The Offi cial Publication of the International Card Manufacturers Association
October 2019 Volume 29 • No. 5
Card Design Creativity
Packaging as a Powerful Marketing Tool, Personal Billboard
Packaging: It’s All About the Brand
Metal Premium Credit Cards Gain Market Share Around World
Thank You for Attending CardTREX North America!
founder /executive director
is published by CMA for ICMA. Please submit all articles, news releases Collaborate for New Growth in Our Industry and advertising to: | By Jeffrey E. Barnhart CARD MANUFACTURING™ C/O: CMA 191 Clarksville Road Card creativity and card packaging design have evolved. Designers are Princeton Junction, now expected to bring big ideas to the table that will provide card users New Jersey 08550 USA with an impressive and broader experience, particularly in connection with the card issuer’s brand. Founder/Executive Director Jeffrey E. Barnhart It’s time for issuers to see cards and their packaging as new doors to unlock to distinguish [email protected] their brands, and it’s time to see designers as those with the keys to open those doors to new, Association Manager everyday brand touchpoints. Card and card packaging designers see a change taking place in Lynn McCullough [email protected] the industry toward developing better working relationships with each other to better serve
Managing Editor their clients, and would prefer working together to be more of the norm than the exception. Jennifer Kohlhepp [email protected] As A-to-A Studios Creative Director Adam Wahler states in the article on page 18, “Creating
Communications Manager a team of industrial designers, material experts and smaller secure manufacturers will be Anna Lopez-Cifelli the new normal. Operating in a leaner scenario gives us the opportunity to work closely in a [email protected] hands-on environment with like-minded issuers and manufacturers.” Marketing Manager Kelsey Tweedly ICMA gives member companies big and small the opportunity to network and develop strong Membership Coordinator working relationships at our annual ICMA EXPO, and we encourage you to connect with like- Nicole Lauzon [email protected] minded card industry professionals there to bring added value to your company’s offerings.
Project/Advertising Sales Manager Join your industry peers at our next EXPO, Historic Success, Embracing the Future, from Diane Webster-Sweeney [email protected] March 29 to April 1, 2020 at the Saddlebrook Resort in Tampa, Florida. For more information and to register, visit ICMAEXPO.com. It’s time to open doors, collaborate and embrace new Public Relations Director Ken Hitchner growth in our industry!
Public Relations Manager Kimberly Tjoumakaris [email protected]
Social Media Specialist from the ICMA staff Kelly Potts
Creative Director Dave Sherwood Enhance Your Engagement in ICMA
Founder Emeritus/Industry Advisor | By Kelly Potts Albert J. Vrancart [email protected] Social media is a dynamic vehicle for communication. ICMA maintains
TELEPHONE three social media channels where you can learn about association, 1-609-799-4900 member and industry news in real-time; fi nd answers to questions about WEBSITE ICMA and read content relative and helpful to your card industry business. ICMA.com We share industry articles from outside sources but more importantly, our E-MAIL [email protected] weekly updates include ICMA blog posts, Card Manufacturing magazine articles, upcoming events and webinars, as well as information about ICMA training opportunities, membership benefi ts and the Élan Awards of Excellence.
• Stay up-to-date on the latest ICMA news and blog posts, member updates and industry trends with us on Twitter @ICMATweets. Card Manufacturing™ publishes information for the benefit of its • Don’t miss out on upcoming webinars, events and more from ICMA by following us on members and readers. The sponsor, International Card Manufacturers LinkedIn @International Card Manufacturers Association. Association (ICMA), the publisher and the editors of Card Manufacturing™ • Tune in to the latest updates from ICMA headquarters and member company updates on cannot be held liable for changes, Facebook @ICMAGlobal. revisions or inaccuracies contained in the material published. For more Like, tag, share and comment but most of all come enhance your membership in the ICMA detailed information on the products, programs, services or policies community by joining us on our social media channels today. covered in Card Manufacturing™, it is recommended readers contact the appropriate person, company, agency or industry group.
ICMA.com 3 contents
VOLUME 29 • NUMBER 5
OCTOBER 2019 ICMA.com 6 8 22
RECURRING SECTIONS FEATURES 3 Founder/Executive Card Design Creativity Packaging: It’s All About 6 12the Brand Director’s Message The door is open for creative solutions that will “bind” the card to the card- Card Packaging has been evolving holder, thus providing the issuer with of late as issuers realize their brand 14 EXPO News an improved “top of wallet” usage. story is unfolding across all customer touch points. | By David Tushie, Magellen Consulting, ICMA 26 CardTrex Update Standards and Technical Representative | By Jennifer Kohlhepp, ICMA, Managing Editor
Packaging: A Powerful Marketing Metal Premium Credit 28 Industry News 8 Tool, Personal Billboard 22Cards Gain Market Share Around World Packaging gives brands the potential 29 ACE News to reach far beyond their own sphere Many issuers have launched metal of infl uence. card programs after taking note of the marketplace for prestigious | By Dane Whitehurst, Burgopak Ltd., products and the potential for 30 Member Creative Director & Product News expanding its affluent market. | By Jon Wilk, CompoSecure LLC, CEO
THE SPOTLIGHT IS ON ICMA’S DIAMOND, PLATINUM AND GOLD MEMBERS These suppliers have committed to the highest level of support to ICMA activities in 2019. Diamond Level
Platinum Level
COVER STORY Gold Level 18 Designers’ New Medium: The Human Experience Card design has evolved from the use of colorful graphics for visual appeal to creating an overall aesthetic and feel that provides the user with an impressive experience.
| By Jennifer Kohlhepp, ICMA, Managing Editor
4 CARD MANUFACTURING | OCTOBER 2019 contents industry standards
CARD DESIGN CREATIVITY
David Tushie – Magellan Consulting, Inc., ICMA Standards and Technical Representative
Creativity, as some have defined it, is The door was open to creative solutions of marketing changes including print the act of turning new and imaginative that would enhance “binding” the card location flexibility for landscape ori- ideas into reality. Creativity is charac- to the cardholder and thus providing entation cards. Lessons learned from terized by the ability to perceive the the issuer with an improved position in gift card marketing may be useful in world in new ways, to find hidden the greatly desired “top of wallet” card having the card design sell itself to patterns, to make connections between usage. Metal cards were one answer the cardholder in the ballot for usage seemingly unrelated phenomena and to this binding objective. Card manu- preference in the wallet. to generate solutions. facturers invested millions of dollars Another area open for a creative in new production equipment and In the early years of financial transaction solution is stronger, secure cardholder processes that were required to manu- cards, manufacturers held creativity authentication. Is the person presenting facture these cards in volume. While in check as the brands defined the the card the rightful owner of the metal cards will never be a universal “standard” card parameters that were account? Fingerprints and facial im- solution, other paths to improving the permitted for use on their cards. These ages are the two leading technologies card-to-issuer relationship have been parameters were developed in their offering solutions to this approved and implemented. Adding laboratories and ratified and published an alternative card image orientation by the ANSI/INCITS and ISO Standards from landscape to portrait enables committees. The type and location improved cardholder readability for of cardholder data for instance was online and other “card-not-present” specified for uniformity and machine transactions. To make this readability, not for any marketing happen, card personal- advantage. Everyone was happy with ization printing must this arrangement and there were no move from emboss- problems that required a creative solu- ing to flat card tion. Then along came gift cards. For printing. Once a the first time, a card and its packaging card manu- material had to not just provide access facturer has to funds, but to sell themselves directly flat card off the J-hook in a retail marketplace. digital Card marketing was promoted to the printing, it driver’s seat making changes in the look can em- and feel of the product. For every idea brace all that proposed a better marketing solu- manners tion, the question came back, why not?
