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  • Financial Instant IssuanceFinancial Instant Issuance

    Gain new Clients and enhance your Service offeringGain new Clients and enhance your Service offering

    Krajnska Gora, Slovenia, 27 February 2013

    Petr Trombala

  • AGENDA

    Gain new Clients and enhance your Service offering

    Datacard Introduction

    FII definition

    Case Studies

    Q&A

  • Datacard History

    1970s 1980s 1990s 2000s TodayPartnered with

    AmEx and Sears to

    Pioneered inline card

    personalization

    Integrated color imaging, laser

    engraving, t d

    Launched EMV and other smart card i iti ti

    yVast majority of financial cards

    worldwide li denable

    credit cards

    smart card personalization

    other key technologies

    initiatives personalized with Datacard

    solutionstechnologies

  • L d i li ti f

    DatacardLeader in personalization of:

    Financial cards Passports Identification cards and secure documents Identification cards and secure documents

    Preferred partner for financial institutions and government agencies

    Service and support in 120 countries

    Datacard Solutions per day: Datacard Solutions per day:

    Personalize and deliver 12M

    Personalize over10M

    Personalize500K

    12M cards centrally and

    remotely

    10M smart cards

    PP, NID and DL

    4

  • DatacardMarket Leader in Instant Issuance

    25,000 instant issuance

    installations worldwide

    More than 7,000 Leading instant

    issuanceCardWizard installations

    issuance provider for Visa and MasterCard

    debit cards

    Over 200 successful EMV

    More than 700 Financial

    installations worldwide

    15 years of

    Institutions with CardWizard

    15 years of instant issuance

    experience

  • WHAT IS INSTANT ISSUANCE?

    What Issuance of permanent, personalized

    debit/credit/prepaid cards

    Where Bank/ branches (debit/credit) Retail stores (credit)debit/credit/prepaid cards

    PIN Retail stores (credit) Colleges/Universities (debit) Events (credit)

    Att d d ki k ( dit) Attended kiosks (credit)

  • INSTANTLY ISSUED CARDS SHIFT AND LIFT

    Approximately four (4) INSTANTLY VS. CENTRALLY ISSUED CARDS

    LIFT"additional transactions in first ten days

    Four (4) transactions

    11.30

    Four (4) transactions@ 0.225*

    $.90 per year/cardholder*4 00

    7.40

    SHIFT

    0.20

    4.00

    TRANS PER CARDWITHIN 10 DAYS OFACCOUNT OPENING

    TRANS PER CARD WITHIN 11-45 DAYS OF

    ACCOUNT OPENINGACCOUNT OPENING ACCOUNT OPENING

    INSTANT MAILED

    ASSUMES DEBIT CARD TRANSACTIONS; HIGHER REVENUE FOR CREDIT

  • CASE STUDY : ACTIVATION RATES

    50 Branches

    OVER 12 MONTHS

    OneBranchPilotInstalled

    ValidationProcess

    50Branchesimplementedin50majorMalls

    By issuing dual Interface EMV PayPass MasterCard cards instantly, Carrefour Banque became the first retail b k i E t id thi ki d f i tibank in Europe to provide this kind of innovative, convenient program for its customers.Cards are instantly issued and activated in their Financial Services desks and customers can benefitsFinancial Services desks and customers can benefits from incomparable set of advantages

  • Financial Instant Issuance by Retailers

    Activation rates remain15 percentage points higher among instantly issued cards, after 30 days (90% vs. 75%)

    Bergamini in Sao Paulo, BrazilSources: Carrefour Banque CSA Club presentation, November 19th,2010

    g ,

    9

  • In 2007, Green Bank began researching long term strategies to increase debit card activation and usage

    At that time, nearly 33% of new customers were not using their card.

    Fii Vendor Requirements: Ability to support multiple debit card types in one card

    printer This would simplify branch operations by eliminating

    the need to store and manage multiple types ofthe need to store and manage multiple types of cardstock in the branch

    Proven, straightforward security features that meet or exceeded MasterCard standardsexceeded MasterCard standards

    Compatible with existing account opening process and Jack Henry, the banks core processor

    10

  • IMPROVED PORTFOLIO PERFORMANCE METRICS

    Personalized Photo Cards BBVA Compass Bank Study 3% better account retention Higher customer loyalty and engagement that leads to higher cross-sells $45 incremental yearly revenue per card from personalization based on additional

    usage and interchange revenueE i t bl k d t k i t i b h/ t i t d t k Easier to manage blank card stock inventory in branch/store vs. pre-printed stock

    Source: BBVA Compass Bank extended case study results using Serverside Technology for debit card program

  • CASE STUDY: COST PER CARD

  • SOME HARD NUMBERS

    SCENARIOSC O

    40 DEBIT CARDS ISSUED PER MONTH40 DEBIT CARDS ISSUED PER MONTH

    COST PER CARD ISSUEDCOST PER CARD ISSUED:

    Instant : $7.50* Central : $1.50*

    *$300/month fixed cost for Branch Issuance

  • INSTANT ISSUANCE MAXIMIZES CARD PROGRAM PERFORMANCE

    CENTRAL ISSUANCE BRANCH ISSUANCE

    Shift Incremental Revenue Per Card: $0

    Shift Incremental Revenue Per Card: $.90

    Lift Incremental Revenue Per Active Card: $0

    T t l I t l

    Lift Incremental Revenue Per Active Card: $10.80

    Total IncrementalRevenue: $0

    Cost to Issue: $1 50

    Total IncrementalRevenue: $11.70

    Cost to Issue: $7 50Cost to Issue: $1.50

    Profit Per Card Issued:

    Cost to Issue: $7.50

    Profit Per Card Issued:Profit Per Card Issued:($1.50)

    Profit Per Card Issued: $4.20

    Data is based on first year

  • Personalization Flexibility

    Mag Stripe Card,Fob,Go Tag

    PayPassPayWave

    ContactContactlessEmbossed

    orFlat

    GoTag ,Phone

    PayWave ContactlessRFIDNFC

    Endtoendencryptionforprovensecurity

  • Questions?

    Petr TrombalaFinancial Instant Issuance Solution Sales Manager

    petr_trombala@datacard.com

    16