consumer Goods Health Professionals Leisure & Transport Luxury Commerce 24
25 Merchant Opinions > 70-90%: CB cards provide a better guarantee (versus cheques) > 80% payment with CB cards is more secure than cash > 90% CB card acceptance is an essential service for today s clientele 90% payment with a CB card guarantees merchant will be paid 60% payment by CB card simplifies merchant accounting 50-60% CB card payments reduce checkout times or time needed to process invoice only 15-30% think CB card payments are less expensive to manage than cash 25
26 Chipcards: the cardholder s perception Q104 : Grâce à la puce, l utilisation de la carte bancaire à l étranger sera bientôt sécurisée au même niveau qu en France. Cette nouvelle garantie de sécurité vous inciterait-elle à utiliser plus souvent votre carte à l étranger pour le paiement de vos achats? 80% of cardholders consider that the smart CB bankcard is secure 77% of cardholders will use their card more often abroad with the arrival of EMV NSP 1% ST Non 22% 12% 10% 36% 41% ST Oui 77% NO NO YES YES NOT REALLY PROBABLY DEFINITELY 26
27 PIN code as an identifier: what does the user think? Q.28 : Today, it is your bank which for security reasons which selects your PIN code. Would you like to be able to choose it yourself? Q.29 : Would you be willing to use a code longer than 4 digits? Q.30 : Do you use your CB PIN code for other uses? e.g. code for GSM telephone Q.31 : In the future, would you accept using your fingerprint instead of the PIN? 68% of which 18% wanted 5 digits and 66% 6 digits 46% replied OF COURSE!! 34% 32% 10% Fingerprint Longer PIN Choice of PIN by User PIN used for other uses 27
28 Bankcard holders by Country France Royaume Uni Pays Bas Belgique Allemagne Espagne Italie Base : ensemble % % % % % % % Possèdent Possesses une a carte bankcard bancaire Cartes * a National bancaires card nationales Cartes * an International bancaires internationales card Ne does possèdent not have aucune any de card ces cartes Porte-monnaie électronique * Electronic Purse ? Carte privative * Private Label Card ε =% inférieur à 0,5% 28
29 Adult population holding bankcards Belgium and Holland lead the way * 90% possess at least one bankcard * followed by the French (87%) and the Germans (81%) * well ahead UK (70%), Spain (67%) and Italy (57%). Cardholder profiles significantly more in the age group in France (94%), in Spain (86%) and in Italy (74%) generally male in Spain (74%) and Italy (65%) in the upper social classes in all countries except Germany and Belgium where no difference was apparent possession of multiple cards is highest in the UK (average 2.8) and Spain (2.5) followed by Germany(2.2), Holland (2), Belgium (1.9), Italy (1.5) and France (1.2) 29
30 Cash Withdrawals France Royaume Uni Pays Bas Belgique Allemagne Espagne Italie Base : ensemble des porteurs ST au moins une fois par semaine At least once a week % % % % % % % * Tous every les day jours * 2 à or 33 fois times par per semaine week * about once a week 1 fois par semaine environ ST au moins une à trois fois par at least moisonce a month * 2 or à 3 fois times par per mois month * about once a month 1 fois par mois environ Moins Less often souvent Jamais Never
31 Payments France Royaume Uni Pays Bas Belgique Allemagne Espagne Italie Base : ensemble des porteurs ST au moins une fois par semaine At least once a week % % % % % % % Tous les jours * every day * 2 or à 3 fois times par per semaine week * about once a week 1 fois par semaine environ ST au moins une à trois fois at par least mois once a month * 22 or à 3 times fois par per mois month * about 1 fois once par mois a month environ Less Moins often souvent Never Jamais
