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The Official Publication of the International Card Manufacturers Association

Special Events Two 2015 Volume 25 • No. 6

A Customer’s View into Material and Design Trends

Quality Spotlight: How One ICMA Member Company Improves Quality Through Standards

Quality Standards Help Guarantee Customer Satisfaction

Ask an ACE: Q&A with Ryan Mimnagh, Colourfast Printing

Increasing Performance & Quality| By Jeffrey E. Barnhart

Over the past few years ICMA has implemented performance metrics

for both manufacturing and personalization. These metrics help to

create a systematic approach to quality within a member’s organiza-

tion. The personalization metrics, created in 2015 by a committee

led by ICMA Board member Barry Mosteller, CPI Card Group, consist

of six metrics that help members to track and display those metrics

and to help them compare against “best in class” value. The manu-

facturer metrics, created in 2012 by a committee led by ICMA president, Keith Yeates, of

Bristol ID Technologies, also consists of six metrics that were chosen to have the greatest

impact on a company’s manufacturing performance.

We at ICMA hope that our manufacturer and personalizer members are utilizing and

implementing these performance metric tools into their organizations to measure and

improve their performance. Through the implementation of these tools, members are

helping to create a more standardized industry. To learn more about the ICMA

Performance Metrics please visit our website at www.icma.com.

Should My Company Sponsor or Exhibit at an Event?

| By Diane Webster-Sweeney

Have you been asking yourself whether your company should

sponsor or exhibit at an event? There are many reasons, but I have

taken the liberty of putting together the top three reasons your

company should.

1) Get in front of your target audience—Event organizers market their events through a

multitude of mediums and your logo and company website are sure to be placed and

linked on each of those marketing communications.

2) Grassroots marketing at its best—There is no better way to gain new clients, new

customers and new business than by standing face-to-face and talking with new

contacts about your product and company.

3) Get your brand noticed—By featuring your company’s logo on lanyards, track sessions,

meals and more, your organization is bound to leave a lasting impression with

attendees. In fact, many of the options even allow your brand to be transported home

with attendees.

ICMA’s upcoming EXPO is the perfect chance to spotlight your company and your product.

For more information on exhibiting or sponsoring at the EXPO contact me today at

[email protected] or call 1 (609) 799-4900 for more information.

executive director

from the ICMA staff

is published by CMA Publications Group,a Creative Marketing Alliance Company,for ICMA.

Please submit all articles, news releases and advertising to:

CARD MANUFACTURING™

C/O: CMA191 Clarksville RoadPrinceton Junction,New Jersey 08550 USA

Founder/Executive DirectorJeffrey E. [email protected]

Association ManagerLynn [email protected]

Communications Manager/ Managing EditorAnna Lopez [email protected]

Membership Coordinator Michele [email protected]

Project/Advertising Sales ManagerDiane [email protected]

Public Relations Manager Ken Hitchner

Communications Greta Cuyler [email protected]

Creative DirectorDave Sherwood

Founder/Industry AdvisorAlbert J. [email protected]

TELEPHONE1-609-799-4900

INTERNETwww.icma.com

[email protected]

Card Manufacturing™ publishes information for the benefit of its members and readers. The sponsor, International Card Manufacturers Association (ICMA), the publisher and the editors of Card Manufacturing™ cannot be held liable for changes, revisions or inaccuracies contained in the material published.For more detailed information on the product, programs, services or policies covered in Card Manufacturing™, it is recommended readers contact the appropriate person, company, agency or industry group.

3w w w . i c m a . c o m

http://www.icma.com

mailto:[email protected]








http://www.icma.com


http://www.icma.com

20

A Customer’s View into

Material and Design Trends

What do card manufacturer customers care most about when designing their cards? This article delves into the ever-changing world of material and design trends from a customer’s point of view.

| By Tony McGee, manager, Customer CARE,

CPI Card Group

Quality Standards Help Guarantee

Customer Satisfaction

An in-depth look at the ISO standards governing the card manufacturing industry.

| By David Tushie, Magellan Consulting, Inc.,

ICMA Standards and Technical Representative

RECURRING SECTIONS F E A T U R E S

3 Executive Director’s Message

5 Member & Product News

10 Association News

14 EXPO News

25 inCITE News

26 Industry News

29 New Members

18

4 C A R D M A N U F A C T U R I N G | S P E C I A L E V E N T S T W O 2 0 1 5

18 22

VOLUME 25 • NUMBER 6

SPECIAL EVENTS TWO 2015

www.icma.com

COVER STORY16 Six Metrics You Should Care About: Perfor-mance Metrics to Better Serve Your Customers Looking for ways to implement quality control and standards within your card manufacturing plant? This article reviews ICMA’s manufacturing performance metrics and learns from ICMA president, Keith Yeates, why he feels it’s important to follow these six metrics.

| By Anna E. Lopez, ICMA

Quality Spotlight: How One ICMA

Member Company Improves

Quality Through Standards

Learn how one ICMA member implements quality control initiatives, how implementing quality standards helps the industry, and how it helps their business.


Ask an ACE: Q&A with Ryan

Mimnagh, Colourfast Printing

A look at one of ICMA’s 211 members who is ACE-accredited and the impact it has had on his professional development.


c o n t e n t s

22

20 24

http://www.icma.com


c o n t e n t sABnote Transforms How Businesses Reach Android Customers

American Banknote Corporation

(ABnote), in partnership with Above

Mobile announced the launch of the first

complete wallet application for Android

users, with the addition of ABnote’s

secure mobile payments platform

to PassWallet™. ABnote’s payments

solution not only provides non-Apple

users an all-inclusive experience with

PassWallet™, but also enhances how

businesses reach their Android custom-

ers. The business-to-business solution

piece of the application is available

exclusively through ABnote and can

be white labeled for any card issuer or

wallet provider. PassWallet™ safely and

securely stores and manages users’ most

sensitive information, including credit

cards, bank accounts, ID documents,

travel and event tickets, loyalty and gift

cards and coupons.

The existing ABnote mobile payments

platform provides a secure foundation

for all types of payment transactions

and wallet solutions, including the very

popular host card emulation (HCE) or

cloud based payments. Above Mobile’s

PassWallet is a third-party implementation

of the PassBook standard for non-Apple

Devices.

For more information, please visit

www.abnote.com.

Bilcare Research to Invest 15 Million Euro at its Manufacturing Site in Germany

In order to continuously support the

growth of this market and its customers

Bilcare Research AG has invested in a

state-of the-art extrusion- and stenter-

line at its manufacturing site in Staufen,

Germany.

Following intensive discussions, the

company decided for SML Maschinenge-

sellschaft, Lenzing, Austria and Brückner

Maschinenbau, Siegsdorf, Germany as

suppliers. This investment project will

include, in addition to the two main

aggregates, the construction of a new

stenter-hall as well as the supporting

infrastructure and will generate 15

new jobs.


www.bilcare.com.

member & product news

CIM USA Introduced MF12000, an Advanced Multi-Card Platform for Smart Card Personalization

CIM USA recently introduced MF12000 a

new multi-card platform with 12 encoding

stations for smart card personalization,

designed for high volume central card

issuance. The MF12000 platform supports

a wide range of open and proprietary

contact and contactless systems, ISO

14443, ISO 18092, NFC forum, as well as

proprietary systems from MIFARE, my-d™,

NFC, FeliCa™, etc. This broad compatibility

provides companies and organizations with

a single source for their contact and con-

tactless personalization needs. The new

platform can also be configured to per-

sonalize hybrid and dual-interface cards.

