Increase Efficiency Boost Growth Stay Ahead of the Curve

Increase Efficiency Boost Growth Stay Ahead of the Curve

3 Payments are going digital, contactless and mobile at a stunning pace. And while bank branches are still very much part of our urban landscape, the move towards ebanking and mbanking is accelerating. Simultaneously, all over the world, an increasing number of consumers, having grown up with internet and mobile phones, are digital natives and they expect their bank to follow. At Gemalto, we develop solutions designed for a secure and convenient consumer experience across all channels. Solutions that help our bank customers increase efficiency, boost growth and stay ahead of the consumer curve. We call this approach Gemalto for Banks.

4 5 Increase efficiency Efficiency enhances customer value. You are probably already on your way towards optimizing your branches and enhancing self-service channels, taking control of your revenue streams, lowering your exposure to risk, and protecting your margins in order to make your bank more profitable. Our solutions will help you make your business even more effective. We help your customers embrace self-service, streamline the ownership of card issuance and make sure personalization is optimized for each situation. And, while improving fraud prevention and risk management, we make sure both you and your customers save valuable time. With the new improvements in place, your customers will experience both better services and increased control.

6 7 5 efficiency increasers Card Companion Empower your customers! This smart phone app puts your cardholders in control of their card details; limits and insurances, areas of usage or PIN reminder. A simple way to decrease support time. Card Compiler Efficient artwork management made easy. Reduce new card design time from months into days. Provided by Gemalto company ServerSide. PIN by SMS As easy as it sounds, this solution helps you save up to 30% on your existing PIN mailer service. VMI Our Vendor Managed Inventory offer allows you to reduce the administrative burden and optimize cash flow management. We ll monitor your cards and collaterals stock levels and order the needed volumes. ezio Services Speed up your strong authentication deployment thanks to our refined 9-step service program, helping you save both time and money when developing new channels. Discover more efficiency increasers at www.gemalto.com

8 9 BOOST GROWTH Attract, activate and retain the right customers. As you transform your business, rethink branches, introduce new touch-points, work hard to treat each customer the right way and develop all-new services you need the right tools to make it happen. Gemalto offers solutions that boost growth by attracting and activating the right customers. We open up new channels to customer acquisition, enable new services and cooperations, support your customer segmentation, enhance self-service and reach out to new customer groups. These are solutions that empower your customers, that simplify and secure their lives. And that encourage them to engage with your brand.

10 11 5 growth boosters gemalto PrePaid service A full prepaid service offer that helps you leverage completely new acquisition channels, tapping into a segment of younger users who will prove to be your loyal customers of tomorrow. Ezio Suite Improve your digital channel offering by introducing the right level of security for each specific situation and segment. With our strong authentication in place you can boost loyalty and improve profitability in ebanking, mbanking and ecommerce. Dexxis Instant Issuance Instant in branch and in store card delivery have many benefits. Quick roll-out increases activation rates and develops new channels to acquire customers helped by affinity marketing or events with prepaid card issuance. All About Me This award-winning customized card design application, provided by Gemalto company ServerSide, allows cardholders to create their own personal cards online. Our tool also helps you tap into the important social and viral marketing channels by easily introducing ways for your customers to share their creations online. Virtual Portfolio By taking full advantage of ServerSide technology, our Virtual Portfolio offer allows banks to issue small batches of customized cards to cater to the ever-growing loyalty, gift and prepaid payment card market. Discover more growth boosters at www.gemalto.com

12 13 Build next-generation bank services Staying ahead of the consumer curve. Do you know what your customers will demand of you within the coming years? Do you have what it takes to move up the value chain? By expanding your bank offering, thinking outside of the box and introducing new digital and physical touch points you can achieve this. Today banks are being transformed, but the question is: into what? With a strong focus on research, and the development of new technologies, Gemalto has the solutions, and the technology, to help you stay ahead of the consumer curve. Strong security is one thing that makes the next big thing possible. A strong partnership is another.

