Next-Generation Cards 2019





Opening Remarks


The Growing Cards Business
Despite mobile payments excitement, cards continue to dominate consumer payments outside of China. Global payment card issuance continues to grow and the number of payment cards in circulation is predicted to rise to 17 billion1 by 2022, with card acceptance increasing by 40% to 85M merchant outlets2 by 2022, more than half of these in Asia Pacific. Global card expenditure is forecast3 to grow at an average of 10% per year between 2017 and 2023. A new era of card solutions will enable new benefits for payments and identity card schemes, systems and issuers.
Greg Pote, Chairman, APSCA


Market Outlook


Adding value to the cards business
The development of next-generation card solutions is adding value to the traditional payment and identity card business. Cards with greater security, more convenience and exciting new features are creating differentiated products that attract cardholders and benefit issuers. As well as delivering the next evolution in payment and identity cards, the increased value proposition justifies higher average selling prices (ASPs) for the card industry, reduces downward pressure on margins typical of legacy chip card products, and creates a foundation for a more sustainable cards business.


Refreshments, Networking, Expo


Biometric Cards - Payments


Mastercard biometric contactless card solutions
Customers are already familiar with biometrics and they enjoy the convenience of contactless payments. Mastercard provides an update on how they are combining contactless EMV technology with fingerprint biometrics in next-generation payment cards, to conveniently and safely verify the cardholder’s identity for in-store purchases while using existing EMV payment terminal infrastructure. Mastercard discusses their biometric card certification program as well as the business case for biometric contactless payment cards to address issuer pain points.
Nimit Gulati, VP - Authentication & Identity Solutions, Asia Pacific, Mastercard


Biometric Payment Cards: The One Touch Success Factor
It is common sense in the card industry that a convenient and trouble-free user experience will be decisive for the adoption of biometric payment cards on consumer side. The presentation discusses contributing factors to successful, repeatable and reliable fingerprint authentication. It also takes experiences from government and other large-scale high-security biometric programs into account to provide a comprehensive view on key enablers and potential roadblocks.
Angus Chiu, VP Sales Greater China, NEXT Biometrics


Presentation title to be advised


 DISCUSSION: Next Steps for Biometric Payment Cards 

In this session speakers take questions and discuss the current status of biometric payment card initiatives and how payment schemes, issuers and the industry are building a volume market for these new payment card products.

  • What have been the key outcomes and lessons learned from initial biometric payment card deployments and what issues still need to be addressed to create a mass-market for biometric payment card products?
  • What is the current status of payment card scheme specifications for biometric contact and contactless EMV card products? What does certification cover in the context of biometric payment cards?
  • What do issuers need to know about procuring and launching biometric contactless payment card products? Are there any changes required to issuing systems and on the merchant/acquiring side?
  • Based on deployments so far, what are successful go-to-market strategies for biometric payment cards? How will biometric contactless payment cards fit within an issuer’s existing payment card portfolio?




Biometric Cards - Identity


Biometric Smart Cards - the Game Changer for Financial Inclusion
Financial inclusion is a priority in many developing countries. Making financial services accessible at reasonable costs, to all individuals, including minorities, enables citizens to engage in the economy and broader society. This presentation discusses how biometric smart cards combine fingerprint identity verification with access to financial services to help ensure that government benefits are correctly distributed to those in financial need, while leveraging advances in sensors and matching algorithms to manage fingerprint degradation with age and wear.
Hunter Hu, VP for Sales, Asia Pacific, IDEX Biometrics


Biometric Enterprise ID Cards
The need to protect the security of personal information as well as logical and physical enterprise access is creating a market for a new generation of corporate identity cards. This presentation discusses two pioneering applications of biometric enterprise identity cards. The Woori Bank biometric card is a corporate credit card that also authenticates the user for public sector tendering and procurement processes. The UN One ID Project is a multi-function biometric enterprise identity card that can be used as a credit card and will eventually be deployed at all UN organisations globally.
Andy Cho, Team Manager, International Sales Team, Korea Smart Identification (KSID)


Presentation title to be advised


 DISCUSSION: The Outlook for Biometric Identity Cards 

Despite the above successes, the outlook for biometric cards in the identity sector is less clear than the proven opportunities in retail consumer payments. This session explores the potential business opportunities.

  • Government identity schemes store citizens’ biometrics in central databases as well as in the identity credential carried by the citizen - is this model incompatible with next-generation biometric smart cards?
  • At least one government consultant has pointed out that the initial enrolment of a single fingerprint in a biometric card would need to be verified - is there a model for such a verification process?
  • Biometric smart identity cards support a self-sovereign model of decentralised identity which, while aligned with data protection and privacy, is not yet widely deployed. What are likely to be the first opportunities?
  • The unbanked are often impoverished and engage in manual work which can be tough on fingerprints. Can a single fingerprint with limited unique data provide reliable verification for government services and benefits?


Refreshments, Networking, Expo


Biometric Cards - Customer Enrolment


Elevator pitches for self-enrolment devices
A simplified registration process for biometric cards will encourage adoption by both issuers and consumers. In this session, leading biometric card solutions providers make brief elevator pitches explaining the advantages of their self-enrolment solutions for biometric payment cards, before joining the following discussion on different approaches to registering customer fingerprint biometrics in cards and how to evaluate self-enrolment devices.


 DISCUSSION: Evaluating Remote Enrolment Solutions 

For biometric payment cards to become a mass-market product there must be simple, convenient and reliable solutions for enrolling customer fingerprints. Cardholder enrolment solutions will need to create a positive and frictionless experience that engages the customer from the first encounter with their biometric payment card. This session discusses the range of options for customer enrolment for biometric cards including, at a branch, at a payment terminal, using a mobile device and app, or using a self-enrolment device. How should issuers evaluate these options to select those that work best for their organisation and their customers? Enabling customers to enrol at home using a one-time self-enrolment device may be considered the ideal solution for biometric payment cards. But will this approach work for enrolling customers across different geographies, market segments and customer demographics?
Hunter Hu, VP for Sales, Asia Pacific, IDEX Biometrics
Nimit Gulati, VP - Authentication & Identity Solutions, Asia Pacific, Mastercard
Tom Rapkoch, Director, Global Chip Product, Visa


Close of day one

Gold Sponsors



Mounisse Chadli
Business Development Manager, APSCA
[email protected]
+86 156 1879 0417