This allows customers to issue cards with

contact and contactless capabilities for

functions, such as financial transactions,

access control, retails, ID document,

computer log-on and network access.

The new MF12000 allows customers to

issue smart cards more efficiently than

ever, as it is equipped with 12 encoding

stations that allow users to personalize up

continued on page 6

http://www.icma.com

http://www.abnote.com

http://www.bilcare.com

to 12 smart cards. The platform ensures

high throughput, and makes multi-card

processing easy, offering complete flex-

ibility and reliability with its twelve input

hoppers capable of holding 200 cards each.


www.cim-usa.com.

CPI Card Group Files for a $100 Million IPO

CPI Card Group recently filed with the

SEC to raise up to $100 million in an

initial public offering. The company plans

to dual list on the NASDAQ and Toronto

Stock Exchange. The Littleton, Colorado

based company was founded in 1983 and

booked $296 million in sales for the 12

months ended March 31, 2015. No pricing

terms were disclosed.


www.cpicardgroup.com.

Entrust Datacard Achieves MasterCard Emerging Payment Support Accreditation

Entrust Datacard announced that the

company has received MasterCard

Emerging Payments Support Accredita-

tion (MEPSA program) in the Technical

Support Issuer program category. The

MEPSA program has the objective to

enable accredited suppliers that have

showcased suitable skills and expertise

to globally support MasterCard custom-

ers, including issuers involved with EMV

contact and contactless smart card

programs.

Entrust Datacard joins a limited list of

accredited companies and highlights its

ability to provide technical and product

support to MasterCard issuers before

and during project implementation.

Specifically, Entrust Datacard provides

training, consultative technical support,

and business information to companies

continued on page 8


implementing smart card issuance

programs. Entrust Datacard leverages its

expertise to issuers at both centralized

and distributed issuance environments to

be compliant with PCI DSS Data Security

Standards. The company also conducts

EMV and smart card workshops and

training for its customers, providing

strategic and technical roadmaps for

EMV migration—particularly for the

timetable on the adoption of M/Chip

Advance, which is the latest version of

the MasterCard M/Chip product family

that provides enhanced and innovative

functionality for issuers around the world.


www.entrustdatacard.com.

Fiserv to Integrate Fujitsu PalmSecure Technology into DNA Account Processing Platform

Fujitsu Frontech North America Inc.

announced that Fiserv, Inc. has signed

an agreement that will allow them to

integrate Fujitsu’s PalmSecure® biometric

technology into the DNA account pro-

cessing platform from Fiserv. PalmSecure

technology enables positive identification

of account holders across multiple deliv-

ery channels. The Fiserv integration will

initially facilitate the authentication of

account holders in the branch to provide

positive identity verification for activities

such as withdrawing funds or accessing

a safety deposit box.

The Fujitsu PalmSecure biometric palm

vein sensors use a near-infrared light

to capture a user’s palm vein pattern,

generating a unique biometric template

that is matched against the palm vein

patterns of pre-registered users. Unlike

other readers, the PalmSecure device

does not come into contact with the skin,

making it extremely hygienic, non-intru-

sive and unrestricted by external factors

such as skin types and conditions. Regis-

tration for PalmSecure technology users

takes less than one minute and authenti-

cation takes less than one second.


www.fiserv.com.

G&D Receives Visa Certification for HCE Cloud Payment Services

Giesecke & Devrient (G&D) has been

certified “Visa Ready” by Visa for Host

Card Emulation (HCE) cloud-based

payment services. With the Visa Ready

status, Visa ensures that technology and

service providers develop and deploy

products and services that are compatible

with Visa’s requirements. G&D’s data

center in Canada has received Visa Ready

certification as a provider for cloud-

based payment services.

G&D’s certification by Visa covers all

core services for cloud-based payments—

digital credential provisioning, key

management for digital credential provi-

sioning and token lifecycle management.

G&D deploys its Convego® CloudPay

solution for the provision of cloud

payment services to its banking customers

worldwide. Convego CloudPay is com-

pliant with the cloud-based payment

specifications from major payment

schemes and provides a single service

deployment for the issuers to offer mo-

bile payments across the product portfo-

lio to their customers.

Convego CloudPay consists of two main

components—CloudPay Server and

CloudPay Client. The CloudPay Server

provides an online interface to banks,

furnishing the provisioning and life-cycle

management of the bank’s payment

cards on the end users’ HCE enabled

smartphones. The CloudPay Client is a

secure software library that is integrated

into the bank’s mobile application, pro-

viding a secure storage for the payment


http://www.cim-usa.com

http://www.cpicardgroup.com

http://www.entrustdatacard.com

http://www.fiserv.com



card data and payment engine to execute

mobile payment transactions. The Cloud-

Pay Client implements state-of-the-art

security mechanisms to protect the pay-

ment data stored on the mobile device.


www.gi-de.com.

HID Partners with NXP to Enhance Card Flexibility and Security for Smart Card Manufacturers

The new offering is the first HID Global

inlay to use its patented HID direct bonding

platform technology, which is avail-

able for high frequency (HF) systems.

NXP Semiconductors is HID Global’s first

qualified partner supplying IC chips

for this product. HID Global’s new inlay

takes advantage of its proven process of

directly bonding chips to wire-embedded

air-coil antennae for low-frequency

animal ID and automotive applications,

without the bulk of added modules.

The company has successfully lever-

aged its direct bonding technology for

HF applications, enabling manufactur-

ers to develop the smallest HF formats

available in the market while delivering

uncompromised performance. By using

this method in its new ultra-thin inlays,

HID Global is providing smart cards with

a durable and reliable connection

between the card’s intelligence—the IC

chip—and its antennae.

In addition, the thinner inlay offers e-ID

and smart card manufacturers more flex-

ibility in card construction. The narrow

dimensions of HID Global’s ultra-thin

inlays—200 microns instead of the typical

350 microns—provide manufacturers

with room to add more security features

on both sides of an e-ID card during

construction, while still complying with

international ISO thickness standards.


www.hidglobal.com.

MasterCard, Visa Authorize e-finance Smart Card Production Center

Global MasterCard and Visa have

authorized e-finance Company to issue

e-cards for all banks and international

financial institutions, members of both

international organizations, through the

company’s card issuance center. The

authorization is the fruit of e-finance’s

efforts to enter the international market

with a big share in the issuance, operat-

ing and implementation of smart cards,

Ibrahim Sarhan, e-finance Chairman said.

According to the center’s manager Ahmed

Torky, authorizing e-finance to issue

cards for banks will save huge sums of

money and hard currency that were spent

to establish e-card issuance centers

with low production rate and quality.

For more information, please

visit www.mastercard.com or

www.visa.com.

Matica Technologies Opens New Branch in Hong Kong

Matica Technologies AG continues to

expand its presence around the globe

with the opening of a new office in

Hong Kong. The new presence comes

in response to demands for Matica’s

products in China and the rest of Asia,

where companies are investing in instant

and central card issuance in the financial,

government and retail market and higher

demands in desktop ID printing solutions.

As part of the Matica Technologies

Group, the branch belongs to a global

presence of worldwide offices in Italy,

Germany, France, Singapore, China, the

US, UAE, and India. It will be led by

Kenneth Cheung, regional director APAC,

Matica Technologies. The new Matica of-

fice is the third in the Asia region amongst

regional offices in Beijing and Singapore.