32 Frequency of use & cardholder satisfaction Card usage: very different throughout the different countries 71% of the Dutch say that they use their card at least once a week to withdraw cash, although only 1 in 2 Italians do so similarly for payments : 80% of the Dutch use their cards for payments at merchants cf. 43% in Italy Level of satisfaction is generally quite high highest in UK, 95% using card for cash withdrawals are satisfied (71% very satisfied) for payments the most satisfied is also UK (98% + 68% very satisfied) France (97% + 70% very satisfied) Belgium (97% +67% very satisfied) heavy users are not necessarily the most satisfied cf. Holland 32
33 Preferred Payment Methods major differences across Europe 69% 58% 72% 58% 54% 64% 17% 13% 38% 24% 42% 30% 40% 44% 34% 2% 0% 1% 0% 0% 1% France Royaume Uni Pays Bas Belgique Allemagne Espagne Italie CB Chéque Espèce e = % < à 0,5% 33
34 Preferred payment methods & perceived security The bankcard is generally the preferred payment method throughout Europe, with relatively high rates in Holland (72%), France (69%) and Italy (64%)... only Spain and Germany prefer cash the level of security associated with bank cards is similar throughout Europe * 92% of the Dutch find the bankcard secure * a possible anomoly could be in Italy where only 68% of cardholders think the card is secure 34
35 Are Bankcards Secure? quite similar perceptions in each country 80% 84% 92% 83% 82% 85% 68% 14% 22% 27% 37% 18% 27% 20% 58% 57% 78% 46% 64% 58% 48% France Royaume Uni Pays Bas Belgique Allemagne Espagne Italie Tout à fait sécurisé Plutôt sécurisé 35
36 In the migration to chipcards throughout Europe: Remember your PIN! 36
37 Remember what happens if you don t!! 37
38 But if the French can do it so can you!! 38
39 Questions? Telephone :
LEAD RETRIEVAL / BADGE SCANNERS Please return this form before April 24 th, 2015 by email
LEAD RETRIEVAL / BADGE SCANNERS Please return this form before April 24 th, 2015 by email For further information, contact PRO4EVENTS 3 rue René Boulanger 75010 PARIS Tel : + 33 (0) 1 45 08 97 39 Fax :
More informationWe are pleased to present you with detailed instructions on processing your visa application with us. Within this information pack you will find:
Dear Client, We are pleased to present you with detailed instructions on processing your visa application with us. Within this information pack you will find: A list of the required documents for your
More informationPayments Package: Questions and Answers
Payments Package: Questions and Answers Date: November 2013 Contact: Ruth Milligan, T: +32 2 737 05 95, milligan@eurocommerce.be A. Introduction The Commission published its Payments Package on 24 July
More informationPayment Service Provider Category Please indicate under which category of Payment Service Provider your organisation is authorised / regulated:
Business Plan As part of the review process for an application for membership of Visa Europe, Visa Europe carries out a risk review of the applicant. Part of the risk review involves reviewing the organisation
More informationPCI DSS Compliance Services January 2016
PCI DSS Compliance Services January 2016 20160104-Galitt-PCI DSS Compliance Services.pptx Agenda 1. Introduction 2. Overview of the PCI DSS standard 3. PCI DSS compliance approach Copyright Galitt 2 Introduction
More informationVisa Reloadable Frequently Asked Questions. EMV Travel Card
Visa Reloadable Frequently Asked Questions EMV Travel Card How does the International Prepaid Card work? The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend
More informationREVOCABILITY. Contact: Lars MEINHARDT, Telephone:(32-2) 298.45.87, lars.meinhardt@cec.eu.int
EUROPEAN COMMISSION Internal Market DG FINANCIAL INSTITUTIONS Retail issues and payment systems Brussels, 24 September 2003 MARKT/4010/2003 Final Draft A POSSIBLE LEGAL FRAMEWORK FOR THE SINGLE PAYMENT
More informationVisa Debit Card Conditions of Use.
Visa Debit Card Conditions of Use. Your Visa Debit Card gives you all the benefits of an EFTPOS card and more. That s because now you can shop everywhere you would with EFTPOS and anywhere VISA is accepted.
