Find out how Gemalto Mobile Payment Platform brings mobile financial services to millions of people in Mexico, anytime, anywhere.
Transfer is a service that allows any person or business with a mobile phone, to send, request, and receive money 24 hours a day, 7 days a week, quickly, reliably, and without using the Internet.
Transfer relies on SMS to provide users with payments, money transfers, and balance inquiries and those transactions are PIN protected.
Find out more about
Transfer in Mexico and Latin America.
TSM Nordic, Norway
TSM Nordic is a company owned by Telenor, Norway’s leading mobile operator with 3 million subscribers and DNB, the largest financial services provider with 2 million customers.
TSM Nordic chose Gemalto as the technology partner to provide Norway with its first NFC payment service.
TSM Nordic’s requirements was to deploy as quickly as possible a future-proof and interoperable mobile payment solution for multiple players. Gemalto’ s TSM Hub platform is at the heart of this new interoperable eco-system to accelerate the quick on-boarding of mobile operators, banks, public transport authorities and other service providers over time. It acts as a single connection point from which all players can plug into to provide and manage mobile contactless services.
Beyond Norway, this new eco-system is expected to expand across the entire Nordic region.
Movistar, the largest mobile network operator in Spain, uses Gemalto’s mobile payment solution to provide their mobile subscribers with an easy and secure method of purchasing a broad range of products, content and services. The payments for such purchases are made via the subscriber’s monthly telecom bill or, in the case of pre-paid users, charged directly to the pre-paid account.
The payment service does not require any pre-registration, downloads or heavy merchant integrations. Individual subscribers are able to quickly and easily purchase digital content via Web, WAP, SMS and USSD, and automatically charge their Movistar bill or prepaid account.
Through an intuitive self-care application subscribers can manage their personal accounts, review their transaction history, and filter reports according to date, merchant and/or reference number.
Mobicom, the largest mobile network operator in Mongolia, chose Gemalto as its technology partner to establish an innovative PSP (Payment Service Provider) at Mongolia. Targeting Mongolia’s largely nomadic population, not easily served by traditional banking systems, Mobicom issued its subscribers mobile wallets capable of representing multiple payment instruments, such as bank accounts, prepaid (stored value) accounts, credit cards, MNO bill and more.
With mobile payment, banking services have spread out of urban areas and opened up new opportunities nationwide for mobile money transfer, mobile commerce, bill payment and financial management.
Cellcom and Citibank, Israel
Israel’s leading mobile network operator strives to lead the market with a full range of Mobile Financial Services. Cellcom chose Gemalto as its technology provider to build the mobile payment solution, which powers m-commerce and in-store payments, as well as cross-border money transfer for migrant populations. The mobile wallet is accessible online and from mobile apps running on the iOS and Android operating systems.
As part of the solution, Gemalto’s technology helps build the new ecosystem, comprising Cellcom, its global banking partner and a local card processor.
Redeban Multicolor, Colombia
Redeban Multicolor (RBM) is the leading financial network and financial solution integrator in Colombia, as well as a MasterCard and Maestro Principal Member, Processor and Acquirer.
Working with the three largest mobile operators in the country, Redeban Multicolor uses Gemalto technology to combine mobility with best-in-class security, providing mobile banking to 20 million subscribers in Colombia.
First launched as a SIM client, a rich mobile banking application is now being launched by several banks. Banked and unbanked users in Colombia can check their balance and perform bank transfers, top up airtime, make card payments, block stolen or missing cards, and receive mini-statements.
Earlier this year, Davivienda Bank, launched a Mobile Purs e that targets the unbanked population in Colombia. Using Gemalto’s global expertise in both the banking and the wireless sectors, Davivienda Bank can deliver an end-to-end secure environment while keeping a friendly and straight-forward user experience..
Banamex and Telcel, Mexico
In 2008, Telcel, the largest mobile network operator in Mexico, decided to become an enabler of Mobile Banking in a country of more than 110 million people. Telcel chose to deploy the Gemalto Mobile Banking application in their SIM cards, allowing their entire subscriber base to access associated banks. The solution catered banks with its merits in SIM-based security, (allowing each bank to control its own security domain, like they do in NFC), usability and widespread reach.
Banamex, the first bank to extend Mobile Banking services with Telcel, deployed a wide range of services to help its customers perform daily banking activities like paying bills, making transfers, checking balance, paying credit card bills and many others.
Many other banks followed Banamex and deployed their services within the solution, transforming the way Mexicans can interact with their banks.