It will primarily handle marketing

activities for the East Asian region,

inside sales for the China region and

serves as a branch for sales operations.


www.maticatech.com.

Plasticard Locktech Partners with Oasys Technologies for Future Expansion

Plasticard Locktech Inc. (PLI) has

selected Oasys Technologies to be

their equipment supplier of high speed

progression punching machinery. In

addition to the expansion of their Las

Vegas, Nevada facility, PLI has also

expanded their Asheville, North Carolina

production site and purchased two fully

automated Oasys Twinstack Laminators

to keep up with the demand for products.

For more information, please

visit www.oasys.uk.com or

www.plicards.com.

Signature Card, American Association of Cosmetology Schools Team Up

Signature Card Services has officially

become the preferred payment solutions

provider for the American Association of

Cosmetology Schools (AACS), a partner-

ship that brings the beauty and payment

processing industries together for AACS

members’ smooth and affordable

migration to the chip card standard.

AACS members will also benefit from

competitive credit card processing rates,

which will enable them to significantly

reduce their expenses. Signature Card

Services’ buying power and cooperative

rebate funding allows for more favorable

pricing as an increased number of

members participate, meaning all AACS

members will benefit. Smaller members’

schools will receive the same rates

http://www.gi-de.com

http://www.hidglobal.com

http://www.mastercard.com

http://www.visa.com

http://www.maticatech.com

http://www.oasys.uk.com

http://www.plicards.com

and discounts as members with larger

volumes.


www.signaturecard.net.

TSYS and Acquirer Systems Launch ASTREX to Simplify EMV Certification Process

TSYS® and Acquirer Systems announced

the launch of ASTREX, a new testing

solution that simplifies the EMV®

certification process for both Value-

Added Resellers (VARs) and Integrated

Software Vendors (ISVs). Developers

can now use a streamlined approach

to integrate with TSYS’ current testing

environment, where ASTREX provides a

robust card brand simulation tool with

real-time results. The efficient testing

functionality cuts EMV certification time

in half. As an EMV payments simulation

platform, developers can test a full range

of transactions and network scenarios.

This powerful and comprehensive testing

solution eliminates complex integration

steps with its scalability, and also reduces

overall EMV implementation costs. AS-

TREX gives VARs and ISVs the peace of

mind that their POS solutions will qualify

for EMV certification on the first attempt.

The TSYS and Acquirer Systems solution

provides VARs and ISVs with a sustain-

able method of validating their payments

ecosystems through tests conducted from

a familiar, easy-to-use workspace that

requires no further password management

or secondary login information. VARs

and ISVs will receive robust support

from the TSYS Developer Services

team—both during and after the inte-

gration—to further reduce overall EMV

implementation costs.


www.tsys.com.

+44 1730 231313 • [email protected] • www.barnestest.com

Mag-Stripe AnalyzersEMV and GP Test Tools

Speed up product developmentand certification. Assuremanufacturing quality control.

The chosen smartcard test tools partner of banks,issuers, card manufacturers, personalizationbureaus and test laboratories worldwide.

EMV training and consultancy

Equip your cards and paymentsteam with the knowledge theyneed to make your EMV project asuccess.

Upcoming EMV Training Course DatesOct 6 - 8, Atlanta • Nov 10 - 12, Phoenix • Dec 2 - 4, Mexico City

HALF PAGE A4 AD JAN 15 V2.qxp_Layout 1 07/09/2015 08:35 Page 1

http://www.signaturecard.net

http://www.tsys.com


http://www.barnestest.com


AGENDA8-9 October, 2015Hilton Munich CityMunich, Germany For 25 years ICMA has continued to be at the forefront of the card manufacturing and personalization industry. Throughout its 25 years, ICMA has united the industry and created an avenue for manufacturers and suppliers to network and share new and innovative ideas. ICMA’s 2015 EuroForum is a day and a half event that offers the chance to exchange ideas and learn from leading experts about regional strategies and solutions, as well as specific industry opportunities and trends. Attendees have the ability to engage in abundant networking and educational sessions that will supply you with the best tools to overcome obstacles and challenges while increasing your bottom line and return on investment.

The 2015 EuroForum, chaired by Brian Summerhayes of Barnes International and Thies Janczek of COCASO, along with planning committee member, Thomas Tarantino, of Giesecke & Devrient, will present a leading-edge agenda that offers attendees meaningful strategies and tactics that can be taken back to their organizations.

Registration Information

General Registration: $550 USD

The EuroForum will include a networking dinner for all attendees that is included in the registration fee. This is a great chance to network with other attendees in a relaxed, social environment.

Roundtable Discussions

Led by moderators, interactive roundtable discussions will analyze and explore current and future European card market dynamics. Choose the topic of interest to you. The topics this year are:

• How will card plants adapt and change and what will they look like in 2020?

• Will card production and/or personalization and fulfillment services outsourcing be a major factor in the future?

• Discuss changing trends in card construction and design.

Get Your Table Top Display Today – Space is Limited

Among the highlights of the EuroForum are the table top displays, where suppliers display their product literature, samples and other information. These table top displays provide supplier members with more opportuni-ties to be in front of card manufacturer members, allowing the production/operations personnel who typically attend the events to meet their suppliers.

If you are interested in securing a table top display, please contact Diane Webster-Sweeney at [email protected]. Space is limited.

Table Top exhibitors as of press time:

Peter Baumann, Cardmatix

Christoph Zozgornik-Husmann, VTT

Thies Janczek, COCASO

Sven Michael, KBA MePrint AG

Peter Stampka, Infineon Technologies AG

David Tushie, Magellan Consulting, Inc., ICMA Standards Representative

Al Vrancart, ICMA Founder Emeritus and Industry Advisor

Eva Sophie Wiesmüller, Power2Progress

Keith Yeates, Bristol ID Technologies

Meet Our Presenters...

2015

association news

Register

Today!

www.icma.com


http://www.icma.com

http://www.icma.com

http://www.icma.com


AGENDA

Product Showcase

ICMA’s unique Product Showcase offers exhibitors a chance to conduct a 3-5 minute presentation that takes place prior to each speaker in our Product Showcase. The Showcase is designed to provide more opportunities to learn about exhibiting companies and their services.

Co-Chairs: Brian Summerhayes, Barnes International and Thies Janczek, COCASO

Wednesday, 7 October

12:00-6:00pm ACE-M Training (Separate registration required, exam registrants only)

Thursday, 8 October

8:00-8:30am REGISTRATION / TABLE TOP DISPLAYS / WELCOME COFFEE

8:30-8:45am Opening Remarks

8:45-9:35am GLOBAL & EUROPEAN CARD MARKET TRENDS & FORECASTS— THE NEXT 5 YEARS

Al Vrancart, ICMA Founder Emeritus and Industry Advisor9:35-10:15am PACKAGING TRENDS FOR SMARTCARD & EID DOCUMENTS Peter Stampka, Infineon Technologies AG

10:15-10:45am BREAK/TABLE TOP DISPLAYS

10:45am-12:15pm ROUNDTABLE SESSION Topics for Discussion: • How will card plants adapt and change and what will they

look like in 2020? • Will card production and/or personalization and fulfillment

services outsourcing be a major factor in the future? • Discuss changing trends in card construction and design.

