Instant Issuance


Al Rajhi Bank d​​eploys Gemalto’s instant EMV card issuance solution in new self-service kiosks.

The Customer

Al Rajhi Bank, Saudi Arabia's leading financial institution with over 58 years of experience in banking and trading activities.​​

Established in Riyadh, Saudi Arabia, Al Rajhi Bank has a vast network of over 500 branches, over 118 dedicated ladies branches, more than 4,100 ATM's, 46,000 POS terminals installed with merchants and the largest customer base of any bank in the Kingdom, in addition to 170 remittance centers across the kingdom. ​

The Challenge​​

"The extension of the solution to kiosks is part of our ongoing plan to transform branches for the digital age of banking and give our customers advanced services and a seamless experience" says Saleh Alzumaie, General Manager, Retail Banking Group, at Al Rajhi Bank. 

Gemalto launched instant EMV card issuance 10 years ago and it was adopted by Al Rajhi in 2009. With the introduction of the new kiosks Al Rajhi is implementing the latest stage of its ambitious plan for banking in the digital age, something that builds on its long-standing use of Gemalto's instant card issuance solution.

The Solution​

 Gemalto is supplying its instant card issuance solution for the bank's new generation of self-service kiosks. 

Its technology enables EMV payment cards to be printed securely on the spot, in a matter of minutes, offering customers the speed and convenience of immediate, anytime card renewal. 

They simply put their existing card in a reader inside the kiosk and tap in their PIN to authenticate themselves. A One Time Password (OTP) is automatically sent by SMS to facilitate double authentication and ensure all necessary security standards are met. The ready-to-use card is issued immediately. The kiosks are being deployed outside existing branch locations to provide round-the-clock availability, with the potential to extend into new sites such as shopping malls at a later stage.

Why Gemalto?​

With more than 200 issuers globally, Gemalto delivers unique implementations that meets the security and requirements of the world's largest financial institutions. 

Gemalto's technology enables the secure replacement of EMV payment cards, which can be printed in a matter of minutes, offering customers the speed and convenience of immediate, anytime card renewal

The instant issuance system is now available at 1,200 issuance points in the bank's branches and issues up to 20,000 cards daily. Gemalto's solution can be used in conjunction with any type of hardware.

​​The Benefits 

"Instant ca​rd renewal is now accessible on a 24/7 basis through self-service kiosks, and our staff are being freed from repetitive tasks to better engage and support clients. We've seen a 30% card issuance increase since the kiosks were deployed." says Saleh Alzumaie, General Manager Retail Banking Group at Al Rajhi Bank

  • Immediate and anytime card renewal delivers next-generation branch experience 
  • Al Rajhi staff can focus on delivering value-added services and personalized customer support
  • The kiosks are being deployed outside existing branch locations to provide round-the-clock availability, with the potential to extend into new sites such as shopping malls at a later stage. ​
Learn more about Instant Issuance​​​​​​​​​​​​​​​​​​​​​​​​​​​​