NetOne, a leading network operator in Zimbabwe, deployed Gemalto’s MFS solution for Mobile Money Transfer, which comprises of the server, user application, as well as system integration services. The SIM-based OneWallet service works on 100% of the handsets and enables all NetOne subscribers to perform secure and convenient money transfer using their mobile phone.
The solution’s user-friendly interface enables NetOne subscribers to make secure and easy peer-to-peer money transfers, pay utility bills and top-up prepaid mobile accounts. Cash merchants (or “Agents”) allow customers to perform cash in/out transactions, as well as airtime top-up.
Expanding the possibilities of Mobile Money Transfer, OneWallet also enables NetOne’s customers to have their salaries paid directly onto their phones – an innovative feature that greatly empowers the unbanked with a secure and convenient digital wallet solution.
NetOne also intends to work with the Government of Zimbabwe and Pension Fund schemes to allow the OneWallet to be used for pension payments and thus remove the need for traveling long distances to collect pension payments.
MTN MENA is part of the MTN Group, which serves over 100 million subscribers in Africa and the Middle East, including 30 million in the latter region. Gemalto worked in close cooperation with Fundamo, a leading mobile financial services provider, to jointly supply the complete solution for the MTN MobileMoney service.
The MTN MobileMoney service will enable MTN MENA to offer their subscribers a wide variety of financial services including money transfer, mobile payment and balance checking, mobile purchases, as well as the ability to buy airtime in real-time. MTN MobileMoney’s user friendly interface makes it simple and convenient for subscribers to enjoy financial services featuring simple menus and multiple language options, including English and a number of local languages.
CITYZI in France
The first commercial deployment of NFC services in Europe started in May 2010 in France. Since then, mobile network operators, banks, transport operators and retailers haven’t stopped enriching the range of available NFC services allowing consumers to pay, commute and redeem coupons simply by waving their phone on NFC terminals.
Gemalto is playing a key role in this project by providing TSM solutions and services that allow MNOs and service providers such as banks to securely download and install NFC applications onto their customers’ mobile phones.
Safe and secure
German bank Sparkasse Südholstein is increasing
online banking security for its customers by distributing Gemalto’s Ezio strong authentication optical readers. The Gemalto solution eliminates the need for one-time passwords, replacing them with more secure smart banking cards. It works by placing the authentication device in front of a PC monitor, tablet display or smartphone screen. Optical sensors then capture the transaction data, eradicating the need to enter passwords into reader keypads. Sparkassen-Finanzgruppe, the leading banking group in Germany, will issue the credit card-sized optical authentication devices to all of its customers throughout 2012.
The number of customers who use Gemalto
smart cards when accessing FINO’s branchless banking program has swelled to 10 million across India.
Financial transactions carried out through FINO, an electronic payment platform, are validated using biometric authentication, providing one of the highest levels of digital security. Transactions are approved once fingerprint information and card-embedded software has been verified.
The system has proved popular in remote locations. Bandhus, a FINO partner company, deploys staff on motorbikes with portable card readers to villages where residents can carry out secure financial transactions.
Colombia gets its first multi-application EMV cards
Colsubsidio, a non-profit organization in Colombia that distributes social security benefits, has launched a new, all-in-one card for its members. The Multi-Service Membership Card, which features EMV technology and is provided by Gemalto, includes an ePurse, entry to parks and sports centers, and easy access to public transportation in Bogotá, among other features. It’s a much-simplified solution that brings Colsubsidio’s many offerings together in one place.
1 million number of customers
1 million customers will benefit from more
secure online banking.
ING Belgium, part of the global ING Group, is using
Gemalto’s Ezio suite of end-to-end strong authentication solutions to help meet the country’s strict regulations for online security and to address the growing hacker threat. The offering includes the Ezio Class card reader, which gives customers secure access to their bank accounts from anywhere that has an internet connection.
+ 153% increase in card applications
The increase in applications for the
United Nations Federal Credit Union’s (UNFCU) chip and PIN credit card. The card, for which Gemalto provided a complete
issuance service, came about because customers of UNFCU, which is based in New York, are frequent travelers and found themselves at a disadvantage while abroad because of the USbanking system’s resistance to chip and PIN technology.
High-tech stickers for Slovakians
Slovakian consumers whose cellphones are not NFC-enabled can now make contactless payments – all thanks to a sticker. By attaching
Gemalto’s Optelio sticker to any handset, customers of
UniCredit Bank Slovakia can join the growing trend for
NFC payments. Now, they can make contactless purchases of up to €20 at fast-food outlets, cinemas, supermarkets and other shops across the country; there are 3,000 acceptance points currently in place. Larger payments will require a PIN. The sticker, which forms part of Slovakia’s first contactless debit paymentservice, has been fully certified by MasterCard.