6 CARD MANUFACTURING | OCTOBER 2019 issue. Work being done by smartphone have access to sufficient power to Under the right set of circumstances, CARD DESIGN CREATIVITY manufacturers can speed up the complete the secure transaction. This it can also provide overt identification. development of these opportunities. is a rather simple problem for contact Any market that promises huge Different from the smartphone applica- chip cards that will be powered by the volumes attracts attention, and tion, a card-based solution requires application’s terminal. However, for serious attention can be projected to the sensors to physically fit within the financial cards the emphasis for new facial recognition technology. Face ID body of the standard card. Several technology cards is contactless or radio technology from a major smartphone years ago, fingerprint sensors were too frequency (RF) cards. All contactless manufacturer is available in its latest thick to fit within the body of the ID-1 cards get their operating power by models. Converting this technology card. To accommodate this physical converting the RF signal power to DC into a chip set that can be mounted limitation, the ISO Standards commit- in the card. To assess the potential for within the physicality of an ID-1 card tees generated a new standard and success in adding fingerprint authen- is a challenge. Can facial recognition labeled the card an ID-T card. As this tication to the contactless transaction provide the benefits of superior conve- new standard was going through the workload, we need to look at trends nience, excellent security, psychologi- standards process, engineers were in semiconductor technology. Chips cal importance of having something working to reduce the required thick- are constantly getting smaller, faster, new and an elimination of transaction ness of the fingerprint sensor. Soon, lower power; namely all the param- denials, at an affordable price, to get secure cardholder authentication will eters we need to succeed. the support sufficient to develop the be generally available with standard complete product? If Face ID is suc- For fingerprint technology, we now thickness cards using fingerprint cessful in other consumer applications, have the capability to power the sensor technology. it may be just a short step to finding from the RF field and no additional it in your wallet authenticating your Once we have the chip within the card, battery is required. This will greatly transactions, similar to what we have the next hurdle for universal technology accelerate the adoption of this technol- seen with fingerprint technology. acceptance is the need for ogy for cardholder authentication as the card to contactless cards gain traction world- Constant changes in card materials, wide. Eventually, such chip and power functionality, graphic elements, per- advances will enable further electronic sonalization and brand requirements capability in plastic cards. are just some of the challenges card manufacturers can expect. Creative Facial recognition is solutions in design and manufacturing another cardholder will continue to address these chal- authentication lenges. technology.
About the Author: ICMA Standards and Technical Representative David Tushie has had a long and continuing career in the card industry working for international companies such as Data- card, UbiQ and NBS Technologies. He has master’s degrees in engineering and business, holds U.S. and interna- tional patents in measurement and card issuance systems and has had several years of involvement with the ANSI, IN- CITS and ISO standards process. ICMA is represented at six ISO and ANSI standards meetings through his stan- dards role within the association.
ICMA.com 7 feature story
Dane Whitehurst – Creative Director, Burgopak Ltd.
CARD PACKAGING: A POWERFUL MARKETING TOOL AND PERSONAL BILLBOARD FOR THE INFLUENCER IN US ALL
8 CARD MANUFACTURING | OCTOBER 2019 In the world of digital banking where so many aspects have and based on choice (we choose who we follow and what become less tangible, the physical card and its packaging we search for) and this helps us to retain a sense of control; have become important vehicles not only for physical we continue to consume but we feel less like one customer engagement but for cementing brand values and welcoming amongst many and more like an individual within a person- people into the fold. ally curated community.
In this industry, the plastic card isn’t just a bank card, it’s a Customer experience has become the single most important membership card and in the absence of a handshake the focus for digital banks. Huge amounts of time, energy and way it is presented through its packaging fundamentally investment have been poured into optimizing digital apps, defines the first, “Hello, welcome to the club.” activation, support services and card distribution. Packaging is no different and setting the right tone, delivering snappy Packaging gives digital banks a physical presence and has information and delivering a phenomenal brand experience the potential to elicit a memorable tactile touchpoint is paramount. in retail, in the home and in wider social and industry communities. The return on investment for the time, energy Opening mechanisms that delight, inform and elicit a true and perhaps a little extra cost that goes into developing “wow factor” have become very popular in this space. Our stand-out packaging is in cementing the brand values of telescopic format has received a lot of interest recently and predominantly digital service providers in the real world. our new “Optimised” range, based on our iconic formats but tweaked for high-volume production/fulfillment; cost- Packaging has also become a powerful marketing tool, a effective postage and reduced material; water and energy personal billboard for the influencer in us all. We all seem consumption, has received a very warm reception by brands driven to share the things we find most beautiful and that are ready to scale-up their operations. packaging gives brands the potential to reach far beyond their own sphere of Some brands influence. In a world are choosing to where advertising differentiate by is almost inescap- flipping things able, the result is on their head. still mass exposure We are seeing a but in a way that number of cards feels more subtle coming through
continued on page 10
Burgopak won an ICMA Élan Award of Excellence for Best Personalization and Fulfillment Product, Service or Project this year for the MCO Vista Metal by Crypto.com manufactured for Crypto.com.
ICMA.com 9 feature story
Card Packaging, continued from page 9
with portrait artwork and with as much of the personalized doesn’t catch and snag in the post are all small but critical information on the back of the card. This allows for an design considerations. ultra-clean front face, dedicated entirely to brand. We have For me, materials and equipment have never been the been working on a number of formats that reinforce these limiting factors in creating unique packaging within any bold brand statements. For example, our revolver design sector. Sure, it helps, but to me it’s more about imagination has the card orientated in landscape mode while the pack is and budget. Happily, Fintechs seem to be full of people with closed and then when the pack is opened it rotates the card incredible vision, people who are determined to develop through 90 degrees to frame it in portrait. something new, to innovate and investigate in such impor- Card security is very much a part of card packaging design. tant brand touch-points. The popularity of challenger banks The main area of consideration is around ensuring cards has also helped to fuel creativity with high-volume orders and the information they contain remain secure through the driving down cost prices and making unique/creative postal system. In fact, one of Burgopak’s most recent internal packaging more commercially viable. projects has been focused on integrating secure postal features into our range of packaging solutions to improve supply-chain efficiencies and drive down costs. This means About the Author: Dane Whitehurst has worked in the packaging design industry for more than 12 years and comes you get the benefits to brand and customer with “value add” from a background in product and industrial design. He is the packaging but also the benefits of a lower-cost, scalable creative director at Burgopak and Duallok and writes, teaches solution for higher-volumes. and talks internationally about creative design. With a unique lens on the present and near future of this rapidly evolving Other seemingly small details are also very important when space, his design team at Burgopak works with brands to nur- it comes to the design, like ensuring a card could never be ture not only individuality within the crowded fintech space but seen through a window in the mailer, or finding the correct also to influence the industry as a whole. They have helped to balance in external brand elements on the outer mailer/ realign customer expectations on the way payment cards are envelope, or nailing the tear-strip so that it opens nicely but presented and in doing so have redefined their perceived value.