12:15-1:15pm LUNCH

12:00-6:00pm ACE-P Training (Separate registration required, exam registrants only)

1:15-2:00pm WATERBASED INKJET - REQUESTS AND CHANCES FOR CARD APPLICATIONS

Sven Michael, KBA MePrint AG

2:00-2:45pm BEST HIRING PRACTICES Keith Yeates, Bristol ID Technologies

2:45-3:15pm BREAK / TABLE TOP DISPLAYS

3:15-4:00pm STRATEGY FOR CARD AND EQUIPMENT MANUFACTURERS FOR A SUCCESSFUL FUTURE

Eva Sophie Wiesmüller, Power2Progress

4:00-4:45pm MASTERCARD—CARD QUALITY MANAGEMENT (CQM VERSION 2.15) PROCESS

Thies Janczek, COCASO

6:00-7:00pm NETWORKING RECEPTION / TABLE TOP DISPLAYS

7:00pm NETWORKING DINNER

Friday, 9 October

8:00-8:30am TABLE TOP DISPLAYS / WELCOME COFFEE

8:30-9:15am CARD DURABILITY CONSIDERATIONS FOR A 5 YEAR CARD LIFE David Tushie, Magellan Consulting, Inc., ICMA Standards Representative

9:15-10:00am RFID TECHNOLOGY UPDATE Smartrac Technology Group

10:00-10:30am BREAK/TABLE TOP DISPLAYS

10:30-11:15am ADDING SECURITY FEATURES WITHOUT ADDITIONAL PRODUCTION STEPS

Christoph Zozgornik-Husmann, VTT

11:15-12:00pm DUAL INTERFACE TECHNOLOGIES Peter Baumann, Cardmatix

1:00-4:00pm ACE-M and ACE-P Exam (Separate Registration Required)

http://www.icma.com


association news

October 20-21, 2015Renaissance Chicago O’Hare

For 25 years ICMA has continued to be at the forefront of the card manufacturing and person-alization industry. Throughout its 25 years, ICMA

has united the industry and created an avenue for manufacturers and suppliers to network and share new and innovative ideas. ICMA’s 2015 North American Workshop is a day and a half, regionally-focused event that offer manufacturers, personalizers, suppliers and issuers a unique opportunity for education, networking and exchanging ideas among industry peers. The event is geared to technical and card production staff as well as executives and business owners and focuses on actual production issues, trends and topics.

Chaired by Guy Meeker of Teraco, the North American Workshop offers the ability to discuss the most important challenges, opportunities and trends facing the North American card industry today. ICMA is excited to present a leading-edge agenda that will offer attendees meaningful strategies and tactics they can take back to their organizations.

Roundtable Discussions

Led by moderators, interactive roundtable discussions will analyze and explore current and future North American card market dynamics. Choose the topic of interest to you. The topics this year are:




Registration Information

General Registration: $550 USD

The North American Workshop will include a networking dinner for all attendees that is included in the registration fee. This is a great chance to network with other attendees in a relaxed, social environment.

Get Your Table Top Display Today – Space is Limited

Among the highlights of the North American Workshop are the table top displays, where suppliers display their product literature, samples and other information. These table top displays provide supplier members with more opportunities to be in front of card manufacturer members, allowing the production/operations personnel who typically attend the events to meet their suppliers.

If you are interested in securing a table top display, please contact Diane Webster-Sweeney at [email protected]. Space is limited.

Table Top exhibitors as of press time:

Sue Hanson, Travel Tags

Wally Lowe, Cross-Core Technology

Sam McReynolds, Sun Chemical

Guy Meeker, Teraco

Barry Mosteller, CPI Card Group

Devesh Pandit, E4 Security Consulting, LLC

John Schneiderhan, DIC International USA

David Tushie, Magellan Consulting, Inc., ICMA Standards Representative


Chuck Wittenmeyer, Valid USA

Keith Yeates, Bristol ID Technologies

Meet Our Presenters...2015

AGENDA

Register

Today!

www.icma.com


http://www.icma.com

http://www.icma.com

http://www.icma.com


AGENDA

Product Showcase

ICMA’s unique Product Showcase offers exhibitors a chance to conduct a 3-5 minute presentation that takes place prior to each speaker in our Product Showcase. The Showcase is designed to provide more opportunities to learn about exhibiting companies and their services.

Chair: Guy Meeker, Vice President, Operations, Teraco

Monday, October 1912:00-6:00pm ACE-M Training (Separate registration required, exam registrants only)

Tuesday, October, 208:00-8:30am Registration / Table Top Displays / Continental Breakfast

8:30-8:45am Opening Remarks

8:45-9:35am GLOBAL AND NORTH AMERICAN CARD MARKET TRENDS— THE NEXT FIVE YEARS


9:35-10:15am CARD DURABILITY CONSIDERATIONS FOR A 5 YEAR CARD LIFE David Tushie, Magellan Consulting, Inc., ICMA Standards Representative

10:15-10:45am Break / Table Top Displays

10:45-11:30am BEST HIRING PRACTICES Keith Yeates, Bristol ID Technologies

11:30-12:15am PROCESS CONTROL IN A NON-SECURE PERSONALIZATION BUREAU Chuck Wittenmeyer, ACE-P, Valid USA

12:15-1:15pm Lunch

1:15-2:00pm BACK TO BASICS: HOW CHIP CARDS CAN HELP NON-SECURE MANUFACTURERS STAY ALIVE

Barry Mosteller, ACE-M, ACE-P, CPI Card Group

2:00-3:30pm ROUNDTABLE SESSION TOPICS:




3:30-4:00pm Break / Table Top Displays

4:00-4:45pm MANUFACTURING TO FULFILLMENT: A LOOK AT THE ENTIRE PROCESS Sue Hanson, Travel Tags

6:00-7:00pm Networking Reception / Table Top Displays

7:00pm NETWORKING DINNER

Wednesday, October 218:00-8:30am Continental Breakfast / Table Top Displays

8:30-9:15am HOW SECURE SHOULD A NON-SECURE FACILITY BE Guy Meeker, ACE-M, ACE-P, Teraco

9:15-10:00am WHAT’S INVOLVED IN BECOMING A CERTIFIED SECURE CARD MANUFACTURER

Devesh Pandit, E4 Security Consulting, LLC

10:00-10:30am Break / Table Top Displays

10:30-11:15am DROP-ON-DEMAND INKJET: INNOVATIONS AND OPPORTUNITIES Wally Lowe, ACE-P, Cross-Core Technology

11:15am-12:00pm UNDERSTANDING THE BENEFITS OF UV CURABLE PRINTING Sam McReynolds, Sun Chemical and John Schneiderhan, DIC

International USA

12:00-6:00pm ACE-P Training (Separate registration required, exam registrants only)

1:00-4:00pm ACE-M Exam (Separate registration required)

Thursday, October 228:00-11:00am ACE-P Exam (Separate registration required)

http://www.icma.com

2016 ICMA EXPO Co-located with the SCA Payments Summit

April 4-7, 2016 Loews Royal Pacific Resort Orlando, Florida, USA

ICMA and the Smart Card Alliance (SCA), a multi-industry association working to stimulate adoption of

smart card technology and advanced payment technology, are excited to host a co-located conference

that creates a synergistic experience for the industry.