Optelio Contactless Sticker Brochure
SVB moves to EMV
Financial institutions in the United States are finally recognizing the benefits of secure
EMV chip payment cards – particularly those whose customers often travel outside the US, where the old magstripe cards are no longer universally accepted. One such institution is
Silicon Valley Bank (SVB), which has chosen Gemalto to deliver
EMV cards for its entire cardholder base, as well as expert advice on EMV migration, personalization and the delivery of the cards to the end-user.
Secure online banking in Ireland
Allied Irish Banks (AIB) is extending its online banking offering for customers, using Gemalto’s
Ezio solution to provide additional security features. Gemalto is delivering the complete, future-proof Ezio solution, including strong authentication software, Ezio Club EMV card readers and consulting services. “Simplicity and convenience for our customers were determining factors in our selection of Gemalto’s solution,” said Diarmuid Hanrahan, AIB’s Head of Payments and eChannel Development.
It’s AllAboutMe in Stockholm
Commuters in Stockholm are using the world’s first customized travel card after
Stockholm Public Transport chose to deploy
AllAboutMe, a turnkey solution to design customized cards online. People can order their card from home, and all issuance services are performed in Gemalto’s personalization center in Sweden to ensure they receive their card by mail within a few days. The new service has been a success, with an adoption rate of almost 50% for online buyers a month after the launch in February 2011.
An industry first in Canada
As Canada continues its migration to
EMV banking cards, Gemalto’s Optelio dual interface debit card has become the first to be certified as compliant with the Interac Flash specification. Interac Flash increases the functionality of Interac-branded debit cards by using dual interface microprocessors. This means that a cardholder can carry out a point-of-sale debit transaction using either the contact or contactless feature of the card, for added security and convenience.
Help for Home Trust
The latest Canadian bank to migrate from magnetic stripe banking cards to EMV is
Home Trust Company, which focuses on consumers who don’t meet the lending criteria of traditional financial institutions. Gemalto is providing it with
microprocessor payment cards, as well as data preparation, card personalization and fulfillment services. It is also giving guidance on interacting with other members of the payments ecosystem to meet Canadian EMV requirements.
The number of Postcard GoGreen cards
Deutsche Post DHL has issued to its enterprise customers in Germany since June. Postcard GoGreen, the world’s first bio-sourced payment card, is supplied by Gemalto. It’s made from a renewable material – derived from corn, sugar cane and potato starch – that is easy to recycle and compost and reduces the ecological footprint of the production process. Businesses use the cards to pay to mail letters and packages, and for express deliveries.
Zitouna offers something different
Consumers in Tunisia can now open a bank account and leave the branch with their new payment card in their hand, ready to be used.
Zitouna Bank has deployed
Gemalto’s Dexxis Instant Issuance solution so that it can offer on-the-spot EMV card personalization in all its branches. Zitouna was only launched in 2009, and the introduction of instant card issuance is part of its marketing strategy to differentiate it from its more established competitors.
Safer shopping in Serbia
Banca Intesa, the leading financial institution in Serbia, has selected Gemalto’s Ezio Classic reader to secure its eCommerce services. The reader will enable users to make online purchases with the security level guaranteed by the EMV banking card. Ezio Classic, one of the world’s first smart card based strong authentication solutions used for securing eCommerce, is extremely easy to operate. Users insert their banking card into the reader and enter their PIN on the keypad; the device then generates a One Time Password that they can type in to make eCommerce purchases securely.
Gemalto has deployed its Secure Access Modules (SAMs) into existing EasyCard payment terminals in Taiwan, in partnership with eSECURE Technology. The SAM card (which is often delivered in the form of a smallformat microprocessor card that can be easily inserted into a terminal) is used to upgrade existing payment terminals for contactless use. The contactless-ready terminals give consumers a simple, fast and secure means to pay small sums, while retail vendors such as supermarkets, fast food chains and cinemas can immediately benefit by offering their customers this convenient way to make payments.
A scalable solution for Nigeria
InterSwitch, a leading provider of secure electronic payment solutions in Nigeria, is deploying Gemalto’s complete Ezio strong authentication solution to secure its ePayment services. Gemalto has supplied its Ezio Strong Authentication Server, as well as delivering EMV card readers and
unconnected tokens, all customized with InterSwitch’s logo. As a result, InterSwitch can now enable its banking customers to perform secure eTransactions using either their EMV card and reader or a token.