10 CARD MANUFACTURING | OCTOBER 2019
feature story
CARD PACKAGING: IT’S ALL ABOUT THE BRAND Jennifer Kohlhepp – ICMA, Managing Editor
12 CARD MANUFACTURING | OCTOBER 2019 Card packaging is often thought of in marketing standpoint, it should all be that guards against skimming and the traditional sense—to make sure the considered as one,” Kraus said. “I think unauthorized access of contactless card is protected in transit and on if you asked the marketing department cards.” display, and also shielded from theft what they would like to see, I believe Innovative card design elements don’t and fraud. However, the use of card they would overwhelmingly want a necessarily have to come with the packaging has been evolving as issuers unified view of the card and packaging cost of purchasing new equipment. realize their brand is a story unfolding experience. Brands may be missing Accessories can be added to equipment across all customer touch points. out on simple creative options to make already in-house and there are many them stand out from their competition.” Whether the issuer is a small retailer, ways to get current equipment “to do hotel chain, amusement park or secure “Many issuers today want the design new tricks” by using different materials institution, those issuing gift cards, of their cards and packaging to connect and being inventive. Packaging com- access control cards, ID cards, mem- with what their brand looks like online. panies are always discovering different bership cards, security badges and the Issuers want card users to experience gluing, folding, embossing and die-cut like are all realizing their cards and an extension of their brand when techniques, as well as new ways to card packaging are extensions of their using their cards and they want that present a card issuer’s information on company’s branding and they want to experience to be unique. We’re using the card packaging. “Customers have impress their users. embossing, debossing, foil and lots always come to us for unique things of uses of unique stocks,” Kraus said. they can’t do,” said Dave Young, vice “The packaging is very often the first “Depending on the brand, it can range president of sales, Information Packag- impression. Being involved up front, from a bright neon stock for Nike, to ing. “We brainstorm with them and test knowing what the goals are and a bit something far more subtle or elegant things until we get it just right.” about the competitive space, allows like packaging for Bryan Anthony. us to share options that you may not “It’s all about that first impression. We Simplicity is a big trend. But that doesn’t know exist,” Kristin Kraus, marketing work hard to make the final product mean they are not thinking through manager, Information Packaging, said. stand out,” Kraus said. “We look at the details. They’re crafting a clean “With so many years in the industry, what’s important to the audience and uncluttered look that connects with there are a lot of firsts. Why not engage make sure we know the demographic. their brand.” suppliers directly to take advantage It’s those little details that will delight of that expertise? You end up with a Despite the current emphasis on and surprise—or reassure—and carry much happier client, create a unified carrying issuers’ brands throughout that through the packaging.” impression and can deliver something card packaging design, card packaging Kraus hopes the trend toward that looks more valuable than it costs. companies still maintain a steadfast manufacturers and packaging suppliers We continue to innovate—that’s the focus on providing card security working together gains more steam. fun part.” and protection. “As a marketer, I can’t fathom not When card manufacturers and card “Major security organizations continue looking at this as a unified package,” packaging providers work together to to keep a close eye on card security and she said. “We really want to make sure create customer confidence, customers skimming,” Kraus said, adding “that’s the customer hears all of the great, realize they can add value by connecting why we developed ArmorShield®, a creative options available to them.” the packaging to the product. “From a proprietary alloy-based Tyvek® material
ICMA.com 13 EXPO news
ICMA will celebrate a major milestone in 2020— • Technical Standards Representation and Reports from our 30th anniversary! David Tushie
The theme for our 2020 EXPO is Historical Success, • Advanced Card Education training and exams in manufac- Embracing the Future, which pays homage to ICMA’s past turing, personalization and advanced technologies and sets the stage for what’s to come. The EXPO will take • The Card Industry Training & Education Program place March 29-April 1 at the Saddlebrook Resort in Tampa, • A monthly e-newsletter with association and Florida, and will feature numerous educational sessions and ISO/ANSI standards updates networking opportunities, the Élan Awards of Excellence ceremony and dinner and so much more. • A weekly e-newsletter featuring member and ICMA Member Benefits card industry news • Webinars, webcasts and web-based article and Just as the card industry has evolved since ICMA was estab- presentation archives lished in 1990, so has our association. ICMA responds to change by continually enhancing our membership benefits. • Lead generation via our online Member Directory
ICMA was founded to provide members with a resource for • Speaking opportunities during our EXPO and card industry education and networking. Within the first 10 CardTREX events years of the association’s existence, we held our first EXPO • Free publicity for member news in ICMA’s magazine in Orlando, Florida; started publishing Card Manufacturing and InBrief e-newsletter magazine; kicked off the North American and European ICMA members also receive substantial discounts to attend workshops (that later became CardTREX North America and or exhibit at our annual EXPO, which is the world’s only CardTREX Europe); launched ICMA.com; and established the transaction card-focused event. Attended by people from Élan Awards of Excellence. more than 40 countries worldwide, the EXPO is an interna- Now, it’s 20 years later and the list of member benefits has tional forum for leading card manufacturers, personalizers, grown to include: suppliers, issuers and other card industry representatives.
• Free Global Market and Personalization Statistics Reports Stay tuned to ICMAEXPO.com for more EXPO details and early registration discounts.
14 CARD MANUFACTURING | OCTOBER 2019 CONTRIBUTE TO ICMA’S 2020 EXPO
ICMA’s 2020 EXPO will showcase new and exciting Align your organization with this premier industry event ways to apply science, engineering, tools, methods and while boosting brand awareness by sponsoring a key knowledge to the development of materials, equipment, element of the EXPO. Sponsorships are available for a products and services that will guide the transaction wide range of budgets and include, but are not limited card industry into the future. Share your expertise and to bags, lanyards, program advertising, the event deliver a presentation at the event. Email an abstract to app, educational sessions, breaks and meals. Email [email protected] for consideration. [email protected] with sponsorship inquiries.
Strengthen your business by showcasing your product We look forward to having you contribute to our big or service at the EXPO. Submit an exhibitor contract as 30th anniversary event! Remember to stay tuned to soon as possible to ensure a premium location on the ICMAEXPO.com for more EXPO details and early exhibition floor. Booth spaces are chosen in the order registration discounts. contracts are received and they are filling up fast as shown on the floor plan on the next page. Contact Diane Webster-Sweeney at [email protected] to reserve your booth today.
ICMA.com 15 EXPO news
To help commemorate the 30-year history of our association in 2020, ICMA is seeking photos (like the ones above of scenes from past ICMA EXPOS) to use at the 2020 ICMA EXPO.
125 224 225 324 325 424 BG Information Otto SDI China Burkle Folienwerk Ingenierie Packaging Kunnecke 123 222 223 322 323 422
121 220 221 320 321 420 Atlantic Zeiser 119 218 219 318 319 418 XCC RFID
117 216 217 316 317 416 Klockner Boyuan Gans Ink
115 215 315 Advanced Card Barnes Muhlbauer Systems
111 210 211 310 BioSmart Anomatic Oasys VFP Ink
109 208 209 308 Ubivelox Cardmatix Superior OpSec Tape/Label 107 206 207 306 Apollo Tianyu Card SICPA Colours Testing SecurInk 204 205 304 Sun Rowland GraphTech Chemical Technologies 202 203 302 SPS Bilcare Matica
200 201 Pittsburgh Q-Card Embossing
ENTRANCE
16 CARD MANUFACTURING | OCTOBER 2019 Check out our exhibitors: tele-marines, trade gothic lh extended bold 107 109 111 115 117 119 121
123 125 200 201 202 203 204
205 206 207 208 209 210 211
Card & RFID Automation 215 216 217 218 219 220 221
222 223 224 225 302 304 306
308 310 315 316 317 318 319
320 321 322 323 324 325 416
418 420 422 424
ICMA.com 17 cover story
DESIGNERS’ NEW MEDIUM: THE HUMAN EXPERIENCE By Jennifer Kohlhepp – Managing Editor, ICMA
18 CARD MANUFACTURING | OCTOBER 2019 Card design has evolved from the use of colorful graphics for visual appeal to creating an overall aesthetic and feel that provides the user with an impressive experience. Card design is also a matter of balancing form and function in a product, which requires creativity to highlight aesthetic without losing the true functionality of the product.
