Next-Generation Cards 2019





Market Outlook


The Growing Cards Business
Despite mobile payments excitement, cards continue to dominate consumer payments outside of China. Globally, issuance of cards for payment and identity applications continues to grow. 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. Despite the opportunity, there are still challenges which stakeholders will need to consider and address.
Greg Pote, Chairman, APSCA


Refreshments, Networking, Expo

Session 2

Biometric Payment Cards - 1


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


Biometric System on Card - Key Considerations
A leading manufacturer secure silicon for EMV payment cards and government identity document presents an overview of the market needs including customer acceptance in banking and ID segments, the technical requirements for next generation cards with biometric cardholder authentication, and what are the key challenges that the industry needs to address to reach mass production to create volume market for the new era of card solutions.
Annick Alligier, Banking and ID Marketing Manager, STMicroelectronics


 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 case study explains how biometric smart cards combine fingerprint identity verification with access to financial services to support financial inclusion in partnership with a social welfare agency, 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.
Jaekyum Myung, Department Manager, Sales Planning Department, Korea Smart Identification (KSID)


ISO Standardisation in the Area of Biometric Cards and PlugFest
There is interest from industry to have an independent investigation of BSoC performance (note: BSoC = biometric sensor on-card, a term used in ISO), in particular the effect of sensor size upon accuracy, a term used in ISO). The Singapore IT Standards Committee has organised PlugFest events in the past, and is offering to partner with industry partners to conduct this study. The event is planned for 2020.
Lin Yih, Director, Digital Applied Research and Technology


 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
Rajat Maheshwari, Vice President, Enterprise Security Solutions, Asia Pacific, Mastercard
Tom Rapkoch, Director, Global Seller Solutions, Visa
Patrice Meilland, SVP Powered Cards, Financial Institution Business Unit, IDEMIA
Greg Pote, Chairman, APSCA


Close of day one

Gold Sponsors



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