A German reader
Gemalto has launched
Ezio Optical TAN, a unique optical authentication reader for online banking, specially designed for Germany. The reader is the size of a credit card and fits in a wallet. To carry out and sign online transactions, the user simply holds the device in front of their computer screen; optical sensors capture the data the user would normally enter from the reader’s keypad.
Optelio certified for use in Saudi Arabia
Optelio banking card has been certified as meeting the requirements of the Saudi Arabian Monetary Agency. This, together with other existing certifications, enables Gemalto to complete its existing Multos offer for the Saudi Arabian banking market, and to support local financial institutions in their migration to EMV cards.
Sign of the times
Gemalto is providing
Banco Santander with new technology for its
university identity card program in Spain. The company is supplying its high-end
Optelio cards, which offer
EMV payment, multi-application identity for digital signature, strong authentication and secure contactless access to facilities, as well as its client strong authentication software solution for digital signature applications. As part of the program, students can use their card as a Banco Santander debit card, and the new digital signature functionality allows students and professors to sign documents electronically for the first time.
Advanced contactless EMV cards
Garanti Bank in Turkey chose Gemalto to supply our most advanced credit cards combined with our
instant issuance solution. Holders can use the cards to make
contactless payment, accumulate points through the bank’s loyalty scheme and pay for travel with the
Your photo on your MasterCard
Canadian consumers can put their own photo on their prepaid MasterCard
Gemalto is providing its
CardLikeMe service to Canadian company
PlasticNow, giving consumers the ability to customize their PlasticNow prepaid MasterCard with a personalized photo of their choice. Allynis CardLikeMe is completely webbased; cardholders can simply connect to the PlasticNow website, upload an image from their computer and order their card instantly online.
Gemalto joins SAFEBioPharma Association
Contactless Mobile Payment: Major French Banks Use Gemalto's Secure Services
Five banks - BNP Paribas, Crédit Agricole-LCL, Crédit Mutuel-CIC, Caisse d’Epargne and La Banque Postale Groups - are now using Gemalto’s Allynis service as part of the "Payez Mobile" trial for contactless mobile payment. The trial, which includes four mobile operators as well as the French banks, started in November 2007 with 1,000 consumers and 200 merchants in Caen and Strasbourg. The recent renewal of Gemalto’s service contract confirms recognition of its role as a trusted third party among the players in the mobile NFC ecosystem.
Read the press release
More information on Gemalto's NFC offer
Payez Mobile web site
Read Pegasus success story
Gemalto Brings Strong Authentication to Healthcare Industry, Joins SAFE-BioPharma Association
Strong authentication for online banking
Over one million Barclays Bank customers now use its
PINsentry™ smart card reader, which offers stronger authentication for
online banking. Since the deployment of Gemalto’s solution not one PINsentry customer has suffered
fraud. User feedback has proven extremely positive with customer acceptance 30% higher than anticipated.
PINsentry, Barclays customers generate One-Time-Passwords to authenticate themselves at log in, and also use it to sign transactions, by inserting their usual chip-enabled bank card into the reader and typing in their card PIN code. This provides a much higher level of security than authentication using static credentials.
Personalized credit cards for SEB’s customers
Now customers of
SEB Germany can use Gemalto’s
CardLikeMeTM to create a unique personal credit card. After uploading their picture on the bank’s website, users can visualize the card in real time and adjust the photo to taste. SEB is a North European financial group with some 1,000,000 clients in Germany. “Simplicity and convenience were key when offering our customers the option to design their own credit card,” commented Marc Vormann, of SEB. “Gemalto proposed an easy-to-use end to- end solution.”
Underbanked people in India are benefiting from simplified access to financial services through the use of our specially developed smart cards.
Each card holds up to 15 different types of secure application such as deposits, savings, loans, insurance and e-purses.
The card also acts as an electronic statement to store the last 150 transactions, which are validated using biometric authentication.This one-card-does-all solution resolves the normal barriers to growth by providing users with convenient and secure banking services.
Up to 500 million people are currently underserved by the financial sector and this initiative aims at the development of poorer areas.
Microfinance en Inde [French version]
Achieving bank card accreditation
American Express, MasterCard and Visa have recognized the reliability of our
banking solutions by making Gemalto the first company in South Africa to receive all three certifications for
our new personalization facility.
We already supply banking cards in many African countries and this local capability is enabling us to address the emerging
EMV market. Since it allows us to operate closer to our bank customers, we are able to serve them with increased responsiveness.