More informationYour guide to getting the most from your card
Your guide to getting the most from your card Ulster Bank debitcard Welcome to your Ulster Bank debitcard Your Ulster Bank debitcard is accepted in 30 million outlets around the world wherever you see
More informationYour guide to getting the most from your card
Your guide to getting the most from your card Ulster Bank debitcard Welcome to your Ulster Bank debitcard Your Ulster Bank Debitcard is accepted in 30 million retail outlets around the world, wherever
More informationT s And C s. On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here
On 28 May 2015, Kiwibank will be changing its Credit Card Terms and Conditions. View the new Credit Card Terms and Conditions here T s And C s. Credit card terms Effective April and 2012 conditions Effective
More informationGeneral Certificate of Education Advanced Level Examination June 2012
General Certificate of Education Advanced Level Examination June 2012 French Unit 4 Speaking Test Candidate s Material To be conducted by the teacher examiner between 7 March and 15 May 2012 (FRE4T) To
More informationEURO GENERAL PRICE LIST
EURO GENERAL PRI LIST 2004 CX60 - CX85 Series Barcode Label & Receipts Printers IN620212002 IN620212012 IN620212004 IN620212013 IN630212002 IN630212014 IN630212004 IN630212017 Plug Designation CX60 B2
More informationBanking Basics - A Guide to Managing Your Bank Account
Is your business costing you? find extra profit A guide to reducing non-core operating costs in the economic downturn Issue 2: Banking and Finance Expense Reduction Analysts Introduction Banking is never
More informationLevel 2 French, 2014
91121 911210 2SUPERVISOR S Level 2 French, 2014 91121 Demonstrate understanding of a variety of written and / or visual French text(s) on familiar matters 9.30 am Wednesday 26 November 2014 Credits: Five
More informationSending money abroad. Plain text guide
Sending money abroad Plain text guide Contents Introduction 2 Ways to make international payments 3 Commonly asked questions 5 What is the cost to me of sending money abroad? 5 What is the cost to the
More informationWorldwide Alliance programme Application form 2014 May 12th September 12th, 2014
Worldwide Alliance programme Application form 2014 May 12th September 12th, 2014 School:.. Photo Nom / Surname :..... Prénom / First name :... Homme / Male Femme / Female Date de naissance / Date of birth
More informationANZ EFTPOS card and ANZ Visa Debit card
ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we
More informationHow To Get A Culinary Degree At L.Institut Paul Bocuse
Worldwide Alliance programme Application form 2013 May 13th September 13th, 2013 School:.. Photo Nom / Surname :..... Prénom / First name :... Homme / Male Femme / Female Date de naissance / Date of birth
More informationTIMISKAMING FIRST NATION
Post-Secondary Financial Assistance Forms TFN EDUCATION 2014-05-01 TIMISKAMING FIRST NATION 0 Education Dept. Application Check List Please enclose the following when applying: Form: Statement of Intent
More informationShort Form Description / Sommaire: Carrying on a prescribed activity without or contrary to a licence
NOTICE OF VIOLATION (Corporation) AVIS DE VIOLATION (Société) Date of Notice / Date de l avis: August 29, 214 AMP Number / Numéro de SAP: 214-AMP-6 Violation committed by / Violation commise par : Canadian
More informationHow does the EMV Travel Prepaid Card work?
