Financial transactions using smart cards are becoming a reality today as EMV worldwide migration is set in motion. This step, which is essential to the reduction of fraud, is also a challenge and an opportunity for financial institutions. Gemalto provides products, services and associated support and consulting to financial institutions to transform this challenge into a source of differentiation and new services for their cardholders.

Gemalto can assist throughout the artwork design phase. Our "Check & Print" teams are available close-by to help you specify, validate and launch production of your card bodies now integrating a chip. A wide range of innovative card bodies and form factors are also there to allow issuers to address growing requirement for differentiation and segmentation.

A comprehensive portfolio of training courses and consulting services are available to allow you to gain expertise in this new technology and develop your own EMV features. With EMV Migration Kit, it is now easy to optimize profile definition, prepare sample cards immediately and test their functioning in a transaction simulator. Availability of the chip is an opportunity to be seized by banks to differentiate and offer new services to cardholders. Gemalto offers a wide range of EMV products and added value application to do so.

Personalization services include all of the tasks involved in the personalization of EMV banking cards: from the receipt and processing of files issued daily by the bank, through to direct delivery to the cardholder. Gemalto also offers Personalization solutions, including our leading-edge tools, technology and expertise for those of the issuers/bureau who wish to do in-house personalization.

Today, EMV smart cards are enabling new applications that can make our day-to-day lives easier: e-purse cards, contactless cards, loyalty, e-Banking and more. Gemalto's range of banking smart cards is designed to serve all the needs associated with EMV migration with a constant focus on keeping in tune with the requirements of our customers.

EMV standards provide worldwide interoperability for cards and terminals while increasing security, thus benefiting card issuers, acquirers and cardholders.

For more information, visit www.gemalto.com/financial/cards/index.html