Page 40 - GS131201
P. 40
CoverStory
movies and videos will be distributed and how they will "The SCA began as an organization primarily focused
make money from that," Chatelain said. on the payments industry," said SCA Executive Director
Randy Vanderhoof. "Over time, the smart card industry has
Cross-chapter dialog between the Silicon Valley and spread to other uses of smart cards, such as government ID
European chapters has helped members gain an cards, mobile phones, transportation systems, health care,
understanding of how to address regional differences in access control systems and network security."
infrastructures and technology. "With mobile in Europe, it's
best to be aware that people are using NFC everywhere," Vanderhoof said that within the past decade, the smart card
Chatelain said. "And on the other side, you have mobile industry has diversified and matured as a technology and
in the U.S., where everybody has mobile and they make now represents a much broader marketplace than the single
payments." vertical market of payments. The SCA established a Latin
America chapter in 2005 and now has members from U.S.,
Resource for smart alliances Latin America and international organizations engaged in
every aspect of smart card technology. Also involved are
Priming the U.S. market to make the switch from mag
stripe card technology to the Europay/MasterCard/ government institutions, consultants and end users.
Visa (EMV) standard for chip-enabled cards is no easy
task, especially when you consider the phase-in period In addition to hosting conferences and periodic SmartTalk
mandated by the major card brands ends October 2015 for web seminars, the SCA offers online resources and courses
most merchants (October 2017 for the petroleum industry) including the Certified Smart Card Industry Professional
at which point fraud liability for noncompliance will shift program for individual members, as well as a Leadership,
to the least secure party on the transaction chain. Education and Advancement Program. Last year, the
SCA introduced the EMV Migration Forum to support
organizations in the implementation of EMV contact and
Back in 1992, years ahead of the curve in championing
smart card technology in the U.S. market, leaders from contactless technology.
the banking and smart card industries formed the Smart More movers and shakers
Card Forum. The Smart Card Forum merged with a
second industry organization, the Smart Card Industry Outside the U.S. market, Helsinki, Finland-based Mobey
Association, to establish the Smart Card Alliance in 2001. Forum was established in 2000 to accelerate mass
deployment of mobile financial services. Membership in
Has Danielle taken you on the bank-supported forum has since embraced payment
processors, mobile manufacturers and vendors from the
your personalized mobile money sphere.
virtual tour yet? Munich, Germany-based Smart Payment Association
was created in 2004 to offer smart and secure payment
system guidance to international members. In October
2013, a group led by Payvision launched the Cross-Border
eCommerce Community in Amsterdam, to serve as a
resource for global expansion in e-commerce for businesses
and acquirers alike.
Here in the United States, the Electronic Payments
Coalition, comprising credit unions, community banks and
payment card networks, seeks to educate policymakers,
consumers and the media about electronic payments' role
in economic growth. The recently launched CardLinx
Assocation hopes to increase interoperability and growth
of the card-linked-offers industry.
Vanderhoof noted that the payments industry is facing
change on three different technology and business fronts:
the transition from mag stripe cards to EMV chip cards,
the growth of mobile payments, and the challenge of
addressing fraud in the card-not-present, e-commerce
channels. In moving forward, innovators will likely
disrupt the current payment ecosystem. Perhaps the balm
Call Danielle directly is in communities of competitors working collaboratively
707-284-1686 through industry associations.
40