First impressions, particularly with payment cards, matter Currently, there is a cresting metal card trend in the to card users and a card’s design has to immediately set it payment card marketplace, due in large part to the recent apart from competitors to gain and maintain top-of-wallet introduction of the Titanium Apple Card. Ojeda said that positioning. this trend has also created a desire for cards “that stand out from the metal cards, the ones that really sound like “How we think about design will distinguish us from our metal…not just heavy cards with a plastic feel.” competition,” Adam S. Wahler, creative director, A to A Studio Solutions Ltd. said. “Design is an overlooked Wahler said that while everyone is scrambling to do metal but extremely important element in payments. Design and debating whether their card should weigh 13, 16, 18 determines how we interact and experience products and grams or more, he is already working on developing new services, what we buy and how we pay. Design communi- constructions with different materials. cates the value of a product. Design opens a dialogue with “We’re thinking 3-5 years down the road, not the road we the consumer. Design can grow our customer base. Design have already travelled,” Wahler said. “Plastic card manu- can help innovate effi ciently.” facturers specialize in plastics. New manufacturers such When issuers work with card designers, they want to know as Federal Card Services have a background in metals, about the hottest card designs in the marketplace. “This is their compositions and machining. This enables them to a question that most of the banks ask all of the time, and tackle more complex constructions, which will be innova- I would answer that the most innovative designs are those tive once they are approved and in market. The traditional that disrupt the market; the ones with an effective cam- manufacturers have to pivot, install new equipment and paign that change trends,” Jorge Ojeda, creative director, adapt to the nuances of metal cards, many times with ABCorp, said. “They also want non-standard cards, and deleterious effects. They see this ability to use years of when I said non-standards cards, I mean non-compliant, knowledge in manufacturing and port it over to the card beyond the ISO specs, cards, for example they want different space. They have even gone to the point of joining ICMA. material, different texture and feel and different layout New members who have worked in this space bring knowl- than the rest.” edge that is often missed by suppliers who have lived and breathed PVC for years (hopefully not the fumes!).” When Wahler checks the pulse of design trends in the marketplace, he feels issuers want “simplicity, solid color The metal card trend is not the only disruptor for creative background and understated logo treatments—think N26, directors and manufacturers trying to maintain high-quality Revolut, Venmo and HyundaiCard.” card design. They also have to make accommodations for
continued on page 20
ICMA.com 19 cover story
Designers’ New Medium, continued from page 19
the increased use to an unsuccess- of electronics in the ful conclusion. card body. When I questioned this with a major “There will always be alternative ways to print and produce issuer, their response was we’re already on a path and have a card with electronics in the card body, the main factor is sunk substantial money into the project, it’s too late to the price of a card with electronics inside that will take most change suppliers.” of their price value,” Ojeda said. “Therefore, special treatments are jeopardized by the price of these components.” Designers’ creativity is also impacted evolving security elements that protect cards from fraud and theft. When it Wahler said card manufacturers already have enough quality comes to designing around secure card features, Wahler issues. “The increased use of electronics alters the said, “Understanding how and what is necessary is im- construction of the card, but the basics of litho and silkscreen portant. I need to explain constantly that certain elements printing have been issues for years,” he said. “Of late, there cannot be moved and have technical limitations. This is has been an increase in delamination, chips popping out not to say we are not working on redesigning or proposing of the cavities and excessive showing of wear. My biggest modifi cations of the current ‘secure’ element.” problem is the lack of transparency and urgency in the manufacturing process. If you can’t do something, be honest As card manufacturing evolves, new materials and equipment and say you can’t. Do not take on a project and drag it out are available to make it easier for manufacturers to produce
20 CARD MANUFACTURING | OCTOBER 2019 unique designs. According to Ojeda, these include “digital Ojeda added that the marketplace is flooded with product presses, higher-resolution printing capabilities, laser designs in which aesthetics are imposed on functionality. engraving, multiple simultaneous passes, adhesion “We see wristwatches where you can barely make out the capabilities and non-conventional printing capabilities.” hands, but the design is ‘cool,’” Ojeda said. “Or, we discover products that are works of art, but for which we have not Wahler wanted to discuss the latest card industry innova- the slightest idea of how they work without a manual that is tions affecting card design to “help separate my studio thick as the Bible. The same applies to card design, especially and make my supply chain stand apart from the current the design of identification cards, in which we impose the manufacturers.” He started out by saying, “everyone’s high highest of standards relating to security and forget that opinion of the new Apple Card differs greatly from mine.” customized information must be legible.” “As I always say, I am here to create beautiful objects, not As for the state of card design in the card manufacturing commodities,” Wahler said. “The commoditization of metal industry and remedying weak design trends, Wahler cards has created a culture of followers. If everyone is doing said, “Creating a team of industrial designers, material it, we should too. Bad answer.” experts and smaller secure manufacturers will be the Another design trend Wahler finds annoying is “already new normal. Operating in a leaner scenario gives us the having issues with the finish of the card wearing off and opportunity to work closely in a hands-on environment getting dirty to the point they have specific instructions on with likeminded issuers and manufacturers. Innovation is how to clean the card.” not inconvenient.”
continued on page 20
ICMA.com 21 feature story
METAL PREMIUM CREDIT CARDS CONTINUE TO GAIN MARKET SHARE AROUND THE WORLD Jon Wilk – CompoSecure LLC, CEO and President
22 CARD MANUFACTURING | OCTOBER 2019 METAL PREMIUM CREDIT CARDS Today’s consumers want to differentiate themselves and be elevated to an “elite” status, wanting to CONTINUE TO GAIN MARKET SHARE create associations with their premium products. This premiumization has grown over the past decade as consumers are increasingly drawn to brands that exemplify quality or rarity. This can be seen across AROUND THE WORLD a variety of products including everyday items such as coffee and spirits—think Starbucks, craft beer and small batch whiskeys. Items deemed artisanal, bespoke or gourmet are in demand.