The 2016 ICMA Card Manufacturing & Personalization EXPO and the Smart Card Alliance Payments

Summit will fuse together the industry’s only global card manufacturing and personalization focused

event with the leading forum for smart, secure payment technology, implementation and markets. Pro-

fessionals from around the industry will attend this one-of-a-kind event including card manufacturers,

personalizers, issuers, suppliers, smart card practitioners, solutions developers, and end users.

The event will include a joint exposition and opening general session, as well as ICMA and SCA led

educational tracks on new card technologies and emerging payment applications involving EMV chip

card, mobile and transportation payments. The ICMA EXPO and SCA Payments Summit will host

separate and joint networking events for attendees and organization members. Experience the benefit

of networking with a wider audience that includes potential clients and peers in an environment that

facilitates lasting business connections.


2016

2016

20162016

EXPO news


Secure Your Exhibit Contract Today—Space is Filling UpSpace is selected on a first come, first served basis in the order in which contracts are received. We expect to sell out so be sure

to reserve early! Contact Diane Webster-Sweeney at [email protected] for more information or to secure a contract.

Members: $3,925 USD • Non-members: $4,725 USD

Check out our exhibitors to date:tele-marines, trade gothic lh extended bold

Card & RFID Automation


http://www.icma.com

cover story


PERFORMANCE METRICS TO BETTER SERVE YOUR CUSTOMERS

Anna E. Lopez – ICMA


Many of the challenges facing card manufacturers

through the years have been surrounding consis-

tency and a way to standardize an organization’s

performance. In 2013 ICMA introduced perfor-

mance metrics for card manufacturers, and most

recently introduced performance metrics for

personalizers. After forming a task force in 2013

that created a card manufacturing dashboard,

metrics were discussed and agreed upon. These

metrics were brought about to help manufacturers

track and display monthly goals and compare

against the “best in class” values for card

manufacturers. Six metrics were chosen to have

the greatest impact on a company’s manufactur-

ing performance: yield/waste, lead time, proof

turnaround time, sales per employee, inventory

turns and on-time shipment. These metrics can

help ICMA members to increase their business

functions, yet also save time and money.

The dashboard that was created by a task force

led by ICMA president, Keith Yeates, allows

members to track, record and measure monthly

goals, forecast results and guide future planning.

One of the overarching goals of creating the per-

formance metrics was to allow ICMA’s member

companies the ability to accurately compare

their numbers against metrics and to ultimately

give the industry a level playing field to measure

results. By creating this quality measurement for

the industry, ICMA is able to further its mission

of supporting the card industry and the value of

its products and services, providing an indepen-

dent forum to speak for the industry.

ICMA recently interviewed Yeates to discuss

what his hope for the metrics were and are, and

why he feels it is important ICMA crafted them

for its members.

ICMA: What was your hope for manufacturers when you began the process of putting the metrics together?

Yeates: My hope was and continues to be that

our member manufacturers would embrace the

fact that they can only improve that which you

can measure. I also hoped that they would find

the ICMA metrics easy to use and if they had

not already adopted a program of continuous

improvement, the metrics would be the vehicle

to do this.

ICMA: What do you feel is important about each metric and how they impact the manufacturing process?

Yeates: There are many metrics that can be

tracked and each company should implement

those that they feel are important to their

company, however these six metrics that were

chosen directly impact profitability, cash flow

and customer service which are very relevant

to card manufacturers.

ICMA: What did you hope the outcome of add-ing performance metrics to the manufacturing process would be for the card manufacturing industry?

Yeates: The improvement in the performance of

our card manufacturing members will lead to a

stronger industry and one that will sustain itself

for many years to come.

ICMA: Have you found success in implementing the metrics in your own facility?

Yeates: In many ways, yes! We track many

different metrics in addition to those in the

ICMA metrics. I believe our continued profitable

growth is in part due to our process of continued

improvement and our ability to track and measure

key metrics. Also, when things in the business

trend the wrong way we have the ability to

quickly react and correct.

ICMA’s continued objective is that member man-

ufacturers who implement the six metrics will

be better prepared to evaluate their overall

strengths and weaknesses. The dashboard tool

is designed to help manufacturers continue their

success in an ever-changing climate.

To learn more about the metrics and access the

dashboard tool please visit www.icma.com. For

questions, please contact ICMA at [email protected]

or call (609) 799-4900.

http://www.icma.com

http://www.icma.com



feature story

The payment card industry has seen many changes over the

past few years. EMV chips embedded in cards are quickly

becoming the standard while recent innovations such as

mobile technology is continuing to drive new discussions

across the payments ecosystem.

I have the opportunity to talk to buyers and designers of

payment cards on a daily basis, many of whom are looking

for the next big thing in card design and technology.

It’s not uncommon to hear the words, “we want our design

to pop” or, “my card needs to stand out from the rest.” The

financial institutions we work with today are more in tune

with design trends than ever before and the cards we

manufacture for them can be one of the best and most

visible marketing tools they have.

In the April/May 2015 issue of Card Manufacturing, my

colleague, Megan Anthony Bogard, addressed some of the

important design trends we are seeing from our customer

base. The standard use of white core in card production

has changed. A walk through our manufacturing floor dem-

onstrates how colored core has now become the standard.

The most common colors are reds, blues, yellows, oranges

and blacks. While special PMS matches and custom colors

are also available, the lead times involved can influence an

issuer’s final choice.

Another trend in core material is the continued movement

towards the use of full face silver and rainbow foils. These

finishes provide award winning innovation and differentia-

tion for issuers who strive for their card to be top of the

cardholder’s wallet. Take into consideration how you design

around the embedded antenna when using foil for dual

interface cards so that you don’t affect the combined contact

and contactless functionality.

As it relates to core materials, the move to embedded chip

cards requires the use of a slightly thicker card build to

accommodate the chip. There are some conditions where

the number of screen passes could see the finished card

falling out of ISO specification. In these cases, we may have

to look at the use of thinner core material just to offset the

printed design.

As U.S. issuers settle in to the EMV migration standards,

there are many questions about maximizing a card’s entire

real estate, including the chip. Gold and palladium are the

standard colors for 6 or 8 contact chips, however, what else

can be done to enhance the exposed contact plate?

• Can the chip shape change?

• Can the chip color change?

• What about etching my company logo

in the contact plate?

A CUSTOMER’S

VIEWTony McGee – Manager, Customer CARE, CPI Card Group

INTO MATERIAL AND DESIGN TRENDS


While some of these design options are already being

used today, generally the base costs associated with these

choices lead the discussion back towards a traditional path

of production.

Custom signature panels, premium association brand marks,

specialized holograms, laser receptive materials and refrac-

tive films are other design enhancements that are quickly

becoming popular. Each of these items can add minor or

major changes to how we manufacture cards consistently

while maintaining great quality.

A fight for wallet share coupled with the migration to

embedding chips in our cards has without question moved

issuers to push the envelope as they modify their portfolios.

An appetite for innovation, new materials and creative

thinking is present like never before.

Recently, someone shared their opinion with me regarding

the future of the financial card market. If we want to see

where we are headed over the next 5 to 10 years, just look

at the identification card market today. There are many

connections that we can make from where this market

started to where financial cards are eventually headed. It’s

solid food for thought.

