Two birds with one stone – Case Study: SCB

State-of-the-art meets safe and secure.” That’s what it says on the website of Singapore’s Standard Chartered Bank (SCB), in reference to Gemalto’s Ezio OnCard PAD &PAY display card tokens and Ezio server, which SCB has selected for its primary security solution for all banking channels. The display card is an innovative two-in-one device with an LCD display, and combines key features including an EMV payment solution and a one-time password and transaction signing option for online banking authentication and other transactions.

Gemalto’s end-to-end offering also includes the Ezio authentication server, card personalization, fulfillment and project implementation for SCB. Card personalization is performed in Gemalto’s own certified banking facilities, with the same high levels of security that are used for handling EMV payment cards.

Singapore is booming as a center for financial affairs and SCB is leading the way in terms of increased security for digital banking, focusing on taking preventive measures rather than spending on detecting fraud. SCB has a total of 600,000 retail customers, 400,000 of which are now equipped with Gemalto display payment cards, and 200,000 online banking customers which signed up to use the display cards within the first month of launch.

In Singapore, many customers bank with multiple banks. We brainstormed on ways to make it convenient and yet secure for customers. The question was, instead of sending customers another bulky token, could we replace something which already exists in the customer’s wallet? That was when credit, debit and ATM cards immediately came to mind,” said Subba Vaidyanathan, SCB’s Regional Head of Retail Banking Products, Singapore and South-East Asia.


Find out more about how SCB boosts growth with Gemalto's next-generation online banking solutions

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Ezio Server and Ezio Toolkit

Introducing Ezio Server and Ezio Toolkit, Gemalto’s tools for authentication and transaction signing and software back-end solutions. The Ezio token range is designed with your customers in mind. It is fast to deploy and can be adapted to meet your changing needs. The Ezio server benefits from full compliance with open standards and supports Gemalto’s suite of integrated, scalable and secure tokens.

More about the Ezio token range