future card products final - icma … · future card products final.pptx author: david tushie...

Future Card Products What’s Coming Next

Magellan Consulting, Inc.

David Tushie Magellan Consulting, Inc.

Timeframes

u Near Term u Longer Term

Magellan Consulting, Inc.

2

The wisdom of…

“It's tough to make predictions, especially about the future.”

- Yogi Berra

“We always overestimate the change that will occur in the

next two years and underestimate the change

that will occur in the next ten. Don't let yourself be lulled

into inaction.”

- Bill Gates

“Capitalism can only be understood as an evolutionary

process of continuous innovation driven by the perennial gale of

creative destruction.”

- Joseph Schumpeter

“It’s tough to make predictions, especially about the future.”

Magellan Consulting, Inc.

Near Term Prospects

Magellan Consulting, Inc.

Longer Card Life

u Card Life: 3 years u Life Affected by

§  Materials §  Manufacturing Processes §  Perso Durability/Readability

Magellan Consulting, Inc.

5 years

Card Life: Materials

u Polycarbonate and Composite §  PVC/PC composite development §  Fused layers

§  Less reliance on adhesives

Magellan Consulting, Inc.

Card Life: Processes

u Reduce card to card variation u Low Stress Levels u Eliminate delamination u Reliability of electronic components u Security feature integrity

Magellan Consulting, Inc.

Card Life: Perso Durability

u Laser u Tipping/Topping Foil u Magnetic Stripe u Chip u Printed Image

Magellan Consulting, Inc.

Longer Term Prospects

Magellan Consulting, Inc.

Technology Developments

u High Integrity Secure Credential u OLED Displays u Issuer Applications u Driver Licenses & Secure ID

Magellan Consulting, Inc.

Secure Credentials

u Mobile Wallet Focus

Magellan Consulting, Inc.

OLED Displays

u Full Surface Display u Contactless Vicinity and Proximity u Digital Images u Photo, Fingerprint Biometrics

Magellan Consulting, Inc.

Contactless Cards

u Apple Pay NFC

u Card

u Power Harvesting

Magellan Consulting, Inc.

Biometrics

u Fingerprint

u Facial u Iris u Voice

Magellan Consulting, Inc.

Issuer Applications

u Suite of offerings

u Digital images per application

u Cardholder choice

Magellan Consulting, Inc.

Drivers License/Secure ID

u ISO 18013

u EU Drivers License Standard

u AAMVA Drivers License Spec.

Magellan Consulting, Inc.

Summary

u Near Term

§  Technology employed will drive durability

u Longer Term

§  Technology deployed will fundamentally change the card industry

Thank You! David R. Tushie

Magellan Consulting, Inc. 7825 Washington Ave. So.

Suite 500 Minneapolis, MN 55439

USA dtushie@Magellan-Consulting.com

+1 612.747.6553

Magellan Consulting, Inc.