The most straightforward option for digital players that want to issue payment cards quickly and easily
Fintechs want to be able to offer customers the option of both physical and digital payment cards.
Even if Fintechs are focusing on mobile banking services, consumers still need physical payment cards because they are secure, easy to use and accepted anywhere.
That’s why most new digital players are also offering their customers a payment card.
A card provides a tangible physical link between Fintechs and their customers and is a great opportunity for them to showcase their brand with an eye-catching design.
They make their customers feel valued and part of their brand community.
However, setting up a Fintech credit card programme can prove long and complex and needs to be fully integrated into the mobile banking experience.
Creating a card portfolio: a challenge for Fintechs
Setting up a card programme requires considerable technical knowledge. It also includes an understanding of the latest security standards and industrial constraints.
In addition, It is necessary to create market relationships with players such as payment schemes and payment processors.
There’s even more.
A card programme needs to fit the digital profile of the Fintechs’ users and provide a great user experience by combining an attractive card proposition with associated smart digital services, such as digital PIN, payment limit control, choice of delivery location and the ability to block card usage…
On average, for a traditional bank with experience in EMV payments, the lead time for rolling out a card programme can vary from between four to nine months.
The good news?
At Thales Gemalto, we have developed a tailor-made programme for digital players that need a fast and easy card rollout.
Thanks to our wealth of experience in the payments industry, we work with you to ensure smooth project delivery.
Mobilise the expert
Our offer comprises the five pillars of card project rollout:
#1. Connect: Processors, schemes, Bank Identification Number (BIN) sponsors… it can be difficult for a new player to connect with these key stakeholders. We help Fintechs to create the right ecosystem around them with the right local and global connections:
• payment schemes to define the card electrical profile,
• processors to generate EMV data for card personalisation and authorise transactions,
• validation labs to certify the card profile and design.
#2. Simplify: We know from experience that creating a card programme from scratch can be really time consuming. But Thales’ off-the-shelf card and personalisation programme allows fast and easy set up with:
• a set of predefined options including security features, consumer delivery options, business monitoring and activity reports
• pre-certified digital profiles based on the main market specifications.
#3. Differentiate: to ensure your card stands out from the crowd, our expert designers can help you to create a unique design with our large and innovative portfolio that includes:
• card body materials (light or heavy metal, transparent, eco-material, coloured) and special design effects (colour-edge printing, tactile or highlighting effects) ,
• graphical personalisation (horizontal or vertical, card back or front, flat or embossed) and module form
• and ensure a great user experience with exclusive packaging!
#4. Commit: with a worldwide sales and technical support footprint in all continents and all major countries, we provide a best-in-class dispatch and delivery solution including:
• partnerships with a wide range of transport service providers worldwide
• 25 EMV-certified Thales personalisation centres
• Thales’ strongend-to-end local customer support.
#5. Optimise: There’s no need to be an expert in physical card issuance: you can focus on your digital services, while our experts select for youthe best options to ensure a smooth cards programme roll out. Our offer enables you to:
• reduce your time to market from nine to three months, depending on your customisation requirements.
Fast and seamless payment cards programme rollout so physical cards can be deployed quickly
Scalable for any volume, flexible to adapt to any change in volume requirements: our large and flexible industrial operation can easily handle any increase in the volume of cards you require
Easy geographical extension of your cards offer Thales’ international presence in more than 25 countries allows fast and easy transfer of your cards offer across many regional locations
Establish your brand personality with our disruptive artwork design proposition – browse our extensive catalogue of products
One unique and global partner for all your banking services and solutions needs: Beyond the cards programme, Thales is here to provide you with support across a wide range of digital services: digital account opening verification, virtual card and wallet, digital PIN delivery, convenient and secure authentication of your mobile app.
Why choose Thales?
With its proven experience in delivering banking and payment projects to 3,000 financial institutions, Thales Gemalto offers the expertise that Fintechs need to ensure a successful cards project deployment from the beginning of their card’s issuance project to the delivery of cards to end-users.
Thales has already delivered its tailor-made programme to 35 digital players that need a fast and easy card programme rollout.
In 2020, Thales delivered 37 million physical payments cards to Fintechs’ cardholders.
We support Fintechs from their first steps in the payment world to their rapid growth and evolution.
Thales uses its knowledge and expertise in the digital and physical payment worlds to support Fintechs in their rapid deployment of cards and provides a large range of products and solutions to feed their desire for innovation.
You are looking for a virtual, digital, or physical payment card? With Thales Gemalto Modern Card Issuance, you get the benefits of both the digital and the physical worlds.
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For more information regarding our services and solutions contact one of our sales representatives. We have agents worldwide that are available to help with your digital security needs. Fill out our contact form and one of our representatives will be in touch to discuss how we can assist you.
Please note we do not sell any products nor offer support directly to end users. If you have questions regarding one of our products provided by e.g. your bank or government, then please contact them for advice first.