Consumers select premium items as World Bank, global growth is expected is familiar with metal cards with only a means to validate status and as a to increase to 2.8% by 2021, assuming 56% unaware of metal cards. However, tangible communication of that status financing conditions continue to many untapped regions have tremen- to others. A widely-recognized example be strong. dous growth potential due to lack of is the evolution of premium coffees, Rapid Expansion of Metal Cards awareness: Poland (82%), Germany in terms of both brands as well as the (81%), Australia (81%), Canada (79%), coffee experience. Starbucks capital- This premiumization trend has now Italy (75%), Brazil (73%), Mexico (72%), ized on this trend with tremendous moved into credit cards as a way to France (71%), Turkey (70%) and UK success. The National Coffee Associa- differentiate credit card offers for (68%). Card issuers can use metal tion reports that approximately 59% of consumers. Financial institutions cards as part of their strong rewards coffee consumed in the United States began offering metal and metal hybrid and benefits package to differentiate is classified as gourmet with younger credit cards after taking note of the their brand and capture the market consumers, under 35, driving the marketplace for prestige products and segments clamoring for a premium or growth in coffee shop consumption. the potential for expanding its affluent prestige product. This is particularly According to a Nielsen report, high- market. These issuers provide a stylish true for businesses seeking to attract end spirits now account for 62% of metal card to their select, top-tier cli- and retain millennial customers. ents. Metal cards have gained notoriety sales in the United States, while more Metal Cards Capture Status-Conscious with demand sometimes outpacing sophisticated tequila is outselling Consumers standard tequila in Mexico, according supplies, according to Bloomberg. to the Tequila Regulatory Council. Many issuers have launched metal Representing an essential demographic, Consumers now seek out the next level card programs, starting in the United 24% of millennials in the United States of elite product, since premium brands States and now showing strong growth view their credit cards as a status have become the norm, propelling a potential internationally. symbol, according to a survey from LendEDU. This is a salient point for movement to super-premium brands. Metal cards instill the attributes gener- card issuers because design and style A continued upswing in demand for ally associated with premium products are of ever-increasing importance to premium products is expected as such as high quality, superior design enhance the perceived status. As a more than 3 billion people—more than and style, all from a trusted brand. Harris study found, millennials have a 40% of the world’s population—are Today, metal credit cards are still in propensity for social experiences and anticipated to enjoy a growing level the early stages of adoption. According spend more freely than other genera- of disposable income. This explosive to a recent Edgar Dunn & Co. survey tions; this reinforces the interest in the growth in consumer spending power that was commissioned by CompoS- attention garnered from a status card will reshape the economy and drive ecure, 66% of consumers globally in social situations. social transformation with the middle were unaware of metal credit cards, class and rising affluent consumer an information void that presents an According to the National Bureau of accounting for more than one-third of extraordinary opportunity. The United Economic Research (NBER), status the global economy. According to The States was one of the top markets that credit cards are more likely to be continued on page 24
ICMA.com 23 feature story
Metal Premium Credit Cards, continued from page 23
selected if benefits are identical. This and plastic, 65% would select the metal attention because it is one of the is one of the findings from an experi- card presuming equal benefits and re- largest segments of the population. mental program coordinated with a wards. This demand is high across all An Oracle study predicts that millen- large issuer that offered a platinum markets. There is an especially strong nials have a spending power of more credit card to high-income clients and demand for metal cards across emerg- than $3.3 trillion. The metal card is a similar card regarding benefits with- ing and developing economies where a premium, eye-catching item and out the platinum status. Additionally, the growing middle class is pursuing sparks comment, which aligns well customers were more likely to upgrade the premiumization of products and with marketing to millennials who to a premium card when informed that experiences such as in China (91%), respond to word-of-mouth. Comments the eligibility for their current card was Mexico (88%), Turkey (86%), India from a friend or colleague are more being expanded. Further, the NBER (85%) and Brazil (82%). In the United likely to motivate this group than a analysis of transactions indicated that States, 56% would switch to metal, traditional ad, according to a recent consumers in general, not just mil- and when viewed by income, the rate report from GlobalWebIndex. Once lennials, were more likely to use a increased to 80% among those with an you’ve captured this key audience, they status card for expenditures in a social annual income of $200,000 or more. are loyal. Millennials are likely to use environment such as in restaurants This was mirrored internationally with social media to spread the word about and bars. three of four (75%) affluent people a product or service that has their seal Marketplace for Metal exhibiting a higher level of willingness of approval. to switch cards and selecting a metal Metal’s Tactile Advantage Evident in the Edgar, Dunn & Co. card with equal benefits and rewards. survey is the current unmet demand Many businesses have been built It is vital for any business to have for a metal payment card product. on the concept of latent consumer a product that captures millennials’ When given a choice between metal demand. A well-known example is
24 CARD MANUFACTURING | OCTOBER 2019 Netflix—a company that created a Conclusion About the Author: Jon Wilk is the CEO business to provide something to con- and president of CompoSecure, where The appeal of metal cards to an sumers that they hadn’t yet identified he leads all aspects of the business in- institution’s top targets of affluent, cluding sales and business development, as a need. Similarly, metal cards can mass-affluent and millennials is manufacturing, R&D and marketing ac- attract consumers. Once the customer profound, especially in regions where tivities of the company. He brings more becomes aware of the product and has than 20 years of experience in banking, there is unmet demand. Stepping up experienced that uniqueness, they are management consulting and private and investing in a metal card program equity portfolio companies, which helps unlikely to want to go back to plastic. will likely reward the financial insti- drive the future growth of CompoSecure. Data clearly shows that the metal card tution with new customers, enhance Prior to CompoSecure, he was president is seen as a premier product—one that the brand marketing and elevate of PayChoice (acquired by Sage Software), is of a higher quality and more durable. a leading provider of SaaS-based payroll, the institution’s perception as being Currently, there is a first-mover advan- human resources and tax-filing solutions. on the leading edge of innovation and He also held several senior leadership tage to metal cards at this point, given customer care. positions at JPMorgan Chase, Bank of the overall lack of awareness and America and Merrill Lynch. inherent “cool” factor in the product.
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ICMA.com 25 feature story
Jennifer Kohlhepp – Managing Editor, ICMA Thank You for Attending
ICMA’s CardTREX North America continues to bring card • A High-Speed Ink Jet Printing panel discussion industry professionals together for an immersive learning • Assessing the Environmental Impact in Card Manufac- experience about card business issues and opportunities turing by David Tushie, ICMA Standards and Technical in the North American region of the world. Representative
ICMA would like to thank member company Mühlbauer Attendees also met with exhibitors in ICMA’s signature International for opening its facility to CardTREX North Networking Zone, during which suppliers promoted their America attendees, as well as all of the card industry latest products and services in a Speed Share session. professionals who provided educational sessions on the Attendees voted on the best product at the show. The latest industry trends during the day-and-a-half event. winner will be announced in the next issue of Card Mühlbauer International, which specializes in one-stop Manufacturing magazine. solutions including the production, personalization and Thank you to the following companies that exhibited in issuance of ID cards and other card-related security the CardTREX North America Networking Zone: documents, offered CardTREX North America attendees • Barnes International promoted its card and contactless a tour of its Industry 4.0-enabled Smart Factory Compe- device personalization test tools and systems for scheme tence Center in Newport News, Virginia. The tour included certification and QC testing, ISO and CQM test tools live demonstrations of the company’s automated produc- for magnetic stripe and contactless/dual interface, tion and personalization solutions for semiconductors, EMV training and consultancy materials and P3 data RFID inlays, smart cards and e-passports, and vision preparation systems. technology. Attendees had the opportunity to ask ques- tions about the processes and equipment. Mühlbauer also • Boyuan New Materials promoted plastic materials hosted an on-site Oktoberfest dinner after the tour. for cards.
Designed to elevate the industry knowledge of technical • Card Testing International is an independent ISO/ and card production staff and business owners in the IEC 17025 card testing laboratory that has been testing transaction card industry, the CardTREX North America cards for more than 25 years. educational sessions included: • Graph-Tech USA is a proven leader in the card industry
• Color Core Considerations by Tom Mucenski of with solutions ranging from basic entry-level systems Klöckner Pentaplast and system upgrades to complete duplex systems with affi xing, magnetic and RFID encoding. • Dual-Interface Trends by Megan Bogard of CPI Card Group • Oasys Technologies promoted its card production machinery. • The Transact! open discussion with all attendees engaging in an interactive session • SICPA promoted its anti-counterfeiting and security solutions. • Manufacturing Challenges in Dual-Interface Cards by Kyle Christianssen of CPI Card Group • Sun Chemical displayed its full-range solutions for credit and laminated cards, including its screen and • Digital Printing Market Sales and Capabilities offset inks, pre-laid overlays, pre-patched holograms, by James Gargus of HP magnetic tapes, engraved lamination plates, security applications and electronic materials.
