Prepárate para Digital First

¡Incorpore a sus clientes a nuevas experiencias de pago digital!

¿Por qué hacer que sus clientes esperen a que su tarjeta sea producida, enviada y activada cuando soliciten una nueva tarjeta? Con Digital First by Thales se trata de tener una tarjeta digital lista para usar al instante. Y mucho más:

Esta solución ofrece la mejor experiencia móvil a los consumidores con una rápida incorporación, pago instantáneo con tarjeta digital, en línea y en la tienda, al tiempo que les permite tener un control total sobre sus credenciales de pago.

From "physical-first, digital-later" to "digital-first, physical-later."

By 2024, 80% of the world's population will be online.

Half a billion people will come online in the next two years. In 2024, they will spend $10.5 Trillion online, an increase of 11% in spending from today. 

In other words, digital will no longer be a reality for early adopters or even the early majority. Digital will reach the late majority.

Beyond that trend, the rise of eCommerce stimulates new payment methods for online purchases. 

At the same time, the mobile banking app is now the preferred communication channel for cardholders interacting with their banks.

There are three main drivers for card issuers to shift to a modern card program:

1. Cardholders count on real-time service delivery and settings —no more trips to the branch or paper applications form. Everything from ordering a card to getting its PIN code or setting spending limits should be easy to do, immediate, and just a few clicks away.
2. Cardholders want to be in control, preferably via the mobile banking app or a web interface. In essence, the mobile phone is the new bank branch. It's open 24/7, and there is no waiting in line.
3. Cardholders expect a comprehensive offer from their banks, including all physical, digital and virtual cards, to meet all their payment needs at stores and online. As innovation accelerates, the mobile app becomes a services marketplace with easy new services discovery and frictionless onboarding.

With a modern card program, card issuers can leverage new benefits in four essential domains and increase their business:

• Enhancing UX by providing 24/7 services via the mobile app will stimulate card acquisitions, trigger the top-of-wallet effect and lead to more transactions.
• End-user engagement will surge with new products such as virtual cards, push-to-wallet, push-to-merchant, and additional innovative services.
• Marketing and branding will be strengthened by new physical card ordering and tracking services and through brand consistency across the entire products and services.
• Operating costs will be reduced thanks to the cloud platform's scalability and elasticity, and the digital delivery channel will slash costs and help reduce charges associated with traditional customer touchpoints. Faster release cycles will shorten the time to market for new features and functionalities.

For example, the instant issuance of a virtual card, immediately available at account opening and ready to be tokenised and pushed into digital wallets and merchants, stimulates EMV tokens' usage.

Why a modern payment card program is a win-win-win

A modern card program is a win-win-win initiative: 

• A win for cardholders who are in control and get the perfect card for each payment situation they face. 
• A win for card issuers who increase card acquisition and transactions and reduce online payment frauds thanks to EMV tokenisation. 
• A win for merchants who improve the payment journey for online shoppers and the overall conversion rate.

To launch such a modern card program, card issuers must re-invent their card issuing platform.

In essence, they need to integrate their existing core banking systems (accounts management, transactions management, fraud, authorisation, claims and settlements management) with a real-time, secure modern front-end that can scale up with the latest innovations introduced by payment schemes.

That's exactly what the Thales D1 platform is about.

We invite you to discover our offer and experience the journey.

March 8, 2021: Mastercard Accelerates Deployment of Digital First Solutions
Mastercard Engage platform expansion provides customers with fast and easy access to new set of qualified technology partners  (businesswire.com/)