About the Author: Tony McGee is the manager of Customer CARE at CPI and responsible for their U.S. financial card manufacturing business. Tony is located at the CPI Denver office and has been with CPI for over five years. Tony is ACE-M and ACE-P accredited and has been a frequent speaker at ICMA events and has published articles in ICMA’s Card Manufacturing magazine.

http://www.icma.com

WWhen the structure of the ISO Standards was

defined, the requirements for a card’s perfor-

mance to meet the Standard were specified

separate from the ISO Standard that define

the tests to be run to evaluate the resulting

performance. Two classical examples are:

ISO/IEC 7810 Identification cards—Physical

characteristics: This Standard defines the

physical characteristics that include, for example:

physical dimensions, resistance to bending,

dimensional stability, resistance to chemicals,

temperature and humidity and the toxicity of

the card material. It also defines different card

sizes that are required to accommodate various

card applications.

ISO/IEC 10373-1:2006 Identification cards—

Test methods: Specifies the non-technology

specific test methods required to establish the

conformance of identification cards to the base

requirements standards for which the funda-

mental properties are defined in ISO/IEC 7810.

The following table identifies the ISO base

standard and the corresponding ISO test

methods for the most commonly referenced

standards in the card industry.

QUALITY STANDARDS HELP GUARANTEE

CUSTOMER SATISFACTION

industry standards


David Tushie – Magellan Consulting, Inc., ICMA Standards and Technical Representative

The next two standards deal with the latest

technologies and how the inclusion of this

technology, managed by the chip in the

card, can enable the card to perform ad-

vanced functions. Part 1 defines the general

framework of the standard and Part 2 defines

the operating characteristics and the test

methods to be used to evaluate performance.

ISO 18328-1 Information ISO 18328 -2 Information

Technology - ICC managed technology - ICC

devices - Part 1: General managed devices - Part 2:

framework General characteristics and

test methods

Card quality and performance testing enable

manufacturers to produce cards that are

reliable over the required service life. In

addition, when those cards are in service,

standards guarantee interoperability with

other cards and terminals that operate

together as a system.


ISO Base Standard Specification ISO Test Method

ISO 7810 Identification cards - ISO 10373-1 Identification cards -

Basic characteristics Test methods: Part 1 General characteristics


Recording technique - Part 1: Embossing Test methods

ISO 7811 Identification cards - Recording ISO 10373-2 Identification cards -

technique - Parts 2 and 6: Magnetic stripes Test methods: Magnetic stripes

ISO 7816 Identification cards - ISO 10373-3 Identification cards - Test

Integrated circuit cards with contacts methods - Part 3: Integrated circuit cards

with contacts and related devices


Contactless integrated circuit cards - Test methods - Part 6: Proximity cards

Proximity cards - Parts 1, 2, 3 and 4


Contactless integrated circuit cards - Test methods - Part 7: Vicinity cards

Vicinity cards - Parts 1, 2 and 3

ISO 18092 Near field communications - NFC Forum Device Test Application

Interface and protocol - Part 1 Specification Version 2.1.01, 2013-12-23;

ISO 10373-6 Identification cards -

Test methods - Part 6: Proximity cards

ISO 15457 -1 Identification cards - Thin

flexible cards - Part 1: Physical characteristics

ISO 15457-2 Identification cards - Thin flexible

cards - Part 2: Magnetic recording technique

The following two ISO standards involve quality and card performance in simulated envi-

ronments that are intended to reproduce actual card usage and card failure mechanisms:

ISO 24789-1 Card service life - Part 1: ISO 24789-2 Card service life - Part 2:

Application profiles and requirements Methods of evaluation

For cards in the U.S. market, two American standards are available to use to evaluate

quality and performance:

INCITS 440 - Information Technology - INCITS 322 - Information Technology -

Card Durability/ Service Life Card Durability/ Test Methods

ISO 15457-3 - Thin flexible cards -

Part 3: Test methods

http://www.icma.com

CPI Card Group has found this adage to be true. According to

Tony McGee, manager, Customer CARE, CPI Card Group, “Quality

is absolutely critical to maintaining the long-term relationships

we have with our customers. Great product quality has a direct

impact on our ability to service the customer and we should all

strive for that to maintain a healthy and successful business.”

ICMA recently interviewed Barry Mosteller, director of research

and development for CPI Card Group, to discuss some of the

quality control measures the organization has implemented

recently and more.

ICMA: What quality control measures has your facility implemented in the past year? What was required to implement these?

Barry Mosteller: While our quality team and systems remain in

place, we have moved to a process control oriented company

where the process engineers own and drive the quality, produc-

tion, and safety. This team of engineers act on the quality teams’

actionable data being gathered from the process performance.

The quality team also aides the engineering team by ensuring

the team follows the quality system. It is really just a mindset

change and of course the engineer resources, if they are not

already in place.

ICMA: Are there more rigorous standards than others? What does this do to the productivity of the facility?

BM: The main standards we need to follow are ISO and ANSI for

general card manufacturing, EMVCO and MC CQM for banking

EMV cards, FIPS 201 for government ID cards, our own internal

standards, and customer specific standards when required. While

initially these requirements may be viewed as impeding produc-

tion, they ensure reduced issues in the field and reduced customer

complaints. They provide clear proof your cards are fit for use

and eliminate subjective complaints. Once you have adopted the

standards and adjusted your process for consistent results, they

actually ensure your products are consistent and have best in

class quality. All of which are all greatly beneficial to production.

Organizations become successful for many reasons. They can have the best product, the

most innovative technology, or the best sales force, however if they are not

providing the highest quality of their product to their customers, they are sure to fail.

Satisfied customers become loyal customers and providing the highest quality will help

to ensure those customers stay devoted to your business. By controlling quality, a busi-

ness controls costs. Making mistakes and errors is costly to businesses, but by following

standards, organizations are able to control their bottom line. Bringing a quality product

to market delivers a competitive advantage and raises your organization’s reputation.


feature story

HOW ONE ICMA MEMBER COMPANY IMPROVES QUALITY THROUGH STANDARDS

Anna E. Lopez – ICMA


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ICMA: What systems and processes have you put in place, both physical and logical, that you are most unsure about in terms of meeting PCI requirements?

BM: We are confident in the physical and

logical systems and processes put in

place to meet PCI compliance since we

are independently inspected to ensure

PCI compliance. There is no uncertainty.

ICMA: How do you account for measurement uncertainty when determining compliance to ISO physical card requirements?

BM: There were studies done by groups

such as INCITS where cards were tested

in labs and shared between labs, resulting

in good data about the uncertainty of

repeat measurements in the same lab

and between labs. We are always shooting

for the center of the specification, and in

some cases we have internal standards

which are tighter than the requirements.

These both ensure the number of times

measurement uncertainty becomes an

issue is very small. When there is an

issue, there are several ICMA members

who offer lab services and can inde-

pendently validate your results.

ICMA: Do you feel any quality standards that may be implemented in the future will help or hinder the card industry?

BM: The standards are developed by a

team of experienced knowledgeable

people, comprised of industry members,

which allow us multiple opportunities to

ensure we get the standards right. They

are created to correct an issue or a prob-

lem or ensure interoperability. On the

rare occasion we get it wrong, or things

change, we can and have changed the

standards. I do not see standards or

future standards as a hindrance.

