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Card Management

Cards are today a preferred method of payment worldwide. The growing number of debit, credit and prepaid cards, as well as specific loyalty related cross-market cards that join issuing banks and companies, supported by an acceptance network of POS, Kiosks and ATMs, especially for use in e-commerce, makes the banking institutions’ reality a highly complex one.

This complexity is associated with defining the segmentation of card products and the clients for each card type, along with managing the respective acceptance device fleet, card lifecycle management and offer profitability. In this light, institutions need solid solutions that ensure management and control of all these operations, supported by a real-time knowledge management over all business elements involved.

Benefits
  • For those responsible for information systems architecture and planning, our solution is based on technologies that follow the latest trends and incorporate modern and adaptive framework concepts so as to ensure resilience. Additionally, the modular structure guarantees the evolving integration of new demands, maintaining a common user interface to avoid ruptures in the utilization model;

  • For those in charge of Marketing, our solution supports integration of all types of card products, swiftly adapting to business rule specifics relating to pricing, client segmentation and distribution channel segmentation, which allows for business needs regarding new product launches to be accommodated with ease.

  • For those responsible for card operations, integrated management leads to efficient card lifecycle management, with several different players at the operational and commercial levels and with management information for decision making. With a workflow associated to processes, both efficiency and effectiveness in card product management activities are guaranteed.

Card system

A system structured into components for debit, credit, prepaid and loyalty cards management, with bonus systems;

Acceptance device management system

Integrated acceptance device management system with availability and performance control that keeps operational and financial information details, and also allows profitability simulations for each device according to a basic rules engine that adjusts to each organization;

Integrated card management system

This system is composed of an integrated back office aimed at technical users, card and commercial product managers, with additional features to parameterization and monitoring, which include reconciliation, management information dashboard and workflows for management processes.
Related Products

Card Switching Processing

An integration system according to specific credit card protocols, such as are Unicre/Portugal and Way4 models, as well as knowledge of specific debit card global models in the markets where we operate.

Private Acceptance Network

Client’s private self-service system, implementable in ATMs and Kiosks, for acceptance of client credit institution’s cards, with added features otherwise unavailable in each country’s or cross-country interbank service public networks, such as credit card networks VISA, Mastercard, China UnionPay, JCB and American Express, with or without EVM protocols.