Digital cards and instant issuance are the new normal

Consumers today are looking for convenience beyond anything else. They are accustomed to digital and mobile experiences in their everyday lives and want convenient, seamless digital services.

In this digital-first world, the digital card is fast becoming an essential complement to the plastic card.

"Customers expect digital-first experiences. To meet their needs, banks now need to offer their customers an instant and mobile-first banking experience. This is the new normal and now a market standard.” says Antelop's CEO Nicolas Bruley.

"Digital cards address this change in consumer behavior and enable instant card issuing on the consumer's mobile device. This leaves the physical card as an option: digital cards can exist as a standalone offering or as a complement to an existing physical card.

"Banks can then offer their customers a wide range of new services based around digital cards. In addition, issuing fully digital cards cuts costs and reduces a bank's carbon footprint as plastic is no longer required."

Reducing complexity for banks and card issuers

Digital cards have been made possible by the new tokenization systems introduced by the card networks — Mastercard MDES, Visa VTS, Cartes Bancaires CB Digital Hub and so on. These have allowed banks to digitize their card portfolio, replacing sensitive card numbers with tokens dedicated to specific use cases for enhanced security.
The market is now increasingly moving away from old EMV physical cards towards purely digital cards.

With this move has come a significant increase in complexity. Banks are now faced with multiple tokenization systems (Visa, Mastercard, local schemes, the future European Payments Initiative, etc) and related innovations. In order to implement such innovations, issuers often rely on several card systems, with as many features as solutions.

This means that they can often struggle with a multiplicity of backend integrations, creating greater complexity, less agility and longer timelines for project implementation.

Furthermore, digital cards require close integration with mobile banking applications. Today it’s the banking application that brings the most value to the customer, demanding that all banking and financial activities need to happen in one application: card enrollment, payment, balance check, card management, authentication, etc. To offer digital cards that add real value to their clients, banks need a unified service directly integrated into their mobile applications.

Programs such as Mastercard’s recently launched Digital First enable banks to implement full digital card issuance with partners such as Antelop.

The One Digital Card solution by Antelop

The Antelop One Digital Card solution enables issuers to provide their customers with a unique digital-first experience.

All digital card features in one single solution

The Antelop One Digital Card SDK lets banks replace complex integrations with a single unified and simplified digital card integration that delivers a full range of digital card features through a mobile-only integration — with little or no backend development required.
Unified Customer Experience One Digital Card.png

Bring all the value added digital card features directly into your mobile banking application through one single mobile software development kit for Android and for iOS.

The solution guarantees a holistic customer journey within the banking app so that the user can activate a digital card, push it to both digital wallets and e-commerce merchants, self-manage their card and make payments with it.

With the Antelop One Digital Card, every bank can now go mobile-first!

All digital card use cases are included

The One Digital Card mobile solution by Antelop offers all the digital card features your customers expect:

Video KYC: Onboard customers with unique video-based ID verification. Enable users to open accounts 100% remotely.

Instant issuing: Provision your cards to your customers' mobile banking in real-time.

NFC issuer wallet: Turn your mobile banking app into an NFC wallet. Maintain strategic links with customers through NFC mobile payments.

Push to x-pays and merchants: Enable customers to conveniently and securely push cards to Apple Pay, Google Pay, Samsung Pay, etc and to both “Click to Pay” and compatible ecommerce merchants — Amazon, Netflix, etc — from within their mobile banking app. Simplify digital card activation from banking apps for all use cases.

Token manager: Let the customer self-manage their digital cards. Provide a state-of-the-art self-care management tool while reducing human support.

Display card: Securely display card information in the application. Let customers pay on the internet without using a plastic card.

PIN in and out: Securely display the PIN code in the application and let customers choose the PIN for their card. No need to send or resend a PIN message/email, the PIN is immediately available in the app.

Strong customer authentication: Use the ‘chip-like’ security of payment solutions to provide both super-secure and convenient customer authentication (eg for 3DS Secure). Achieve compliance with the European PSD2 directive whilst retaining a convenient user experience.

Innovation ready: The One Digital Card solution allows for the integration of future innovations introduced by the card networks. It enables banks and card issuing processors to incorporate continuous innovation in their digital card services.


The One digital card SDK by Antelop

Simplified integration and maintenance

The Antelop One Digital Card offers one single integration for all features:

Multiple solutions and providers are no longer required: we include all the features you need in one single integration.

One Digital Card is built on services offered by card networks to ensure easy integration and maintenance.

The solution provides full embedded protection for all flows and assets, with integrated security.

The potential for mobile-only integration. Core digital card features can be integrated in a mobile application without any backend integration.

The Antelop One Digital Card mobile SDK relies on three integration principles:

Initialize the SDK embedded in the mobile application

Push card(s) in the SDK via the mobile application

Access all features directly from the app, potentially without any further backend integration (depending on the services used — PIN display and management require additional web services).

Flexible options

We offer three different options for your mobile-side integration: SDK, white label application or white label screens including source codes:


Option 1: SDK

Antelop provides a unified SDK for Android and iOS that supports all digital card features

Maximize the potential for customization by integrating services directly into your banking application.

Option 2: White label application

A standalone application that can be customized to match your look and feel

Potentially zero integration required

The white-label application source code can also be provided in order to accelerate custom developments.

Option 3: White label components

We can also provide pre-compiled features that can be embedded in any existing Android or iOS application, working on top of the SDK.

These components enable simplified integration and maintenance of the digital card features in the application

Prerequisites

The only prerequisite for deploying the Antelop One Digital Card is for a bank or card issuing processor to already be compatible with tokenization.

Don't already support tokenization? Our Issuer Token Service Provider (iTSP) hub provides a simple way to connect to Visa VTS, Mastercard MDES and more, so you can accelerate your project. Contact our team to find out more.


Go digital first with the Antelop One Digital Card

Antelop’s One Digital Card solution brings banks and issuing card processors all the digital card features you need through a mobile-only integration, enriching your value proposition for your customer.

For banks

With Antelop’s One Digital Card, you can quickly and easily offer all digital card use cases to your clients:

A unique digital card experience: Provide a fully digital and mobile-first card experience to your customers and offer the convenience of instant digital card services.

Leading innovations for banking apps: Offer the latest digital card features and innovations directly in your banking app.

Simplified integration: A single SDK integration to support all digital card use cases and the possibility of no backend integration at all.

Fast time to market: Mobile-only and no more backend complexity lead to a quick and simple project with Antelop.

A unified service: No need to assemble multiple heterogeneous components.

Complementary or standalone: Upgrade your existing bank app and card portfolio or build a new digital card program with an all-in-one solution for your customers.

Certified solution: Antelop is fully certified by the major payment schemes including Visa, Mastercard and Cartes Bancaires.