Nordic Card Markets (2006)

http://www.axalto.com

Axalto is the world's leading provider of microprocessor cards (Gartner 2005, Frost & Sullivan 2004). Its 4500 employees serve customers in more than 100 countries.
Axalto continuously creates new generations of products for use in the finance, retail, telecommunications, transport, entertainment, healthcare, personal identification, information technology and public sector markets.

http://www.bbs.no

Bankenes BetalingsSentral (BBS) is The Norwegian Banks` Payment and Clearing Centre and a leading provider of services to the Norwegian finance institutions. BBS was established in 1972 for increasing the efficiency of payment services in Norway and is owned by the banks in Norway. Today BBS’s business areas include: 1. Information services 2. Trust services 3. Card payments 4. Giro payments 5. Interbank clearing and settlement services Although BBS’s current operations are primarily associated with Norway, the company plays an active role in supporting its customers’ internationalisation outside Norway and selected European projects. Over the years, BBS has led expert work groups at the European Committee for Banking Standards (www.ecbs.org), Mobey forum (www.mobeyforum.org) and has supported Nordic Banks in establishing and managing “joint Nordic initiatives”.

First Data is Europe's leading independent transaction processor, offering a full portfolio of banking services and systems for card issuing and merchant acquiring, ATM and POS terminal management, switching and authorisation, card management and customer management. We are present in 27 countries across Europe, Middle East and Africa, supporting the local and cross-border strategies of more than 100 clients.

http://www.pbs.dk/se

PBS develops and handles solutions within payment systems and PBS is today among the leading suppliers in payment solutions where payment cards and payment services are the primary business areas. In close cooperation with our customers we create flexible, tailored and secure solutions to match our customers’ individual requirements.
With more than 35 years of experience in payment cards, PBS has a solid foundation both nationally and internationally.

http://www.wmdata.com

Procard, owned by WM Data, is a Nordic end-to-end card and payment service bureau with more than 30 years experience in the financial marketplace. Among our clients are the majority of the Nordic banks as well as Government’s, Retailers, Internet companies and Security organisations. We provide Issuing, Clearing and Acquiring services.

www.s1.com (soon to incorporate www.mosaicsoftware.com)

S1 (incorporating Mosaic Software) delivers customer-facing software solutions for financial services and offers unique solution sets for specific market segments, including solutions for financial institutions, retailers, processors and telcos. S1's Postilion product is at the forefront of next-generation payments processing software - 250 customers in over 50 countries use Postilion to provide leading-edge consumer transaction processing.

http://pointinternational.com

PoinSys is the latest addition to the Point International Group. The business group is divided by countries in the Nordic and Baltic region. We develop and sell fast and secure solutions for electronic card transactions. Besides hardware, we also deliver services such as helpdesk, deployment, routing, parameter- and program downloading.

http://www.sagemdenmark.com

Sagem Denmark is a World Leading provider of high security payment solutions.
Sagem Denmark's main product lines are:

• Unattended payment solutions for Petrol stations, Parking, Ticket Vending Machines, kiosk etc.
• Encrypting PIN pads for use in Automatic Teller Machines (ATMs) and self-serve payment solutions.
• POS payment terminals for integrated multi-lane and stand alone applications.