How does the EMV Travel Prepaid Card work? The EMV Travel Prepaid Card is a reloadable prepaid Visa Reloadable EMV Travel Prepaid Card, which means you can spend up to the value placed on the card anywhere
More informationACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments
A TO Z JARGON BUSTER A ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments ATM Automated Teller Machine. Unattended,
More informationHOW TO PARTICIPATE AT THE MEETING
HOW TO PARTICIPATE AT THE MEETING MORE INFORMATION ON THE GENERAL MEETING TO BE HELD ON MAY 4, 2015 ON www.sanofi.com/agm2015 2015 GENERAL MEETING The shareholders of Sanofi are hereby given notice of
More informationFinancial Literacy Resource French As a Second Language: Core French Grade 9 Academic FSF 1D ARGENT EN ACTION! Connections to Financial Literacy
Financial Literacy Resource French As a Second Language: Core French Grade 9 Academic FSF 1D ARGENT EN ACTION! Connections to Financial Literacy Although none of the expectations in the French As a Second
More informationGabon Tourist visa Application for citizens of Canada living in Alberta
Gabon Tourist visa Application for citizens of Canada living in Alberta Please enter your contact information Name: Email: Tel: Mobile: The latest date you need your passport returned in time for your
More informationConcept of Debit Card as a means of payments in Malaysia. The acceptance of electronic payment systems among Malaysian consumers
CHAPTER 1: INTRODUCTION DEBIT CARDS IN MALAYSIA Concept of Debit Card as a means of payments in Malaysia The acceptance of electronic payment systems among Malaysian consumers has increased from year to
More informationHow To Use An Ing Credit Card
ING credit cards Cardholder guide 1 Welcome We are pleased to welcome you as an ING credit card holder. This guide describes the numerous benefits of your ING credit card. ING Visa Classic, ING Visa Gold*,
More informationINSURANCE - HONG LEONG BUSINESS CREDIT CARD CASH BACK FEATURES & BENEFITS
Frequently Asked Questions INSURANCE - HONG LEONG BUSINESS CREDIT CARD CASH BACK FEATURES & BENEFITS Q1 How do I get the 2% Cash Back? You will get 2% Cash Back whenever you charge your AIA Life single
More informationConsumer FAQs. 1. Who is behind the BuySafe initiative? 2. Why should I use a PIN? 3. Do all transactions need a PIN?
Consumer FAQs 1. Who is behind the BuySafe initiative? The Industry Security Initiative (ISI)/BuySafe initiative comprises representatives of ten Australian financial institutions including all of the
More informationQuestions & Answers clarifying key aspects of the SEPA Cards Framework
Doc. EPC075-08 (Version 10.0) 11 June 2008 Questions & Answers clarifying key aspects of the SEPA Cards Framework Circulation: Publicly available Restricted: No SEPA a Guide to the Single Euro Payments
More informationThe Adoption of EMV Technology in the U.S. By Dave Ewald Global Industry Sales Consultant Datacard Group
The Adoption of EMV Technology in the U.S. By Dave Ewald Global Industry Sales Consultant Datacard Group Abstract: Visa Inc. and MasterCard recently announced plans to accelerate chip migration in the
More informationCompetition policy brief
Issue 2015-3 June 2015 ISBN 978-92-79-38783-8, ISSN: 2315-3113 Competition policy brief Occasional discussion papers by the Competition Directorate General of the European Commission The Interchange Fees
More informationFAQ on EMV Chip Debit Card and Online Usage
FAQ on EMV Chip Debit Card and Online Usage Security enhancement on HSBC India Debit Card A Secure Debit Card HSBC India Debit Cards are more secure and enabled with the Chip and PIN technology? You can
More informationHow To Get A Kongo Republic Tourist Visa
Congo Republic Tourist visa Application Please enter your contact information Name: Email: Tel: Mobile: The latest date you need your passport returned in time for your travel: Congo Republic tourist visa
More informationHEALTH CARE DIRECTIVES ACT
A11 HEALTH CARE DIRECTIVES ACT Advances in medical research and treatments have, in many cases, enabled health care professionals to extend lives. Most of these advancements are welcomed, but some people
More informationUK Card Payments 2014
UK Card Payments 2014 THE UK CARDS ASSOCIATION Payment cards are the most popular non-cash payment method in the UK by volume. They allow cardholders to pay for goods and services easily and conveniently,
More informationGet the most from a Westpac Debitplus Visa card.
Get the most from a Westpac Debitplus Visa card. Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access
More information1 ARE PCI SECURITY MEASURES SUITED TO THE FRENCH MARKET?
