Card Management Platform

Enterprise Card Management Platform is an “end-to-end” platform managing the entire life cycle of cards (Debit, Credit, Prepaid, etc.), customized or co-branded.

The platforms provide a comprehensive card issuance, management, and transaction processing infrastructure, enabling financial institutions to integrate these processes directly into their existing systems for all types of cards (Debit, Credit, Prepaid, etc.), offering customisation options like white-labeling and personalized card programs.

The platform handles all critical functions including instant card issuance as well as OLI technology is provided for Debit Card on-line transaction authorization.

The customer application process (front and back office) is supported by dedicated functions orchestrated by the workflow engine, allowing an easily integration with other subsystems. AML questionnaires are also provided all along the workflow.

Once approved, the card undergoes network validation and physical personalisation (according to the product type and client’s instruction) with security features before being shipped to the customer for activation. After activation, the card’s entire lifecycle is managed (renewal, blocks, SMS notifications, limit and/or fees and commissions updates, etc.), coordinating with acquirers and card networks.

The platform allows multi-product Inventory Management. It is possible to configure the characteristics of the card (i.e.: tenure, type, type of PAN, etc.) and all the technical data required by the specifications for the customisations. Alert features are provided to inform about the needs of cards replenishment.

Dedicated inquiries and reports allow the authorized users to monitor and control the overall Card business such as:

• Cards issued but not yet delivered to the customer
• view all the cards issued to customers, with details of both the card, customer and connected account.
• view the details of all operations performed on cards.
• view the details of clearing and settlement for each day for the international circuit
• details of authorized transactions in the chosen range of dates

Dedicated Module for Acquiring and Merchants are also available.

The Platform leverages the full potential of Enterprise IT solutions in terms of:

• Digitalization of the full-set of documents, within a “Paperless” approach all along the several stages of the financing origination workflow.
• Transparency and Traceability;
• Effective Communication with Customers;
• Availability 24×7
• Easy of Use thanks to intuitive and friendly Graphical User Interface with added compliance with European Accessibility Act
• Full automation of accounting and revenue cycle
• Configurable Workflow leading the Issuing and Embossing cycle
• Agility: hundreds set-up & tuning functions;
• Improved “Time-to-Market” for new products and services implementation.
• Easy configuration of internal policy, parameters, attribute domains, etc.
• Multi-bank operation capability
• Multi language (Users and clients)
• High level of Security and Auditing functionalities
• User rights and authorization matrix; 

Technological Framework

Main Caracteristic

All our Products were built in a structured environment that includes:

• Proprietary software framework (implemented with JAVA and REACT technologies)
• Cloud-agnostic containerization
• Efficient DevSecOps workflows
• Ready-made controls for security and data protection (token-based access, cryptography, least privilege principle)
• Data caching strategies
• Multi-Factor Authentication mechanisms (PSD2 compliant)
• User’s experience certification (cross-browser compatibility and accessibility compliance)
• Multi-channel endpoints (Web, API, Mobile App and Legacy Systems)
• Microservices infrastructure

Enterprise Software Framework

Based on modern architectural principles, our framework guarantees high software performance, maximizes reusability of code and reduces errors and impact of changes. In addition, ready-made controls and patterns makes our Products more secure and robust and fully compliant with standards and recommendations.

Microservice infrastructure implements more than 500 functions, within a service catalogue of APIs collected in 16 areas

The modularity of the framework simplifies the deployment of our Products that can be distributed in cloud or on premises, on virtual machines or containers.

Standards and Recommendations

We are compliant with:

• ISO 9001
• GDPR (EU Regulation 2016/679)
• ISO/IEC 27001:2022
  • Application Management
  • Service Management (Cloud)
  • Consultancy
• ISO 20022 – SWIFT Message
• OWASP Developer Guide https://owasp.org/www-project-developer-guide/
• OWASP DevSecOps Guideline https://owasp.org/www-project-devsecops-guideline/
• NIST Special Publication (SP) 800-160 https://csrc.nist.gov/pubs/sp/800/160/v2/r1/final