Powered and Next-Generation Cards – The Only Event of the Year Focusing on Biometric Smart Cards

By | June 21, 2018

The Asia Pacific Smart Card Association (APSCA) is back with the year 2018 edition of the world’s only conference fully dedicated to Powered and Next Generation Cards. This year there will be strong focus on Biometric Smart Cards with presentations and a seminar that will be participated by leading payment networks.

The conference, that this year will be held on 17-18 July 2018 in Singapore at Novotel Clarke Quay, will include the following sessions:

Day 1

Introduction to Industry Session

This session is for the payment card and identity card ecosystem to explore how to work together on strategies to develop the market for next-generation cards. The intended audience is card manufacturers, card integrators, card component suppliers (inlay, secure element, biometric sensor, display module, Bluetooth interface, etc.), personalisation bureaus, manufacturing equipment suppliers, test and certification houses. International and domestic payment card schemes, as well as issuers, are welcome to participate.

Greg Pote, Chairman, APSCA


Success factors for biometric cards 

An overview of the status of the biometric card manufacturing business and what will need to happen for biometric cards to escape from their current niche and become mainstream products. The presentation will use case studies of some of the biometric card solutions that have been developed by the industry so far and explore both technical as well as commercial challenges that need to be addressed. 

Thomas Decker, Vice President, Business Line Finance, Linxens


Simplified manufacturing of touch and pay dual-interface cards 

Cardholders may fear that stolen contactless payment cards can be used by thieves (correct) and/or that their payment account information might be skimmed through the card contactless interface (incorrect). Biometric dual-interface payment cards effectively address both these negative perceptions and contribute to a larger market for contactless payment cards. This presentation explains how card manufacturers can produce biometric contactless payment cards using the inductive coupling technology which eliminates the need for direct connections in the card body.

Vernon Heng, Sales Director Asia, Smart Packaging Solutions (SPS)


Fingerprint sensors for smart cards 

Biometric enabled cards must be thin, bendable and require limited processing power. Touch sensors for on-card biometric matching need to be designed for integration into ISO ID-1 form factor cards designed for smart payment and identity applications, using standard card manufacturing processes. This presentation will discuss results from two successful end-user trials of biometric payment cards in South Africa with a leading supermarket and with a major bank, as well as further ongoing trials in Europe and Asia-Pacific. 

Brian Roberts, VP of Marketing and Product Management, IDEX


Day 2


Cards are back in vogue 

After years of predictions that mobile is the future of everything, there is now a renewed focus on cards. Customer preferences today suggest that the future of consumer payments and personal identity is likely to include both card-based and mobile solutions. Today new and innovative technologies from outside the card ecosystem are enabling the development of card solutions that offer differentiated and higher value products for customers. The card business continues to grow in both developed and emerging markets and even Fintechs are seeing the potential of cards.

Greg Pote, Chairman, APSCA


TUTORIAL: Biometric Smart Cards 101

In this session an independent expert provides a biometric card tutorial for issuers. The tutorial begins with key definitions and explanations of how different biometric cards operate, leading to guidelines on how to select biometric card solutions. A basic understanding of supply chain issues, biometric card production and personalization is important for evaluating suppliers and their proposals. This tutorial also includes examples from recent pilots and rollouts and a market outlook with adoption trends and risk factors.

Introduction and definitions
– What is a biometric smart card?
– From TOC to MOC to Biometric-System-on-Card (BSoC)
– Biometric card applications

Selecting a solution
– Anatomy of a biometric smart card and FPCB
– Operating strategies for biometric smart cards
– How biometric smart cards are powered
– Biometric sensor performance criteria

Technology considerations
– Brief overview of key manufacturing steps
– Personalisation of biometric smart cards
– Biometric card components & future integration
– Standards, testing and certification 

Evaluating suppliers
– Understanding the biometric card supply chain
– Biometric card solutions providers and card manufacturers
– Analysing what the industry is offering
– Recent biometric smart card pilots/rollouts

Business outlook
– Forecast for biometric card shipments
– Outlook for adoption of biometric smart cards
– Potential risk factors for market growth

Antonio D’Albore, Founder and Editor, Embedded Security News


Bringing the convenience and security of biometrics to card payments 

Biometrics can transform how customers use and value bank-issued cards. As well as offering an improved user experience, biometric cards also allow customers to make high-value contactless transactions without the need to enter a PIN. How can issuers deliver these benefits to payment cardholders and how can biometric payment cards be rolled out while minimizing infrastructure upgrades? How should issuers provide the convenient enrolment and customer service experience that needs to support biometric payment card products? This session provides learning and experience from the first worldwide contactless biometric card pilot launched with Bank of Cyprus.