2614 CARD MANUFACTURING | OCTOBER 2019 • Superior Tape & Label promoted its specialty and ICMA’s 2020 EXPO, Historical Success, Embracing technical label and adhesive solutions and displayed the Future, will take place from March 29 to April 1, products for the secure and non-secure markets. 2020 at the Saddlebrook Resort in Tampa, Florida.
• UBIVELOX focused on smart cards and mobile Don’t miss this momentous occasion. ICMA will convergence. The company is experienced in celebrate 30 years of card industry leadership—it’s various areas including banking, telecommunication, our 30th anniversary. transportation and national ID cards. For more information about CardTREX North America
As the leading provider of education and networking and CardTREX Europe, visit CardTREX.com. For more in the transaction card industry, ICMA is proud to be information about the ICMA EXPO and to register for able to present CardTREX North America, CardTREX the event, visit ICMAEXPO.com. Europe and our annual ICMA EXPO. The next issue of Card Manufacturing magazine will feature coverage of CardTREX Europe.
ICMA.com 27 industry news
Credit, Debit Cards Gain Ground on Cash technology providers. These companies Army Futures Command to Replace for Small Purchases design and manufacturer student ID Common Access Card processing systems, such as card readers. Cash may still be king among consumers Army Futures Command is working to Apple must work with these third-party for purchases of $10 or less, but its mar- develop wearable technologies that would companies to integrate contactless tech- ket share is steadily being eroded by facilitate identity authentication for soldiers. nology. The new launch adds CBORD, credit and debit cards, says an annual AFC seeks to develop small tools for Allegion and HID as partners. survey from CreditCards.com. simplified identity-based authorization and Currently, Apple provides contactless stu- access to networks, operating systems, The most recent edition of the survey dent ID capabilities to seven institutions. weapon systems and various soldier-used reveals that 43% of respondents with The new launch will add an additional 12 devices, the U.S. Army said. rewards credit cards prefer to pay for universities to the program. According to small purchases in cash, down from 45% a The rugged, wireless, lightweight devices Apple, 4 million doors have been opened year earlier. At the same time, 26% prefer would be small enough to fit in pockets. using this technology. Students have also to use their credit card for small purchases, Users would enter password codes or bio- purchased 1.25 million meals using the up from 23% in 2018. Additionally, 31% of metrics into systems for access once the Wallet app. rewards cardholders say they will use a token-like devices have been detected. debit card for a small purchase, up from Soldiers will automatically log out upon 30% in 2018. U.S. Payments Forum Market Snapshot exiting the linked system’s range.
The U.S. Payments Forum released its The effort aims to replace the common Cashless Payments Spread Gradually latest Market Snapshot, providing a look access card that soldiers have been using in Japan at the state of EMV chip adoption in the since 2001. The newer tools would allow United States, trending topics within the soldiers to access systems or controls on The Japanese government faces a challenge industry, and current Forum priorities the battlefield. AFC’s Combat Capabilities to boost cashless payments to cash in and projects. Development Command leads research on an expected increase of tourists from and development activities under the ef- Contact EMV chip technology is now abroad toward the 2020 Tokyo Olympics fort. The Army intends to field the device well-established in the United States and Paralympics. by fiscal year 2022. with 63% of in-store payment terminals Despite a traditional preference for bank chip-enabled, and 68% of total transactions notes and coins in the country, moves chip-on-chip. As a result, key aspects Mumbai Bus Operator To Test India’s to introduce non-cash payments are of implementation such as testing and National Transit Card slowly reaching beach shacks and local certification processes for in-store termi- shops. The government aims to boost the India’s One Nation One Card will be test- nals have stabilized. While merchants are cashless movement with a reward point piloted with Mumbai bus operator BEST continuing to upgrade existing terminals program to be introduced in line with the in November. The national transit card and/or obtain recertifications, timelines planned hike in the consumption tax rate system uses a bank-issued card that will have normalized and those in need of this month (October). run on India’s RuPay payments network. testing better understand how to build the process into their implementation plans. Based on the National Common Mobility Card, the new card is a contactless debit, More Universities Using Contactless With unique requirements for EMV credit or prepaid card. Transit passengers Student IDs implementation in the automated fuel will be able to use the card to travel on dispenser environment, there is still Apple’s contactless student ID feature re- the metro and suburban railways across work to be done to meet the approaching places a physical card with an iPhone app. India, as well as on buses. Cardholders fraud liability shift set for Oct. 1, 2020. In Apple’s contactless student ID feature is will also have the option to pay for a recent Conexxus survey of petroleum part of the Wallet app. It allows students parking, tolls or retail purchases. retailers, 42% reported that they already to access dorm rooms and pay for meals are, or will be 100% deployed by the li- Under the One Nation One Card system, and other necessities with an iPhone or ability shift date, citing software, cost and cards can be read by any automatic fare Apple Watch. testing and certifications as challenges for collection system in all public transport The technology is slow to adopt, as it implementation. organizations. Bharat Electronics Limited requires partnering with student ID will develop the electronic ticket issuing machines that will read the debit and credit cards. 2822 CARDCARD MANUFACTURINGMANUFACTURING || OCTOBEROCTOBER 20192017 ace news
Meet the Global Card Industry’s New ACEs Jennifer Kohlhepp – Managing Editor, ICMA
ICMA is excited to announce that eight individuals recently earned the Advanced Card Education-Manufacturing (ACE-M) designation.
ICMA offers three types of ACE designations—ACE-M, ACE-Personalization (ACE-P) and ACE-Advanced Technologies (ACE-A). Each designation can be achieved through a separate exam and does not require any of the other designations as a precedent.
Through hard work and dedication, the individuals listed below successfully passed their ACE-M exams. Congratulations to the new ACE-M designees!
Debbie Effl andt, Shannon Ferguson, Amiben Jariwala, Kristen Kastner, Jalpa Shah, Timothy Swift, Jennifer A. Wallace, Simon Wu, Valid CPI Card Group Valid Valid Valid Valid Valid Valid
Professionals who work for an ICMA member company and have at least two years of industry experience can demonstrate their expertise through the ACE program.
ACE-M evaluates card manufacturing knowledge of PVC/plastics, inks, adhesives, printing, collation, lamination, die-cutting and standards/testing.
ACE-P evaluates card personalization and fulfi llment professionals’ knowledge of printing and barcodes, magnetic strip encoding, embossing, laser engraving, smart card encoding, fi nancial transaction card data, fulfi llment and standards/testing.
ACE-A evaluates knowledge of advanced materials and card construction, card technologies, security technologies and environmental initiatives.
ICMA provides ACE training seminars and testing at its various events, as well as on-site for member companies that desire a more tailored approach. Member companies with 10 or more employees seeking ACE designations can schedule group exams. David Tushie, ICMA’s standards representative, will travel to any facility to provide a private ACE training and exam session. Companies that choose this option save travel time and expenses.
For more information about the ACE program, visit ICMA.com, email [email protected] or call ICMA headquarters at 609-799-4900.