1 ARE PCI SECURITY MEASURES SUITED TO THE FRENCH MARKET? As part of its task of monitoring the security policies implemented by issuers and acquirers, the Observatory conducted an assessment in 2010 to
More informationANNUAL ORDINARY GENERAL MEETING OF LAGARDÈRE SCA
ANNUAL ORDINARY GENERAL MEETING OF LAGARDÈRE SCA TUESDAY, MAY 6, 2014 AT 10 A.M. at Carrousel du Louvre 99, rue de Rivoli - 75001 Paris Ladies and Gentlemen, Dear Shareholders, It is my pleasure, on behalf
More informationWe are pleased to present you with detailed instructions on processing your visa application with us. Within this information pack you will find:
Dear Client, We are pleased to present you with detailed instructions on processing your visa application with us. Within this information pack you will find: A list of the required documents for your
More informationCONDITIONS ET TARIFS
CONDITIONS ET TARIFS Produits et Services pour le Marché International au 15 avril 2015 Global Business Schedule of Charges as from 15 th april 2015 1 Chers clients, Voici les principales conditions applicables
More informationWe are pleased to present you with detailed instructions on processing your visa application with us. Within this information pack you will find:
Dear Client, We are pleased to present you with detailed instructions on processing your visa application with us. Within this information pack you will find: A list of the required documents for your
More informationM1 UE3 Examen final 2014 / 2015 : China infrastructures strategy
UE3 : Marchés internationaux Amonts M1 UE3 Examen final 2014 / 2015 : China infrastructures strategy Pascal ALBERTINI 14/05/2015 L7N 1 China Infrastructures Strategy Vous, Patrick KRON, Président d Alstom,
More informationIn France. page 2. In Belgium. page 3. In Germany. page 4. In Greece page 5
N Projet : 2011-1-FR1-LEO05-24448 Titre : Euro-DIM - Dispositif d Intégration de la Mobilité européenne pour les apprentis This document is the result of the work of educational leaders in Euro-DIM project.
More informationGabon Business visa Application for citizens of Canada living in Alberta
Gabon Business visa Application for citizens of Canada living in Alberta Please enter your contact information Name: Email: Tel: Mobile: The latest date you need your passport returned in time for your
More informationCaribbean Electronic Payments
Caribbean Electronic Payments Company Profile Caribbean Electronic Payments Ltd. 1-13 Contents Introduction... 3 Mission & Core Values... 5 CEPAYMENTS Mission... 5 Our Core Values... 5 Innovation... 5
More informationWelcome to the convenience of a Bank of Melbourne. Visa Debit Card.
Welcome to the convenience of a Bank of Melbourne Visa Debit Card. Everyday Purchases Type of transaction ATM cash withdrawal In-store purchase In-store cash-out Bill payment How to access funds in Australia
More informationCameroon Tourist visa Application for citizens of Tahiti living in Alberta
Cameroon Tourist visa Application for citizens of Tahiti living in Alberta Please enter your contact information Name: Email: Tel: Mobile: The latest date you need your passport returned in time for your
More informationING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and
Forex Travel Card FAQs: What is ING Vysya Bank Forex Travel Card? ING Vysya Bank Forex Travel Card is a pre-paid foreign currency chip card that offers you a safe, secure and convenient way to meet all
More informationFrance China Particle Physics Laboratory WORKSHOP. Practical information (to be printed and kept during your journey)
France China Particle Physics Laboratory WORKSHOP Practical information (to be printed and kept during your journey) How to withdraw cash? You will be able to withdraw cash with international credit cards
More informationExpect to know where you stand with your Visa Debit Card
Expect to know where you stand with your Visa Debit Card VISA DEBIT CONDITIONS OF USE Acceptance of Conditions of Use 1.1 By using your Debit Card, you agree that these Conditions of Use are binding on:
More informationBienvenue 2013. Arrêt-Court Shortstop
Bienvenue Dear Parents, Once again we will be offering a summer program for children who attended elementary school in the 2012- school year. In order to plan our summer program we need to know how many
More informationAccount Manager H/F - CDI - France
Account Manager H/F - CDI - France La société Fondée en 2007, Dolead est un acteur majeur et innovant dans l univers de la publicité sur Internet. En 2013, Dolead a réalisé un chiffre d affaires de près
More informationFrequently asked questions - Visa paywave
Frequently asked questions - Visa paywave What is Visa paywave? Visa paywave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method
More informationFinancial Literacy Resource French As a Second Language: Core French Grade 7 UNE JOURNÉE EN VILLE
Connections to Financial Literacy Financial Literacy Resource French As a Second Language: UNE JOURNÉE EN VILLE Although none of the expectations in the French As a Second Language (FSL) curriculum explicitly
More informationBNZ Advantage Credit Card Terms and Conditions.