14 15 5 FUTURE PROOFERS Gemalto Green Banking We have put together a bundle of products and services that all help improve your commitment towards the environment. Bio-sourced cards, carbon offset programs, PINbySMS and eco-friendly fulfillment and packaging options all help us move closer to a paperless society. Gemalto Consulting Services Take part of our dedicated workshops and training sessions hosted by digital security experts explaining and comparing the pros and cons of the latest innovations and trends in payment digitalization. Optelio Contactless Our leading range of dual interface contactless cards and innovative form factor solutions, including stickers and microsd, renews the payment experience with a userfriendly tap-and-go interface. Trusted Service Management Along with our range of Mobile Financial Services we provide a complete Digital Wallet offering, tying together banks and MNOs with our trusted service management offering. Your customers can use their mobile phone for all payments and day-to-day banking operations. With increased numbers of touch points, loyalty and upselling soars. Gemalto e-banking Security Xperience Our ESx initiative provides a dedicated, unbiased, source of information through websites, guides and dedicated seminars. Gain deeper insight in all aspects of ebanking security deployments, regardless of strategy, maturity or technology provider. Discover more future proofers at www.gemalto.com

16 17 Cards and payment. ebanking and ecommerce. The world of payment is changing fast. Consumers are demanding greater safety, convenience and choice. At the same time, banks want better security and more advanced and innovative platforms to create new revenue streams. Gemalto gives banks the opportunity to offer their customers new and exciting card designs, next generation dual interface contactless cards, gift cards and mobile payments. We also give issuers the means to easily combine different services, such as payment and public transport passes. With more than 20 specialized centers around the world, close to our customers and certified by Visa and MasterCard, we know what it takes to serve both global and local players. And when banks prefer to perform the personalization and issuance themselves, we support them with software and solutions. The wide range of flexible payment solutions simplifies everyday life of bank customers all over the world. Financial services are moving online with increasing speed and urgency, as customers demand more control, convenience and security. Online banking, using PCs, tablets and smart-phones is quickly becoming an important and natural part of our everyday lives. By reinforcing your ebanking offer, across all channels, your bank not only increase the loyalty and usage of your customer-base; you are also better armed to deal with any competitors and potential threats. This is crucial when under pressure from both newcomers in the financial services industry and the threats of organized online crime. Gemalto is the only truly global provider of ebanking authentication services. With our worldwide presence we serve our clients locally with a range of services, from consultancy and back-end authentication servers, to design, production, personalization, distribution and fulfillment. Online security is about people, and allowing them to prove their identity and conduct transactions conveniently online, at home and on the move with their privacy respected and secure from fraud.

18 19 CONSULTING services CARDS & PAYMENT artwork solutions ISSUANCE solutions post-issuance solutions Gemalto is ready to support you with our comprehensive range of solutions. EMV MIGRATION MOBILE NFC IMPLEMENTATIONS CHIP TECH TRAINING PROJECT MANAGEMENT & KNOWLEDGE TRANSFER EMV emv multi application ContactlesS (CARDS, STICKERS & MICRO SD) COUNTRY SPECIFIC WHITE LABEL solutions DISPLAY INTERFACE CARD BODY & FINISHING OPTIONS customized card design fast track card samples artwork development tool small batch SOLUTIONS PERSONALIZATION services secure PACKAGING & FULFILLMENT CENTRAL ISSUANCE INSTANT ISSUANCE DISTRIBUTED ISSUANCE PIN BY SMS INVENTORY MANAGEMENT cardholder assistance app mobile financial services trusted service management e-banking E-commerce corporate access security crm tools MOBILE PAYMENT MOBILE NFC MOBILE MONEY tsm for service providers strong authentication & transaction signing transaction signing 3d-secure solutions transaction signing connected solutions traders single sign-on corporate network access direct marketing on mobile MOBILE BANKING MOBILE ID certified SMS

Gemalto develops solutions designed for a secure and convenient consumer experience across all channels. Solutions that help banks all around the world to increase efficiency, boost growth and stay ahead of the consumer curve. We call this approach Gemalto for Banks. www.gemaltoforbanks.com www.gemalto.com