Powered and Next-Generation Cards 2018





Introduction to Industry Session


This session is for the payment card and identity card ecosystem to explore how to work together on strategies to develop the market for next-generation cards. The intended audience is card manufacturers, card integrators, card component suppliers (inlay, secure element, biometric sensor, display module, Bluetooth interface, etc.), personalisation bureaus, manufacturing equipment suppliers, test and certification houses. International and domestic payment card schemes, as well as issuers, are welcome to participate.
Greg Pote, Chairman, APSCA


Developing the Market


Success factors for biometric cards
An overview of the status of the biometric card manufacturing business and what will need to happen for biometric cards to escape from their current niche and become mainstream products. The presentation will use case studies of some of the biometric card solutions that have been developed by the industry so far and explore both technical as well as commercial challenges that need to be addressed.
Thomas Decker, Vice President, Business Line Finance, Linxens


Manufacturing Technologies


Simplified manufacturing of touch and pay dual-interface cards
Cardholders may fear that stolen contactless payment cards can be used by thieves (correct) and/or that their payment account information might be skimmed through the card contactless interface (incorrect). Biometric dual-interface payment cards effectively address both these negative perceptions and contribute to a larger market for contactless payment cards. This presentation explains how card manufacturers can produce biometric contactless payment cards using the inductive coupling technology which eliminates the need for direct connections in the card body.
Vernon Heng, Sales Director Asia, Smart Packaging Solutions (SPS)


From a prototype to a production ready card – how to bridge the gap?
Industrialisation is essential to the success of any powered card. New disruptors, entering the card industry as well as existing card manufacturers expanding their product portfolio, face the same issues in taking a product from prototype to production. This presentation talks us through the process – from initial component selection, through to board design and software engineering, and on to flex manufacturers and assembly houses – and aims to offer guidance on how to avoid the common pitfalls in order to successfully industrialise a powered card product.
Ronen Shaul, Managing Director, RES Data Security




Standardisation Activities


World Standard Requirements for Biometric Cards
This presentation addresses relevant standards for biometric cards. It starts with taxonomy defining the architecture of a Biometric System-on-Card followed by a brief introduction of the standardisation bodies and working groups developing important inter-industry standards. The Biometric System-on-Card standard is explained in its parts and key requirements before pointing to other relevant standards and system level specifications. The presentation closes by highlighting some of the challenges that biometric card industry is facing in complying with specific standardised characteristics such as flexibility, power consumption and timing.
Dr. Robert Mueller, VP Biometric Solutions, NEXT Biometrics


Conclusions from the Industry Session


Discussion: Developing the Industry and Market
In this session stakeholders in the biometric card ecosystem explore how best to drive this new market and accelerate the growth of the business. Suggested subject areas include, but are not limited to, the following:

· Market education - benefits – all payment card issuers need to understand the value of biometric cards and their potential for customer acquisition, customer retention and delivering greater security for card payments. How can stakeholders effectively communicate the value proposition and benefits of biometric cards to issuers and the market?

· Market education - implementation and rollout – banks, retail payment companies and payment service providers need to understand the issues involved in rolling out biometric card products as these may be quite different from standard EMV bank payment cards. For example, how will biometric registration of customers be supported?

· Supply chain issues - issuers will need to be confident in a supply chain for biometric card solutions that can support multi-sourcing of reliable and durable products, and that has capacity for growth to meet market demand. Issuers are also likely to be interested in supporting personalization and biometric registration systems that are easy to integrate with existing issuing and IT systems.

· Developing industry best practices - stakeholders in the biometric cards business will always compete on product and service but the industry will need to explore how to cooperate to create a mature biometric card ecosystem that supports customers while facilitating the growth of this new market for next-generation cards. This might include standards compliance and certification of biometric card products.

The objective is to develop best practices for issuers and suppliers to work together in strategically driving this new market. Industry participants will need to cooperate while competing. Issuers and payment schemes will need to voice their requirements and recommendations to improve the delivery of biometric card solutions into the market.
Thomas Decker, Linxens
Vernon Heng, Smart Packaging Solutions (SPS)
Dr. Robert Mueller, NEXT Biometrics
Ronen Shaul, RES Data Security


Conclusions from the Industry Session


Closing remarks and next steps
Greg Pote, Chairman, APSCA



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