Getting a credit card PIN should be fast
At Thales, we believe that power is shifting to the companies that master the customer experience.
Financial institutions need to reimagine their core journeys from front to back by addressing key customer pain points, identifying new opportunities to delight customers in differentiated ways.
The bad news?
The way the credit card PIN (or personal identification number) is delivered today remains friction for the end-user.
The good news?
Thales Gemalto Digital PIN provides an end-to-end SAAS solution that allows financial institutions to encompass card PIN code management from definition to delivery via digital channels.
Digital PIN is part of a broader service portfolio.
Moving to Gemalto Digital PIN
Moving from paper to digital is critical for a successful, seamless digital experience: it should only take a few seconds to receive a card PIN and start using a card on the go, not days…
It's just a four-digit code, right?
Digital PIN is simply a must-have – a future proof standard easy to implement and yet so critical/important for end-users.
This award-winning solution brings many other benefits:
Digital PIN: a complete but straightforward offer
The Gemalto Digital PIN offer includes all card PIN possibilities:
- The initial PIN distribution for a new credit card to be activated and used on the go
- The PIN reminder for existing cardholders who need to remember quickly their PIN
- A PIN definition feature, to allows holders to choose a memorable PIN code
- Notification Services linked to card production and based on card status
Select your preferred digital channel
SMS, mobile app or web?
PIN by SMS
The PIN by SMS is a cost-effective method that requires neither an internet connection nor a smartphone to deliver a PIN. A useful channel for the low penetration smartphone market and an added value for the diversification of the delivery channel.
PIN by APP
The PIN by App function is embedded within a mobile banking application to receive the PIN. Cardholders that are already familiar with an application won’t be lost when the PIN distribution by the app is offered as a new added-value service.
PIN by WEB
The PIN by Web function is integrated into a bank’s website so that the PIN can be provided online. Using the same familiar web interface makes it more convenient for end-users and also a way to help driving traffic.
PIN definition: Let your customers choose
their card PIN
PIN Definition gives the cardholders the option of defining their PIN for their new card through a mobile banking application or website. This self-select PIN option means they can pick a memorable code for their credit card. It also helps cut costs for banks as they get fewer calls to their helpdesk and fewer cards blocked.
Notification Services: track your card delivery
The Notification Services are linked to card production and based on card status. For example, this allows cardholders to be informed in real-time of the status of their card delivery with an SMS notifying them when their card has been dispatched. Banks can also leverage this service to initiate the delivery of the PIN-code to the cardholder.
A secure and certified card PIN service
The credit card PIN is the "what you have" factor and, like a signature, the key to authenticate the cardholder and to help protect him/her against fraud.
That's why the Gemalto Digital PIN is a secure and certified service:
Want to know more about sustainable development?
Thales is supporting banks in taking actions towards environmental-friendly practices and sustainability.
The company is presenting an eco-friendly bank card's life cycle model, including a full set of tools that enables its banking clients to build a consistent green strategy.
This model includes dematerialisation solutions (Digital PIN is an example), alternative card materials, green factory and end-of-life management.
Feel free to contact us.