BNZ Advantage Credit Card Terms and Conditions. 1 May 2015 This document contains the terms and conditions that apply to BNZ Advantage credit card accounts operated by you, including the terms and conditions
More informationNFC technology user guide. Contactless payment by mobile
Contactless payment by mobile Table of contents 1. What is contactless payment by mobile? 2. What do I need to shop with my mobile phone? 3. How can I manage a Mobile Card? 4. How do I shop with my mobile
More informationYes, your card will expire at a given date, which is printed on the front of your card.
What is the Debenhams Prepaid Card? Debenhams Prepaid Card works in a similar way to a pay as you go mobile phone. You top up what you need, when you need it. You top the card up with money which can be
More informationCameroon Tourist visa Application for citizens of Maldives living in Alberta
Cameroon Tourist visa Application for citizens of Maldives living in Alberta Please enter your contact information Name: Email: Tel: Mobile: The latest date you need your passport returned in time for
More informationCameroon Visitor visa Application for citizens of Canada living in Alberta
Cameroon Visitor visa Application for citizens of Canada living in Alberta Please enter your contact information Name: Email: Tel: Mobile: The latest date you need your passport returned in time for your
More informationFirst-half 2014 RESULTS. August 1 st, 2014. Jean-Paul AGON. Chairman and CEO
RESULTS First-half 2014 August 1 st, 2014 Jean-Paul AGON Chairman and CEO The Cosmetics Market I 2 Worldwide Cosmetics Market * FIRST-HALF 2014 3.5/ 4 + + % *Excluding razors, soaps and toothpastes. First-half
More informationSouth Gloucestershire Council Department for Children, Adults and Health Direct Payments Card
South Gloucestershire Council Department for Children, Adults and Health Direct Payments Card October 2014 Cardholder guide The safe and efficient way to pay for services, for people who manage their own
More informationOFFER POS terminals. 72 Wielicka Street, 30-552 Kraków, Poland tel.: +48 12 688 26 00 fax: +48 12 688 26 99 email: sales@dotpay.pl
OFFER POS terminals 72 Wielicka Street, 30-552 Kraków, Poland tel.: +48 12 688 26 00 fax: +48 12 688 26 99 email: sales@dotpay.pl 1. WHY? We believe that you will find the answer to this question in the
More informationInternational Travel Tips. Get the most from your Visa card
International Travel Tips Get the most from your Visa card Using Your Visa Card to Make Purchases Abroad Your Visa card is accepted at millions of places worldwide, making it a safe and convenient way
More informationIvory Coast (Côte d Ivoire) Tourist visa Application for citizens of Tahiti living in Alberta
Ivory Coast (Côte d Ivoire) Tourist visa Application for citizens of Tahiti living in Alberta Please enter your contact information Name: Email: Tel: Mobile: The latest date you need your passport returned
More informationSurvey on Conference Services provided by the United Nations Office at Geneva
Survey on Conference Services provided by the United Nations Office at Geneva Trade and Development Board, fifty-eighth session Geneva, 12-23 September 2011 Contents Survey contents Evaluation criteria
More informationDeveloping quality processes in accreditation agencies to support the development of quality of HEIs: the case of CTI
Developing quality processes in accreditation agencies to support the development of quality of HEIs: the case of CTI Anne-Marie JOLLY, Teresa SANCHEZ Commission des Titres d Ingénieur ENAEE Conference
More informationAltiris Patch Management Solution for Windows 7.5 SP1 from Symantec Third-Party Legal Notices
Appendix A Altiris Patch Management Solution for Windows 7.5 SP1 from Symantec Third-Party Legal Notices This appendix includes the following topics: Third-Party Legal Attributions CabDotNet XML-RPC.NET
More informationDirect Payments Card
South Gloucestershire Council Department for Children, Adults and Health Direct Payments Card March 20155 Cardholder guide The safe and efficient way to pay for services, for people who manage their own
More informationSTRATEGY & OUTLOOK HIGHCO'S OFFER
2 part STRATEGY & OUTLOOK HIGHCO'S OFFER DIGITAl TECHNOlOGIES ARE CHANGING BUSINESS AND AlTERING THE CONSUMER GOODS landscape. IN REACTION TO THIS UPHEAVAl, CONSUMERS, HAVE CHANGED TOO. HIGHCO FOCUSES
More informationORDER FORM/Formulaire
ORDER FORMFormulaire Account NumberNuméro de compte: IMPORTANT TRAVEL DATESDATES IMPORTANT DE VOYAGE: Call us for assistance Contactez-nous si vous avez besoin d assistance Travel Agency Name: Nom de l
More informationHours: The hours for the class are divided between practicum and in-class activities. The dates and hours are as follows:
March 2014 Bienvenue à EDUC 1515 Français Langue Seconde Partie 1 The following information will allow you to plan in advance for the upcoming session of FSL Part 1 and make arrangements to complete the
More informationPayments and Revenues. Do retail payments really matter to banks?