ICMA.com 29 member & product news
Barnes Smart Solutions Joins Production Security Assessor - Logical Contactless Biometric Payment Card MULTOS Consortium (CPSA-L) designations, which are defined Features T-Shape in the Payment Card Industry (PCI) Data The MULTOS Consortium, a group of Fingerprint Cards (Fingerprints™) and Security Standard Qualification Require- international blue chip organizations Giesecke + Devrient Mobile Security are ments. The company also announced that responsible for the promotion and de- collaborating to bring contactless biometric Pandit joined Smart Card Auditors Inc. as velopment of the MULTOS specifications, payment cards to the market. The card is a senior auditor. recently announced that Barnes Smart featuring Fingerprints’ T-Shape™ module, Solutions, an innovative technology For more information, visit which is part of the 1300-series. It has driven solutions company and part of the e4securityconsulting.com. ultra-low power consumption and is Barnes International group, has joined tailored to be integrated in smartcards as a partner member. using standard processes. The card is Entrust Datacard Helps Bureaus featured in the recently announced pilot As a member, Barnes Smart Solutions will Accelerate High-Volume Card Delivery with Crédit Agricole in France, a top three participate in the MULTOS business and Entrust Datacard recently announced European bank. technical architecture groups, which will three new options to help bureaus add contribute toward the development and For more information, visit fingerprints.com flexibility and efficiency to their high- growth of MULTOS while benefiting from or gi-de.com. volume card production operations. the consortium’s marketing, technical and networking resources with members that Entrust Datacard’s new offerings are a span the secure payments, digital identity vertical card placement option, card carrier Fiserv Acquires First Data and smart device industries. sorter module and standalone Datacard Fiserv has completed its acquisition of Exi7100 envelope insertion system. For more information, visit First Data Corp. The two firms first inked barnessmart.com The vertical card placement option for the deal earlier this year, which will see card delivery systems allows for dynamic Fiserv purchase First Data for $22 billion horizontal and vertical card placement in an all-stock transaction. Discover Enters Alliance with Bulgaria’s on the card carrier. This option meets the At the time the transaction was announced, Borica AD growing card trend toward vertical cards the companies said users would benefit Borica AD, the owner of Bcard, the without requiring card operations to limit from a “highly complementary combi- national payment system in Bulgaria, job sizes based on card orientation. nation” that offers a range of payments announced an agreement with Discover The new card carrier sorter module for and financial services, spanning account Financial Services to provide acceptance card delivery systems automatically processing and digital banking, integrated of the card outside of the country using segments and sorts finished card carriers payments and the Clover POS system, Discover’s global payment network. after the card attaching/folding process among other products and services. Bcard will collaborate with the payment and prior to the envelope inserting sys- The combined company will carry the network to develop integration of Discov- tem. This provides operational planners Fiserv brand and will continue to trade on er’s EMV contact, contactless and mobile more flexibility to optimize workflow, the Nasdaq Global Select Market under solutions as well as D-PAS for interna- reduce manual interventions, increase the ticker symbol FISV. tional payment. batch sizes and optimize system uptime. For more information, visit fiserv.com. For more information, visit The Datacard EXi7100 envelope insertion discoverglobalnetwrok.com. system automatically combines carriers with other inserts, and packages them Thales’ Gemalto Acquires Green Bit into mail-ready envelopes. The new sys- Green Bit S.p.A., a provider of biometric E4 Security Consulting Founder Earns tem fits the modern environment needed scanners based in Italy, has joined the CPSA-P, CPSA-L Designations to handle multiple card designs, mailing Gemalto’s government business unit as E4 Security Consulting LLC recently types and job sizes. a result of Thales’ recent acquisition of announced that its founder, Devesh Pandit, For more information, visit the company for an undisclosed sum. has earned Card Production Security entrustdatacard.com. The acquisition is expected to accelerate Assessors - Physical (CPSA-P) and Card and enhance Gemalto’s biometric capture capabilities.
30 CARD MANUFACTURING | OCTOBER 2019 The combination of fingerprint scanners White Label Alliance Takes Shape Goldpac is fully certified by VISA, and software solutions allows Thales- Mastercard, China Union Pay, American Considering global market demand for owned Gemalto to provide a wide range Express, JCB and Diners. Goldpac independent and standardized payment of in-house biometric technologies to supplies payment smart card chips, solutions, G+D Mobile Security and better support automated fingerprint instant issuance card kiosks and card IDEMIA announce their intention to identification across numerous industries. personalization/issuance solutions. create the White Label Alliance (WLA) Gemalto has more than 200 government to provide a new security solution for The complete collaboration will include digital identity and data protection next-generation payment applications. licensing of Zwipe intellectual property, programs, helping more than 30,000 The solution will be based on White Label technical integration of Zwipe components enterprises worldwide. EMV specifications and will enable ready- and hardware, adoption of Zwipe’s suite For more information, visit gemalto.com. to-deploy solutions for domestic payment of enrollment solutions and advisory schemes and closed-loop worldwide. services, targeting biometric payment card pilots with various issuers before the By providing global open standards that Graph-Tech USA Acquires iO Engineering end of 2019. are governed by an independent body, the Florida-based inkjet and controller manu- WLA ensures that commercial solutions For more information, visit goldpac.com. facturer Graph-Tech USA (GTUS®) has can be built on these specifications enabling purchased iO Engineering Inc., which is innovative and competitive offerings. The a hardware development company from HID Global Commits to Helping End Africa’s WLA also aims to enable ready-to-deploy Minnesota. Identity Gap solutions for domestic payment schemes iO Engineering designs and produces and closed-loop worldwide. Being able to verify people’s identities is electronics for super-fast and complex critical for a nation’s growth and prosperity For more information, visit gi-de.com or input/output, imaging and tracking and yet nearly half of all African citizens idemia.com. applications used in several industries. can’t prove who they are to vote, travel Gary Altenberg, iO Engineering’s president, freely and receive government benefits will become vice president and shareholder Goldpac, Zwipe Launch Biometric and services. HID Global is launching an of GTUS®. Payment Cards initiative to help close this identity gap.
For more information, visit Goldpac and Zwipe are partnering to HID Global brings to its initiative a broad graph-tec-usa.com. launch biometric payment cards, enroll- solution portfolio, close working partner- ment offerings and related services to ships with leading integrators serving Goldpac’s extensive customer network, African governments and strategic invest- including some of the largest financial ments in its business operations dedicated organizations in the world. to building a better future for citizens. The
continued on page 32
We’d love to hear from you! Card Manufacturing contains feature articles, listings, events, company news, industry announcements, association updates and other information that will influence and grow your business. Card Manufacturing also includes messages from key industry executives as well as news and tips from the heart of the association—YOU.
