Customer-created cards

Every customer is unique. That’s why we provide them with powerful tools to create the card they like. They can draw from their own imaginations with the power of AI, upload their own photos, or choose from a range of pre-supplied themes and images. Backed up by a comprehensive backend infrastructure and accessed via an easy-to-use portal, the user experience is positive for you and your customers.

Real time data processing

The data gathered at the onboarding stage—whether generated internally or provided by the customer—is a vital foundation for the entire relationship. Inaccuracies or delays in making changes to information can both slow down the onboarding process and introduce issues later in the customer journey.

Create an onboarding process that moves at pace with real time data processing. Changes to information are reflected instantly, so delays and bottlenecks are eliminated.

Card creation

From design consulting to material innovation and technical specification, ensure you create the perfect card for your card program. No matter where your business operates, or how complex your payment card offering, we ensure that you can offer your customers a card tailored to their lifestyle and your brand.

Automated (physical) onboarding

Let your customers join you at the time and in the way they choose with automated onboarding kiosks. These unmanned kiosks can easily and effectively guide them through the process. Starting with gathering initial details, choosing the product that’s right for them, and handling ID verification and customer authentication, the kiosk prints the payment card there and then, so your they will feel valued, supported and ready to begin spending straight away.

Physical comms management

Enhance your customers’ experiences with physical communications, tailored to their needs. Accessed through a convenient web portal, banks can configure printed materials, segment their messaging to specific audiences, and bring their service portfolio to life with offers and related products, for a richer, fully branded issuance journey.

Updates and messaging

Keep your customers informed throughout every step of the issuance process, with individualized “phygital” messaging that blends traditional and digital media. Reassure your customers with real-time updates on the status of their card orders and provide the information to make their relationship with you a success. Email and SMS messaging opens the lines of communication, making customers feel supported and engaged.

Digital card display

Even the most efficient issuance processes take time, from card creation to delivery. With a digital card display, your customers can begin using your services as soon as they’ve onboarded, making payments while waiting for their card to arrive. It’s just as easy as using a physical card, and can be accessed straight from their banking app.

Digital carrier enhancements

Transform the carrier experience with the power of digital, and embed video, links to product guides, offers or additional up-sell products and web services within your printed materials. Turn a simple sheet of paper into a branded, curated and visual experience that’s sure to surprise and engage.

Self-serve card printing

Offer instant card printing and collection for today’s time-poor customers. Instead of waiting for a card to arrive through the post, your customers can quickly visit an unmanned kiosk at a time that suits them, collecting their card within minutes. Eliminate delays, accelerate the customer journey, and offer truly convenient activation experiences.

Activate card and app

Harness the power of digital and build a modern, frictionless activation experience. As today’s customers increasingly value choice, personalized services and convenience as their main drivers, leverage the power of automation to provide an efficient, effective activation process—through the channel that makes the most sense for your customers, your banking app.

Passwordless authentication

Make customer onboarding and authentication easy. Customers can verify their identity or approve transactions with just a touch of a finger or glance at their mobile screen. Biometric authentication is more secure than a One-Time Password (OTP) and makes life easier for the user. And without passwords there’s no attack vector—no central database means no shareable data.

Smart packaging

Seamlessly link the physical welcome experience with the digital, using innovative, tailorable NFC-enabled packaging. Supply guides, link to offers and additional services, or enhance your brand with rich digital media, all with the touch of a phone. Smart packaging supports a truly phygital, customer focused activation experience.

Payment token management

Enhance the capabilities of mobile wallets using network tokenization to empower customers with visibility and control over their digital payment credentials. Avoid security concerns, eliminate checkout friction, and remove the risk of customers losing track of where their payment credentials are stored.

One-tap authentication

Effortless activation and authentication with just one tap of your card. With just a tap of the card on their mobile device, customers can access Strong Customer Authentication use scenarios—whether that’s account access, card activation, transaction authorization, or any other secure interaction with their banking services.

Enabling digital payments

Enable EMV payments within your own digital wallet. Works seamlessly with any payments scheme and with any OEM mobile technology, offering full token request service and token lifecycle management. Our trusted solutions for tokenized digital payments enable you to offer your customers the ability to pay any time.

Delivering digital wallets

The digital wallet has quickly become the touchstone for customers to interact with digital experiences—and payments are no exception. Currently, OEM wallets such as ApplePay lead the market. To take pole position, create your ownable digital wallet that customers will want to use every day.

Transaction authentication

Ensure every transaction your customers make is protected with authentication that perfectly balances convenience and security. Fraud comes in many forms, creating significant risks for both financial institutions and customers. Weak authentication practices remain a major vulnerability, leading to some of the most common types of digital fraud.

Phygital payment services management

Make sure your issuance program is set up for success from the very beginning, no matter which issuance channels you have chosen. With data management, onboarding configuration, end-to-end integration and reporting setup all covered, managed issuance supports you across your entire product and service portfolio.

Consolidated access

Customers today are more demanding than ever. They expect transparency, control, and choice, all while maintaining the highest level of security. For issuers, there’s an opportunity to enhance their mobile wallet with easy-to-use consumer tools to view and manage digital payment credentials—gaining top-of-wallet status in the process.

View enriched transaction data

Customers want to be able to see in-depth data about their purchases and account activity immediately. Detailed transaction information helps them easily monitor and manage their spending, reinforcing trust and dwell time within your mobile app.

Overview of cards and settings

Enable customers to quickly manage their payment cards and offer granular control of payment settings, such as setting or managing their PIN, or disabling access to ATM payments, so they can manage their own payment needs all in one place.

Push provisioning to one-click checkout

Reduce cart abandonment and eliminate customer friction with easy, simple, and safe consumer e-checkout, regardless of the payment card, channel, or device.

Secure customer onboarding and management

Create an onboarding process for your customers that’s smooth and secure and manage their experience through their entire relationship. From one portal, issuers can view, analyze, and manage onboarding and in-life relationships.

Fulfillment and unboxing experiences

Heighten your brand with a premium welcome experience through our extensive range of customizable packaging solutions, with categories designed to fit your brand and your customers’ lifestyles. Elevate your brand above competitors, allow messages to be heard by customers, and ensure your card remains top-of-wallet.

Trust and control of digital assets

The surging digital assets market is attracting a diverse range of individuals, all eager to build wealth and diversify their portfolios. Our solution is designed to empower FIs, offering customers the confidence to navigate the digital asset landscape. We deliver peace of mind for all digital asset holders, whether tech-savvy or crypto-curious.

Measure and offset environment impact

Help your customers to make more sustainable choices through full visibility of their purchases’ carbon impact. In addition, offer them the opportunity to make carbon contributions to a wide variety of eco-innovative climate projects, all within your existing digital estate.