Payments and Revenues Do retail payments really matter to banks? by Dave Birch Consult Hyperion Opportunities Banks do lots of things, all of which
More informationMasterCard Special Edition
2015 An Empower Federal Credit Union publication. MasterCard Special Edition Important details about our MasterCard conversion. Message From The President John Wakefield President/CEO Why MasterCard? For
More informationPayment Acceptance Strategies in a Global Ecommerce Environment
A division of Pivotal Payments Payment Acceptance Strategies in a Global Ecommerce Environment Presented by: Patrick Huynh, Senior Vice President, Client Solutions Introduction About GlobalOne GlobalOne
More informationAmerican Express. Merchant Services. Grow your business With POS terminals from American Express
American Express Merchant Services Grow your business With POS terminals from American Express POS Terminals Electronic Devices for fast, efficient and reliable card transaction processing to suit all
More informationSun Management Center Change Manager 1.0.1 Release Notes
Sun Management Center Change Manager 1.0.1 Release Notes Sun Microsystems, Inc. 4150 Network Circle Santa Clara, CA 95054 U.S.A. Part No: 817 0891 10 May 2003 Copyright 2003 Sun Microsystems, Inc. 4150
More informationBarclaycard Business Credit Card Terms and Conditions
Barclaycard Business Credit Card Terms and Conditions 1 Contents 1. Introduction 3 Your card 3 Business credit limit 3 Monthly payment 4 2. Your interest charges 4 Interest rates 4 Promotional balance
More informationIntroduction au BIM. ESEB 38170 Seyssinet-Pariset Economie de la construction email : contact@eseb.fr
Quel est l objectif? 1 La France n est pas le seul pays impliqué 2 Une démarche obligatoire 3 Une organisation plus efficace 4 Le contexte 5 Risque d erreur INTERVENANTS : - Architecte - Économiste - Contrôleur
More informationYour RBS Basic Account Visa Debit Card
Your RBS Basic Account Visa Debit Card 1 Welcome to your RBS Basic Account Visa Debit Card You can start using your new card immediately. However, for security reasons some card users may need to activate
More informationSpecialized Financial Services
Specialized Financial Services At the heart of retail banking development March 2011 Corporate & Investment Banking / Investment Solutions / Specialized Financial Services A streamlined organization chart
More informationPersonnalisez votre intérieur avec les revêtements imprimés ALYOS design
Plafond tendu à froid ALYOS technology ALYOS technology vous propose un ensemble de solutions techniques pour vos intérieurs. Spécialiste dans le domaine du plafond tendu, nous avons conçu et développé
More informationKingdom of Bahrain. Bahrain Monetary Agency. Economic Research Directorate. Consumer Guide Issue 1. Credit Cards
Kingdom of Bahrain Bahrain Monetary Agency Economic Research Directorate Consumer Guide Issue 1 Credit Cards January 2005 BAHRAIN MONETARY AGENCY ECONOMIC RESEARCH DIRECTORATE Contents Credit Cards 1 What
More informationNo of EU lawyers registered under their home-country professional title (Art. 2 of Directive 98/5/EC) and their origins
Austria 31/12/2013 5.805 (without EU s that have gained admission to profession of in host Member State under Article 10 of Directive 98/5) 1.143 (without EU s that have gained admission to profession
More informationANNUAL ORDINARY AND EXTRAORDINARY GENERAL MEETING OF LAGARDÈRE SCA
ANNUAL ORDINARY AND EXTRAORDINARY GENERAL MEETING OF LAGARDÈRE SCA TUESDAY, 5 MAY 2015 AT 10 A.M. at Carrousel du Louvre 99, rue de Rivoli - 75001 Paris Ladies and Gentlemen, Dear Shareholders, It is my