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ICMA.com 31 member & product news
initiative builds on HID’s track record of IDEMIA Introduces Multi-Application Card and quality processes, and incorporates enabling effortless and worry-free identity unique features not present in the current IDEMIA has introduced BLINK, a multi-ap- verification for the citizens of African CFN retransfer printers. plication card. It can combine debit, credit nations, with a steady cadence of ongoing and prepaid in one single card. It can also For more information, visit maticacorp.com. deployments across the continent. be used to offer predefined instalment For example, the company’s identity docu- payment options, allowing customers NEXT Biometrics, ABCorp Collaborate ment and mobile identity solutions pave to choose between paying the total cost on Biometric Smart Cards the way for convenient and secure access upfront or spreading it over a set number to government programs and services. of months. NEXT Biometrics will collaborate with Tanzania is using HID’s citizen ID ABCorp on the development and com- For more information, visit idemia.com. solutions to add e-Visa and e-Permit mercialization of biometric smart cards. capabilities to its e-Passport, which HID ABCorp is a leading provider of creden- helped deploy last year as part of the Mastercard Acquires Transfast tials (IDs), payment and secure access Tanzania e-Immigration program. The Mastercard recently purchased Trans- applications. As a turn-key EMV solutions new web-based visa and residence permit fast to help businesses, consumers and provider, ABCorp has been involved services allow visitors and residents to governments move cash from one place in the design, manufacture, packaging apply for and receive validated credentials to another by taking advantage of the and distribution of dual-interface EMV for traveling or living in the country. trans-border network that Transfast built cards across the globe for many years. For more information, visit hidglobal.com. before Mastercard bought it. With Trans- An international presence and multiple fast in place, Mastercard’s own ability to secure bureaus offer extensive EMV card offer cross-border operations is expected personalization solutions, data manage- HP Opens New 3D Printing, Digital to improve. ment, mailing, fulfillment and distribution Manufacturing Center services for efficient delivery to clients and For more information, visit HP Inc. recently opened the doors to its end-consumers. mastercard.com. new 3D Printing and Digital Manufactur- For more information, visit ing Center of Excellence in Barcelona, nextbiometrics.com or abcorp.com. Spain, one of the world’s largest and Matica Technologies Announces Alliance most advanced research and develop- with Canon Finetech Nisca ment facilities for the next-generation OpSec Security, Maxim Partner to Extend Matica Technologies AG recently technologies powering the fourth indus- Brand Protection in Asia announced its strategic partnership trial revolution. The new center brings with Canon Finetech Nisca Inc. (CFN), OpSec Security announced a partner- together hundreds of the world’s leading which includes the joint development of ship with Maxim Label and Packaging, a additive manufacturing experts in more products, largely through the sharing of wholly owned subsidiary of the Maxim than 150,000 square feet of cutting-edge technology, mainly but not limited to the Group of Shanghai, China. innovation space to transform the way government and financial markets. the world designs and manufactures. The partnership will target fighting the The partnership’s first joint product is the increase in brand infringement and The facility at HP’s Barcelona campus Matica EDIsecure MC660, a new 600dpi counterfeit goods. Brands, both large and is dedicated to the development of HP’s high-resolution card printer for high-level small, will benefit from the new partner- industrial 3D printing portfolio and pro- security applications based on the highly ship as the two companies combine their vides a large-scale factory environment to reliable ID card print engine of the CFN’s expertise to create unique label, trim, and collaborate with customers and partners printer range while also incorporating packaging solutions that fight counterfeit- on the digital manufacturing technologies unique features from Matica’s technology ing, ensure the integrity of supply chains revolutionizing their industries. and software. and protect brand equity across the retail For more information, visit hp.com. and online marketplaces. Under this alliance, the designed products are manufactured by CFN according to For more information, visit Canon’s high standard manufacturing opsecsecurity.com.
32 CARD MANUFACTURING | OCTOBER 2019 PPG Introduces PPG TESLIN The subjects of certifi cation are Smartrac’s manufacturers are able to expand their smallest circular, high-performance NFC offerings and respond more effectively to PPG has introduced PPG TESLIN EMI/ Circus inlays and tags, including the issuer demands without changing any- RF (electromagnetic interference/radio- tamper detection inlay Circus Tamper thing in their manufacturing process or frequency) shielding material, which is a Loop, based on NXP’s NTAG210 Micro, equipment, nor the requirement of a new fl exible, moldable and affordable shield- NTAG213, NTAG213 TT and NTAG216 ICs. certifi cation. ing solution that can be customized to provide specifi c shielding functionality With the NFC Forum and DEKRA Lab For more information, visit s-p-s.com. and performance. certifi cations, Smartrac’s customers have further confirmation that the certified PPG Teslin EMI/RF shielding material Circus inlays and tags perform reliably in Global Payments Acquires Total is designed for electronic applications compliance with the NFC Forum’s NFC System Services that require shielding to function properly, Tag Device Type 2 Tag standard. Global Payments has inked a deal to protect RF transponders from illegitimate acquire Total System Services (TSYS) reading or writing or provide a durable For more information, visit in a $21.5 billion deal. grounding path. Common examples smartrac-group.com. include pouches for credit cards, cell Under deal terms, TSYS shareholders phones and electronic toll passes, will get 0.8101 Global Payments for each SPS Brings New Customization Options grounding tapes, circuit boards, safe share they own. Jeff Sloan, chief execu- to Banking Card Issuers rooms, actuated chips, antennas and tive offi cer of Global Payments, will be at electronic devices. Smart Packaging Solutions (SPS) the head of the merged company. Troy recently introduced CMI®, Customized Woods, TSYS CEO, will become chairman For more information, visit teslin.com. Module Image, on the SPS Dual 6 module of the combined company. Global Pay- allowing banking card issuers and the ments shareholders will end up owning Smartrac’s NFC Product Suite whole banking card ecosystem to develop 52% of the new company while TSYS Earns Certifications an even more customized card solution, investors will own the rest. while remaining simple to deploy and Smartrac Technology Group has earned For more information, visit tsys.com. easy to market. Near Field Communication (NFC) Forum and DEKRA Lab certifi cations for a suite SPS CMI allows for the engraving of any Visa’s Fintech Fast Track Program of CircusTM NFC inlays based on various logo on the surface of the micromodule. Goes Global NXP NTAG ICs. This technology is now available with all module sizes: SPS Dual 6 and Dual 8 Visa recently announced the expansion micromodules. With SPS CMI®, card of its Fast Track program to the United marketplace States in conjunction with a large and growing network of partners.
Fast Track aims to speed up the process of integrating with Visa, to allow nimble start-ups the ability to more easily lever- age the reach, capabilities and security VisaNet, the company’s global payment network, offers, thereby helping fi ntechs scale more quickly.
Visa’s Fast Track program, already available in Europe, Africa, the Middle East, Latin America and Asia Pacific, has successfully helped Visa propel the growth of the fi ntech industry around the world. Interested participants in the United States can now apply by visiting visa.com/fi ntech.
For more information, visit visa.com.
ICMA.com 33 industry calendar
2019 2020 October March
CardTREX Europe Seamless Middle East 22-23 October, 2019 25-26 March, 2020 Nürnberg, Germany
ICMA EXPO November March 29-April 1, 2020 Trustech Saddlebrook Resort November 26-28, 2019 Tampa, Florida Cannes June Seamless Asia 24-25 June, 2020 Singapore
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index of advertisers
Entrust Datacard ...... 5 Melzer maschinenbau GmbH ...... 25 PLI Card Marketing Solutions ...... 11
Graph-Tech USA ...... 21 Mühlbauer High Tech International...... 17 Sun Chemical ...... 2
Magellan Consulting ...... 33 Oasys Technologies ...... 15 VFP Ink Technologies ...... Back Cover
34 CARD MANUFACTURING | OCTOBER 2019 ICMA: The Premier Card Manufacturing & Personalization Organization
Access three decades of card industry data. Network with industry thought leaders and peers. Make an impact around the globe.
The voice of the card manufacturing industry for
Events have been held in over 15 200+ companies recognized by 29 prestigious Élan Awards years countries of Excellence
industry leading 3 training & recognition programs
markets to support your business Global Card Market planning Statistics Reports covering 1,000+ industry articles provided 1,100+ through Card Manufacturing exclusive online articles, members representing 12 magazine, monthly Inside reports, presentations200 & resources ICMA e-newsletter, and weekly In-brief e-newsletter Website – visited by 43countries Nearly 5,000/month – drives traffic to member websites 2 50% and offers on-demand of members with the Global EXPO with member training UNLIMITED association for opportunities for building business 10+ 300+ partnerships years attendees and over regional education events in North America and Europe 50 exhibits
For more info or to join, visit ICMA.com or call 1 609.799.4900 ......