Future ATM Experiences Must be Personalized

A new report form Aite Group looks at the evolution of the ATM channel
through 2010. As banks embrace the potential to add additional features
and functionalities to ATMs, they realize that they must first update their
underlying technology. In five years, 91% of ATM executives indicate it
will be important or extremely important to their bank’s strategy to
create a differentiated ATM experience through customer personalization.
If the foundation is not yet built, banks will not be able to provide
the level of personalization their peers are currently starting to
implement.

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MEDMOBILE

Hypercom Corporation announced that German
health care organization Gematik has notified the company that its
medMobile(TM) terminal is now BCS (Basic Command Set) approved. medMobile
is an ultra secure mobile device specifically designed to support the
thousands of physicians who make house calls/visits throughout Germany
and those that practice at hospitals, pharmacies and geriatric
institutions, such as residential care homes. Hypercom’s medMobile sets
a new benchmark for mobile health care
devices. The innovative terminal for physicians on the go features a
high contrast graphical display, built-in PIN Pad, integrated Health
Professional Card (HPC) and electronic health card (eGK¹) readers,
long-life Li-ion rechargeable batteries and USB connectivity for fast
downloads to physicians’ computers.

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PAYPOINT 2008

Online payment service provider PayPoint.net announced significant
growth in revenue, profits, transaction volumes and consumer spend during
2008-09. The business reported revenues of GBP8.0 million during the year
ending 29 March 2009, a 63% increase over the previous financial
year, while transaction volumes increased by 40% and online
spending increased by 36%. Highlights of the past year include the
launch of the PayPoint.net brand following the integration of SecPay and
Metacharge; 350 new merchants secured; the partnership with PayPal; the
launch of PayCash, a service enabling shoppers to pay in cash for the
goods they buy online and extensive upgrades to PayPoint.net’s fraud
management platform for gaming providers, enabling them to set
sophisticated fraud detection rules.

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CPI & ISO

CPI Card Group announce that CPI – Liverpool has successfully completed
and passed its reaccreditations to both the International Standards ISO
9001:2000 (Quality) and ISO 14001 (Environment). The ISO 9001:2008
version introduces several new concepts into Quality
Management Systems, including considerations for regulatory and
statutory compliance, control of customer specific intellectual data,
warranty, maintenance, recycling and final disposal information. In all,
it looks at the overall business in terms of risks and business
continuity plans. The latest changes to the previous version also
include realigning the clauses of the ISO 9001 Quality Management
Standard with the ISO 14001 Environmental Management Standard for
clarity. In addition to the
reaccreditations, CPI will be upgraded to the new ISO 9001:2008
standard, which is a unique achievement in the card industry. To our
knowledge, we are one of the first card personalization bureaus to
achieve automatic upgrade to the new standard.

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Business Cards Fuel 2008 Microbusiness Lending

An analysis of small and microbusiness lending has found that the
number of microbusiness loans (under $100,000), rose 15.7% during the
first half of 2008 while the number of mid-sized loans ($100,000 to $1
million) fell by 23.3%. The Office of Advocacy of the U.S. Small
Business Administration says the research indicates that more loans are
being made through business credit cards. The “Small Business and Micro
Business Lending in the United States for Data Years 2007-2008” report
found that the total value of small business loans outstanding increased
4% and the value of microbusiness loans outstanding increased 6.8%. Both
rates were down from the previous one-year period, but they were still
in positive territory. The report ranks lenders on their overall small
business lending, not lending under SBA programs.

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DOMINOS & SQUIDCARD

Domino’s Bolton franchise is
introducing its own branded smart card payment system using London-based
sQuidcard’s tap-and-go eMoney technology. Domino’s customers can
register their cards online and then view their
transactions, top-up their card and receive special deals by email. They
can also top-up their card in-store and at the other numerous locations
using sQuid. sQuid has a multi-purse capability and is compatible with
ITSO (transit)
schemes. sQuid operates enhanced security between the card, the terminal
and the payments engine, and allows additional functions to be delivered
to the card holder and the retailer. This enables a sQuidcard to be used
not only for low value purchases but also as a pre-pay transit card.
The Bolton franchise of listed company Domino’s Pizza is the first in
the chain to adopt the sQuid technology.

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Hispanics Most Optimistic Over the U.S. Economy

A new survey has found that despite the economy, nearly one in four
Americans plan to start a business. To achieve long-term goals,
consumers are dramatically changing their bill payment behavior.
According to the Western Union Payment Services “Money Mindset Index”
33% are prioritizing which bills get paid first; 25% want new ways to
track their spending and 21% seek new bill payment options. The “Index”
revealed that Hispanics are especially optimistic about their
financial future. Nearly 70% see their financial situation
improving in the next six months. This optimism is likely linked to
changes they plan to make to better manage their finances. For example,
nearly two-thirds will cut back on unnecessary spending in
the next six months and only 12% plan to borrow money from family
and friends, down from 16% six months ago. Additionally, more
than half have created or are planning to create a budget in the next
six months, compared to 42% of consumers overall.

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M-Payments to Grow at a 35% CAGR Thru 2012

The mobile payment industry will grow at a 35% CAGR for the next five years. A new research report has found that the number of mobile payment users worldwide will total 73.4 million in 2009, up 70% from 2008’s 43.1 million users. Gartner predicts that the number of mobile payment users will reach more than 190 million in 2012, representing more than 3% of total mobile users worldwide. The research firm expects Asia/Pacific and Japan to maintain a larger share of the market
through 2012. While mobile payment penetration in Western Europe is
expected to rise from 0.9% in 2009 to 2.5% percent in 2012, and
from 1.7% to 3% in North America; penetration in Asia/Pacific and Japan will rise from 2% in 2009 to 3.8% in 2012. Mobile payment penetration in Eastern Europe, the Middle East and Africa (EMEA) and Latin America is also expected to exceed 3% by 2012. Gartner defines a mobile payment as paying for a product or service using mobile technology such as a short message service (SMS), Wireless Application Protocol (WAP), Unstructured Supplementary Service Data (USSD) and NFC.

GLOBAL M-PAY USERS
2008: 43 million
2009: 73 million
2010: 98 million
2011: 132 million
2012: 190 million
Source: CardData (www.carddata.com)

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CPI’s Liverpool Plant is ISO Reaccredited

CO-based CPI Card Group’s Liverpool UK plant has completed and
passed its reaccreditations to both the International Standards ISO
9001:2000 for Quality and ISO 14001 Environment. Certification to these
ISO standards is consistent with CPI Card Group’s
global quality approach to card production and personalization. ISO
9001:2008 and 14001 provide the integrated framework and discipline
required to run a world-class personalization bureau. The ISO 9001
Quality Standard is an international standard that is
recognized and used by over 150 countries worldwide. It establishes a
common framework for organizations to document, control, monitor, review
and continuously improve their businesses.

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Sino Payments Targets China/Asia Merchants

Nevada-based Sino Payments has signed a MOU for merchant acquiring
with payment solution provider BCS Holdings. Sino Payments and BCS are
developing a merchant sales and marketing
program for Greater China and other in Asia by the end of 2009 on
behalf of Sino Payments. Sino Payments focuses on providing IP credit and debit card processing services to large retail chains in China and
throughout Asia including supermarket chains and large regional
multinational retailers.

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