By implementing quality control measures

and adhering to standards brought forth

by governing bodies, CPI has found a

much-needed avenue to bring a consistent

quality product to their customers. A

few years ago ICMA identified a need

for performance metrics that would help

card manufacturers and personalizers

alike address the need for quality control

and to help them stay within the best-in-

class standards that are set forth within

the industry. To learn more about ways

to increase the implementation of quality

standards within your organization

please visit www.icma.com.


http://www.graphtech.us

http://www.icma.com

http://www.icma.com

AQ

AQ


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A

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Since its inception in 2007, ICMA’s Advanced Card Education

(ACE) accreditation has been awarded to people with a

broad and detailed knowledge of the industry who success-

fully complete a rigorous exam. ICMA continues its quest

to learn more about the growing number of ICMA members

who currently hold this prestigious accreditation and the

impact it has had on their professional development.

Ryan Mimnagh, is production manager at Colourfast Printing,

based in Mississauga, Ontario, Canada. Ryan became ACE-P

accredited this past April at the 2015 ICMA EXPO. Colourfast

Printing are printers and manufacturers of plastic and paper

products that produce any type of plastic product with an

array of different printing, personalization and finishing

options. Ryan recently discussed how holding the ACE-P

accreditation has helped him in his career and also how the

exam helps to broaden your expertise.

Q: What motivated you to sign up to take

the exam?

A: Like most card manufacturers, I pretty much learned

everything on the go. Over the years I gained so much

experience and knowledge just by trying new things. When I

became a member of ICMA, I found out about the exam and

wanted to learn more. More importantly, I wanted to see if I

could become accredited as a personalization expert.

Q: Why were you interested in achieving the

ACE-P accreditation?

A: Our company is a family business, and between my

brother and I, we hope to each be accredited. One as ACE-P

and one as ACE-M. Personally, the personalization side of

the business has always been my strength, and I wanted to

further instill more confidence in our customer base.

Q: How do you think the ACE-P accreditation

will help you in your career?

A: It will help give confidence to our clients that we are

accredited professionals in this field. It has also introduced

me to some things about personalization that I didn’t

know before.

ASK AN ACEQ&A with Ryan Mimnagh, Colourfast Printing

By Anna E. Lopez

ace news

A

Q

Q: Why do you think those who are hesitant

to apply for the exam should move forward

with the process?

A: It’s a great learning experience. This is a specialized

business, and there is not really a place to learn more about

your own processes. The ICMA and ACE exams are interna-

tionally known in the card industry, so what better place to

learn than from the professionals themselves!

Q: What new process technologies will

shape the card manufacturing industry of

the future?

A: I think like any industry, the card industry will just

need to adapt to whatever might lie ahead. With that being

said, I believe that mobile payments and NFC will change

the landscape of the credit/debit card industry.

Q: What are some emerging trends in card

personalization affecting the way you do

business?

A: Efficiency is key! Some of the trends that we have

noticed are more on the print side of the business, with

more creative designs, special effects and non-standard

card sizes/shapes.

Q: What would you change about the

card industry?

A: This is a difficult question. I’d like to try different

types of materials, to offer a wider range of products to our

customers. Even though I already said that efficiency is key,

sometimes that can really narrow down your customer’s

options. I think with mobile payments on the rise, card buy-

ers will look for more unique ways to offer their products.


Set Your Company Apart from the Competition with Educated Employees

ICMA’s CITE program offers a certificate for your employees

to earn. Members are able go through the training module at

no charge. The certificate gives the validation and recognition

of passing the exam following the CITE program. You have

the option to pay a $50.00 USD fee, take the online exam

and become a CITE certificate holder if you receive a

passing score of 70 percent or higher. Utilize this tool

as part of your organizations’ orientation process,

employee continuing education and more! Once

you have earned the certificate, your company and

employees will be listed in ICMA publications such as

Card Manufacturing and ICMA’s e-newsletter Inside.

To take the training, go to the ICMA Members Only

site. Once you are logged in you will see a link at the

top navigation labeled Training. Click that link and you

will be directed to the CITE information page.

Need help enrolling your employees? Contact Michele

Giovine at [email protected] or call 1 (609) 799-4900.

inCITE news

This Month’s CITE Spotlight: Tiffany Milbrant, CARDSource

ICMA is excited to recognize our latest CITE certificate recipient, Tiffany Milbrant of CARDSource. Tiffany

successfully studied and passed the CITE exam earning a certificate of completion, showing she has

demonstrated sufficient knowledge of the card industry’s foundation, technologies and more.

Take the next step and enroll your employees today. Provide a solid foundation of knowledge in the pro-

cesses, technologies and history of the industry to help create a well-versed and well-qualified workforce.

This month’s CITE

excerpt: Section 6 — Materials Overview: Plastic Cards and the Polymers that Make Them

In the card industry, plastic bears a renowned reputation. No other

synthetic has engendered this level of flexibility and durability. Plastic

adheres to stringent standards set by the ISO Standards organization. It can be

molded, cut into many shapes and modified for use across multiple applications.

It is an optimal fabric especially for the plastic card market. Plastic can house

security features, accept unique personalization attributes and be modified to

various levels of cost effectiveness.

While it is the layering and lamination that configure a specific class of

plastic cards, it is also the type and quality of plastic used in the

construction that determines its true functionality.

http://www.icma.com



industry news

Government ID Market Saw ‘Flat’ Growth in 2014

A total of 454 million government ID

smart card credentials such as driver

licenses, healthcare, national ID cards,

and passports were issued in 2014,

resulting in flat year-over-year growth of

2.4 percent, according a new report by

ABI Research. Over the past two years

the government ID market has been slow

and sideward moving, reflecting short-

term expectations, added the research

group.

ABI Research notes that Russia and

Japan put on hold their respective smart

national ID card projects. France termi-

nated its planned smart driver license

until further notice and suspended

issuance of a new smart national ID

card, challenged by a local human rights

group. Brazil also suspended its national

ID card program with no resume date

announced. The government ID market,

for now at least, will continue its reliance

upon existing renewals with flat growth

likely to continue throughout 2015 and

into 2016. Although the short-term future

looks bleak, the on-going delays along-

side new projects currently outlined to

begin issuance in 2016 / 2017 could

provide a two-fold boost effect on future

market expectations.

Arizona Gets Extension to Meet REAL ID License Requirements

Arizona Department of Transportation

officials said the state has been given

extra time by the federal government to

develop a driver’s license that complies

with new federal security rules mandated

by the 2005 REAL ID Act, a move that

means state residents will likely be able

to continue using their current docu-

ments at airports and federal buildings

for five more years. The state now has

until April instead of January 1 to finish

the work needed to begin issuing the

more secure licenses and ID cards, the

Department of Transportation spokes-

man said. Once the state begins issuing

the documents, current non-compliant li-

censes will continue to be accepted until

2020. The U.S. Department of Homeland

Security could begin barring travelers

from states that aren’t complying with

the law as early as next year.

Arizona is behind the curve on imple-

menting REAL ID because of a 2008 law

that was signed by then-Govenor Janet

Napolitano that barred the state from

participating in the program. Napolitano,

a Democrat, called REAL ID an unfunded

federal mandate when she signed the

legislation. The new rules require states

to ensure the applicant’s identity and

citizenship when they issue the docu-

ments. That includes checking national

databases to ensure identities and using

tamper-proof license designs.

Contactless Bank Cards to Flood UK Says Visa

Speaking as the payments group un-

veiled its annual results, Peter Ayliffe,

chief executive of Visa Europe, said 2015

would be “the tipping point” when the

British consumer finally adopts the new

technology, which it hopes will replace

cash for small purchases. If the roll-out is

a success, Visa hopes to move contact-

less technology off cards and into mobile

phones. Visa cardholders in Europe used

their cards more but spent less last year.

