Digital-first banking solutions

Enriching mobile banking with digital-first banking cards and features

Digital-first banking solutions IDEMIA

In today’s digital-first world, digital-first banking solutions are almost a requirement for banks and FinTechs to provide digital-native experiences that offer more transparency and control for cardholders.

IDEMIA’s digital-first banking solutions support banks and FinTechs in implementing digital-first payment strategies, enabling them to propose immediate card issuance and secure payment options, such as digital payment cards accessible directly from their mobile banking app. These payment methods include:

  • Virtual cards to secure online payments
    IDEMIA provides a disposable or reusable virtual card display service leveraging a dynamic card issuance and validation service. These virtual cards can be displayed on the user’s mobile banking app at the moment of transaction.
  • NFC mobile payments using digital payment cards at point-of-sale
    IDEMIA enables issuing financial institutions to propose their own branded NFC mobile payment wallet by providing token provisioning services and unified integration. These mobile payment solutions enable cardholders to tap-and-pay at any merchant location that accepts contactless payments.

Digital-first banking solutions address the need of consumers for immediate, convenient and secure experiences. IDEMIA’s solutions enable financial institutions to offer their clients flexible and immediate payment means in the form of virtual cards and NFC mobile payments—offering clients more transparency and control over their spending.

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  • Enhanced user experience

    With digital-first banking solutions, issuers can onboard new customers, issue virtual cards, and provide access to financial services within minutes. They can also offer cardholders features to manage their cards and spending.

  • Optimized costs

    Digital-first banking eliminates losses from inactivated physical cards or cards stolen during delivery thanks to immediate digital card issuance. Digital payment cards also have a significantly higher activation rate than their physical counterparts.

  • Improved security and trust

    Virtual cards and NFC mobile payment options enhance fraud management by relying on tokenization, domain usage restrictions, and customer authentication prior to payments.

End-to-end support for creating numberless cards

End-to-end support for creating numberless cards

IDEMIA supports issuers to create numberless cards from card design and personalization to card activation and PIN retrieval, as well as to issue virtual cards for online and in-store payments.

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Everyday multifaceted payments

Everyday multifaceted payments

New payment methods such as SoftPOS applications, e-wallets, and super apps facilitate the consumer experience with contactless payments. This multiplicity of means is transforming the shopping journey.

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Central Bank Digital Currency (CBDC) explained

Central Bank Digital Currency (CBDC) explained

This infographic shows how CBDCs are redefining payment eco-system fundamentals as global trends show a shift towards digital and cashless societies.

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