ING Romania EMV Project

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ING Romania EMV Project

• Adrian Apolzan
• Director Retail Client Services

March 06 2007 www.ing.com
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EMV Issuing Project - milestones

• Visa EMV PID approved 26.07.2005
• Contracts signed-off with vendors 16.09.2005
• Card Management Application
• Chip card supplier
• Card personalization system
• Go-Live MasterCard EMV 04.04.2006
• Go-Live Visa EMV 23.05.2006
• VISA EMV Migration started in February 2007 with
  8,279 cards

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POS Acquiring Project

• VISA and MasterCard
• Phase 1 IP solution
• Milestones
• PID approved 27.03.2006
• Pilot phase 11.07.2006
• Go-live 25.09.2006
• Phase 2 dial up
• Go-Live 15.02.2007

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Statistics March 01 2007

• Issuing
• EMV cards 120,917 VISAMasterCard (37,5)
• Magnetic stripe cards 201,465 (62,5)
• Total number of cards 322,382
• Acquiring
• EMV POS terminals 157

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Technical Solution

• Issuing Platform
• Chip technology
• DDA, JavaCard platform
• MasterCard Mchip 4
• Visa VSDC 2.4.0
• Personalisation solution
• Datacard 7000
• Thales Advanced P3 Personalisation Preparation
  Process
• Datacard SCPM - Smart Card Personalisation
  Mananger
• All in-house

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Advantages of EMV vs. Magnetic stripe cards

• More secure during offline and online
  transactions especially for DDA cards
• Better risk management for offline transactions
  (PIN offline, chip decision for online
  transactions)
• Credit risk management - limits can be configured
  for offline transactions
• Non financial applications/applets can be added
  on chip (cardholder authentication MasterCard
  CAP Chip Authentication Programme /Visa DPA
  Dynamic Passcode Authentication, loialty schemes
  , transportation access)
• Last but not least Liability Shift for fallback
  transactions in Visa and MasterCard networks

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QA