More informationAltiris Patch Management Solution for Windows 7.6 from Symantec Third-Party Legal Notices
Appendix A Altiris Patch Management Solution for Windows 7.6 from Symantec Third-Party Legal Notices This appendix includes the following topics: Third-Party Legal Attributions CabDotNet MICROSOFT PLATFORM
More informationEMV PAYMENT TERMINAL SYSTEM FUNCTIONAL DESCRIPTION 21 October 2011 / V 4.2
1(19) table of contents 1. Introduction... 2 2. Definitions... 3 3. Payment terminal system... 6 4. Agreements and accepted cards... 6 5. Identifying cards and verifying their authenticity... 7 6. Purchases
More informationUnderstand the Business Impact of EMV Chip Cards
Understand the Business Impact of EMV Chip Cards 3 What About Mail/Telephone Order and ecommerce? 3 What Is EMV 3 How Chip Cards Work 3 Contactless Technology 4 Background: Behind the Curve 4 Liability
More informationNordea Pankki Suomi Oyj HKO112 5/14. Nordea MasterCard. Cardholder s guide
Nordea Pankki Suomi Oyj HKO112 5/14 Nordea MasterCard Cardholder s guide With Nordea MasterCard you can pay for products and services in Finland, abroad and on the Internet. If you have any questions about
More informationTravel Card. Cardholder Frequently Asked Questions. June 2014 T.FQ.S.20141.E
Travel Card Cardholder Frequently Asked Questions Travel Card (1) Where can I use my card? Your card may be used anywhere debit cards are accepted. The brand marks on your card indicate where the card
More informationFEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS)
FEDERAL BANK CASH PASSPORT FREQUENTLY ASKED QUESTIONS (FAQS) 1. How does Cash Passport work? Federal Bank Cash Passport is a prepaid currency card, which can be used abroad, to withdraw local currency
More informationACCESSING YOUR MONEY OVERSEAS.
ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you
More informationOnce you have gathered all the information required please send to Key Travel s visa department in London.
Dear Applicant, Thank you for choosing Key Travel to handle your visa application to Mali Your visa pack contains Embassy Information Visa requirements for Business and Tourist visa applications Application
More informationBANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD. User Guide
BANK OF BARODA (NEW ZEALAND) LIMITED (BOBNZ) VISA CLASSIC DEBIT CARD User Guide Table of Contents Page No Welcome 2 Know your Visa Classic Debit Card 3 Important Information 4 Keeping your Visa Card safe
More informationSingle Euro Payments Area
Single Euro Payments Area Overview SEPA (Single Euro Payments Area) is a European payments initiative which aims to create one single, integrated, standardised payments market in Europe. It is an area
More informationEssential Information. NAB Business Payments Card.
Essential Information. NAB Business Payments Card. Contents Your NAB Business Payments Card Facility 3 How your card works 4 Your Facility Billing Account 4 Individual cards 5 Primary Cardholders 5 Other
More informationA Guide to EMV. Version 1.0 May 2011. Copyright 2011 EMVCo, LLC. All rights reserved.
A Guide to EMV Version 1.0 May 2011 Objective Provide an overview of the EMV specifications and processes What is EMV? Why EMV? Position EMV in the context of the wider payments industry Define the role
More informationTOP TRUMPS Comparisons of how to pay for goods and services online
Cash Cash is legal tender in the form of bank notes and coins Small value purchases e.g. cafes, shops Pocket money Repaying friends Cash is physically transferred from one person to the next, usually face-to-face
More information