Nicolas Valette, Product Marketing Director, Payment Cards, Gemalto


Presentation title to be advised 

Tac Watanabe, Executive Vice President, Brand Infrastructure & Technologies Department, JCB


  Discussion: Go-to-Market Strategies for Biometric Cards

In this session speakers take questions and discuss how issuers should develop a go-to-market strategy for biometric card products. After defining the target market, the two most challenging issues are likely to be the business model and issuing cards to customers. Are there new business models that issuers should consider to manage the higher ASPs of biometric card products? How should issuers manage the new challenge of customer biometric registration? Is the onboarding process an additional cost or an opportunity?

Antonio D’Albore, Embedded Security News
Nicolas Valette, Gemalto
Patrice Meilland, IDEMIA


Biometric payment cards – where are we now 

Consumer acceptance of fingerprint authentication on smartphones is paving the way for biometrics in new form factors. The success of contactless payments has created an opportunity for biometric smart cards as the next evolution in payment cards. Biometric cards offer the simplicity and convenience of a contactless tap while also securing every transaction. This session provides details of consumer research, industry experience, supply chain scalability, live trials and payment card product rollouts to illustrate why 2018 will be the turning point for on-card biometrics.

Roger Carriço, Head of Sales EMEA & LATAM, Business Line Smartcards, Fingerprint Cards


Why the enrollment process for biometric cards is critical 

The most important factor determining the success of biometric payment card products will be the customer biometric enrollment process. Customer fingerprint registration should be an ergonomic and frictionless process that produces high-quality templates to allow for flexibility of customer finger positioning on the sensor when making card payments (even with wet, dry or dirty fingers). Fingerprint registration will also have to be easy, convenient and user-friendly, preferably without requiring customers to go to the bank branch. Self enrollment will be the target objective.

Radek Matyasek, SVP Sales, EMEAI, NEXT Biometrics


Next generation biometric cards 

Surveys continue to show that customers rapidly becoming familiar with biometrics and enjoy this convenient approach to authentication. Here Mastercard discusses the business case for next generation biometric cards which combine chip technology with fingerprint biometrics to conveniently and safely verify the cardholder’s identity for in-store purchases, while using existing EMV payment terminal infrastructure. Next-generation biometric payment cards build on fingerprint scanning technology used for mobile payments today and can be used at EMV terminals worldwide.

Nimit Gulati, VP – Authentication & Identity Solutions, Asia Pacific, Mastercard


Ready for biometric cards 

In a recent Visa survey of 1,000 Americans exploring awareness and perceptions of biometric authentication, a key survey finding was that consumers were most familiar with fingerprint recognition, with 30 percent having used it once or twice and another 35 percent using it regularly. This discusses findings from Visa Ready for Biometrics trials of fingerprint sensor-based payment systems with two partners that offered customers the opportunity to use a fingerprint sensor on their bank cards to verify their identity rather than a PIN number, password, or signature.

Mark Rigby, Senior Director, Global Risk & Authentication Products, Visa


Potential security issues for biometric cards 

This presentation compares the card architecture of traditional chip-based versus biometric cards, explores some of the potential security issues arising from biometric cards and proposes how they can be secured. This will examine industry specifications for biometric cards, their different architectures and approaches and how the architecture of biometric cards differs from traditional single-chip cards. This highlights some of the issues and challenges that have been faced in evaluating biometric cards and shares experience based on real situations that have been addressed.

Lin Chee Kheong, Principal Advisor, Transaction Security Division, UL


  Discussion: What’s Next for Biometric Cards? 

Speakers take questions and discuss how the market for biometric smart cards is likely to develop. Will on-card biometrics completely replace PIN as the new CVM for in-store and ATM transactions? What will be the impact of biometric cards on the contactless payment card market? Will the concept of low-value versus high-value, and contactless payment thresholds, disappear? What levels of on-card component integration will be possible and to what extent could this reduce the ASPs for biometric cards? Will biometric cards become the new standard for financial payment cards?

Henrik Nilsson, Fingerprint Cards
Radek Matyasek, NEXT Biometrics 
Speaker to be advised, Mastercard
Speaker to be advised, Visa
Lin Chee Kheong, UL

More information on the event are available on the APSCA website.