The number of transactions rose 8.2

percent to 17 billion but the point of sale

spent per card fell 1.6 percent to €2,397

(£2,100). Growth was driven by debit

cards, which now account for 77 percent

of Visa Europe’s transactions. Online

purchases using Visa have doubled in the

past four years to account for 20 percent

of all spending with Christmas putting

in an exceptionally strong performance.

QR Codes Make Foundation of New Brazilian Payment Solution

A new partnership between Kiik and

Stone has been launched to draw the

use of a new mobile payments solution

based on QR codes, with the goal of

reaching over one thousand participat-

ing merchants before the close of 2015.

Merchants being pursued for the use of

this mobile payments solution are from

virtually every segment, including retail,

restaurants, and coffee shops, among

others. The virtual wallet will use QR

codes to help to make payments more

secure and to verify each transaction.

The mobile app will be called Kiik Stone,

and it will allow consumers to make

payments using their credit cards by way

of their smartphones, so that they won’t

necessarily have to have the plastic on

them at the time of a purchase. Instead,

when the transaction is completed

following the scanning of the quick

response codes, the receipt is simply

emailed to the consumer. When the bar-

code is scanned, the appropriate funds

are transferred through the Kiik system.

In order to facilitate the technology

integration, the partnership is based on

an open platform for the integration of

point of sale (POS) card machines. The

idea was to make the mobile payments

experience easily accessible and as con-

venient to implement as QR codes are to

scan. These transactions are designed to

be easy, seamless, and natural between

the shopper and the store.

Six Firms Chase Nepal ID Card Project

There are six international firms bidding

for an identity card project that is being

launched in Nepal, according to local

media. The National Identity Card Man-

agement Center (NICMC) of the ministry

said that an evaluation process of these

firms will begin that will take at least

one month to complete. Gemalto of

(France), IRIS Corporation (Malaysia),


Safran Morpho (France), Informatics

(Sri Lanka), Dermalog and Arjowiggins

of France are competing for the project,

reported eKantipur.com. In June, the

NICMC, under the Home Ministry had

called a global tender for procurement

and installation of hardware equipment

in the NICMC office and all project sites.

The winning bidder has 18 months to

procure and customise software for the

national identity system, deploy a hybrid

database for a nationwide national

identity management system, as well

as procurement of the national identity

smartcards and procurement, installa-

tion and operation of e-services for a

national identity management system.

The winner has to issue 110,000 cards as

a pilot project. The Asian Development

Bank has extended a loan of $8 million

USD for the project, and the rest will be

financed by the World Bank.

Card Fraud Damages Reach $16B

The losses from worldwide fraud on

credit cards, debit cards and prepaid

cards hit $16.31 billion last year on a

total card sales volume of $28.844 trillion,

The Nilson Report announced. The

publication, which covers the credit card

industry, found that fraud increased by 19

percent in 2014, while the overall volume

of card sales only grew by 15 percent, the

Credit Union Times reported. Counterfeit

fraud, card-not-present fraud, fraudulent

applications, card not received fraud, and

lost and stolen fraud were all contributors

to the data presented.

According to the latest issue of The

Nilson Report, fraud losses in the U.S.

increased to 12.75 cents for every $100

in volume annually. The U.S. alone ac-

counts for 48.2 percent of fraud losses

across the globe but only contributed

21.4 percent to the overall card sales

volume worldwide. EMV technology

provides the strongest protection against

card fraud from counterfeit cards which

made up 49 percent of the total card

fraud losses worldwide in 2014. Card

issuers in the U.S. were hit hard by

counterfeiting losses last year. The effects

of data breaches, which contributed to

millions of stolen card numbers and

cardholder identification information

being made widely available, was a

main driver of this particular type of card

fraud, Robertson said. Fraud is becoming

even harder to fight, with U.S. issuers

reportedly losing $3.89 billion last year

due to counterfeiting, which accounted

for 23.9 percent of global fraud losses.

http://www.icma.com

ICMA IS EXCITED TO ANNOUNCE THE CARD MANUFACTURER SEARCH FEATURE

ICMA’s new Card Manufacturer Search feature on www.icma.com allows businesses around the

world who are in need of cards to find your business! The search allows individuals to search

by a variety of fields such as company and product description, market segment, area accepting

business, personalization services, size of cards manufactured, added features, types of

substrates used and more, to find a company that fits their card manufacturing needs. Visit

www.icma.com to check out the search engine.

Haven’t updated your company’s profile? To fill out your profile please visit www.icma.com

and click the My ICMA/Log-In at the upper right side of the page. Contact Michele Giovine at

[email protected] for your unique log-in information if needed. The information you provide

on your company will be used in the new online Card Manufacturer Search page. Don’t miss out

on this great opportunity.


new members

PRINCIPAL MEMBER

Identity Systems, Inc. USAJohn Waldmanwww.identitysystemsinc.com

Identity Systems is a manufacturer

of custom name badges and signage,

producing products with a full range of

processes from screen print to digital

printing. Their customer base includes

major retailers in multiple countries. The

company operates from a 40,000 square

foot facility in the “Heart of Ohio,” and is

a certified Women Owned Business.

marketplace

“”

ACE-A: ARE YOU READY TO TAKE YOUR ACE CERTIFICATION TO THE NEXT LEVEL?ICMA is excited to announce the addition of ACE-A. ACE-A is the next step

for those looking to advance their card education and become accredited

in areas such as smart card manufacturing, RFID, and more. Watch in the

coming months for more information on this great new opportunity and

the announcement of upcoming testing dates.

http://www.icma.com

http://www.icma.com

http://www.icma.com


http://www.icma.com

http://www.identitysystemsinc.com

Barnes International .................................9

Cartes .....................................................28

Graph-Tech US .......................................23

Oasys Technologies ...............................19

Pittsburgh Embossing Services .............27

Sabic Innovative Plastics..........................2

index of advertisers

Sun Chemical ...........................................7

TMP, A Division of French .........................5

VFP Ink Technologies .............. Back Cover

© 2015 ICMA. All rights reserved. Reproduction without permission is prohibited. Printed in U.S.A.

OctoberSmart Card Alliance NFC Solutions Summit October 7-8, 2015

Phoenix, Arizona, USA

ICMA EuroForum October 8-9, 2015

Hilton Munich City

Munich, Germany

ICMA North American Workshop October 20-21, 2015

Renaissance Chicago O’Hare

Chicago, Illinois, USA

NovemberCARTES Paris November 17-19, 2015

Paris, France

AprilICMA EXPO co-located with the SCA Payments Summit April 4-7, 2016

Orlando, Florida, USA

2015


industry calendar

2016

To learn more, email [email protected] or call 1.609.799.4900. www.icma.com

ICMA EuroForumOctober 8-9, 2015 Hilton Munich City Munich, Germany

ICMA North American WorkshopOctober 20-21, 2015

Renaissance Chicago O’HareChicago, Illinois

• Regional knowledge solutions and innovative trends

• Powerful networking and information exchange opportunities

• Roundtable discussions

• Table top displays

• Product Showcase

• ACE certification training and examinations

2015

Registration Now Open! www.icma.com


http://www.icma.com

http://www.icma.com

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