We make cards and payments work for people as a part of everyday life

We bring information to life

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EVRY is a leading IT company in the Nordic region. Through advice, technology and solutions, EVRY brings information to life, creating value for our customers’ business to the benefit of society. With a combination of extensive industry experience and a customer centric approach, as well as international capabilities and local presence, we help customers realise the full potential of IT.

EVRY has some 10,000 employees and reports annual turnover approaching € 1,5 billion. The company operates from headquarters in Oslo, Norway.

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Every day more than 4 million people rely on solutions from EVRY to help them travel, shop, bank, entertain, communicate and work.

EVRY plays an important role in society through the scale and significance of the services we provide to Nordic enterprises and to the public sector. In addition to our local and regional presence in 50 Nordic towns and cities, EVRY has even greater capacity through our international delivery apparatus for global sourcing in India, Ukraine and Latvia. The combination of local insight, in-depth market understanding and competitive solutions ensures that we are well-positioned to act as your partner – helping you to meet new challenges and stay competitive.

EVRY is a market leader in the Nordic countries in the areas of bank and finance and the regional SMB market. We also have strong positions in the healthcare sector as well as in the public sector. We will continue to focus on, and invest in, the bank and finance market, while at the same time intensifying our focus on other industries and areas that offer growth potential.

EVRY offers a broad portfolio of solutions to help banks manage continuous change and support the next generation of banking services. We cover all the core services involved in banking – from solutions that support a bank’s internal processes and employees, through to those used directly by the bank’s customers. EVRY is the force behind a whole range of innovations that have transformed and simplified the way people access banking and payment services, as well as many services that are important and beneficial for society.

Within the financial services area, EVRY has 1,490 employees in the Nordics, UK and the Baltics, providing in-depth understanding of the opportunities and challenges that characterise the banking and finance market. EVRY operates a delivery model that is fully integrated with the company’s global sourcing units for greater cost efficiency and shorter time-to-market.

Better placed to support your business

4 Card Services

For millions of people, the card is the preferred way to pay, and they count on it to be there for them every time. At the same time it’s a fast moving market, and consumers are demanding greater security and more convenient ways to pay. For your business to remain competitive, you need not only to keep up, but to stay ahead.

EVRY gives your cards something more. An edge.

Complete service. Greater opportunity.EVRY provides the most comprehensive card services portfolio to businesses across the Nordics, UK and the Baltics. With a full value chain of card services, strong expertise and long experience within the industry, we’re already delivering tomorrow’s services today. We deliver standard service components in a modular structure - a cost-effective solution, but flexible enough to adapt to your needs and to customer demands as their needs change. And all strictly aligned with financial regulations. Which means, with EVRY supporting your business, your cards will always have the edge.

A full value chain of card services

Driftsinntekter 2013

Issuing

Personalization

24/7 Service and support

Acquiring / Merchant services

Fraud prevention services

5Card Services

It is increasingly important for an international bank to be able to offer our branches and their customers good card solutions that easily could be adapted to different national needs, and also permit standardisation of the bank’s common card solutions.

Manager Business Development in Nordic bank

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The most cost-effective solution is the most complete solution.

Flexibility of functions and servicesAll our services can be combined, added or deducted according to your requirements. You pick the services that are right for you; we make sure that all the elements are well-matched and function as a single integrated solution. We also offer interfaces to other market players and suppliers, which means greater freedom of choice and flexibility for you as a customer.

Compliant with standardsThe card industry is intensively regulated and requires certified solutions. No problem. We have all the approved solutions in place and ready for use. Our services are fully compliant with applicable standards as EMV, PCI DSS, Visa, MasterCard, as well as national requirements in relevant markets.

Card-as-a-serviceEVRY is pioneering the Card-as-a-service concept - the complete product sourcing and lifecycle management of all types of cards. We take full responsibility for design, operation and management of infrastructure, as well as the continuing development of standard functions and new functionality, and we continue all the way through to the roll-out of equipment and applications.

All card services covered Unlike other players in the market, we can cover every aspect of your card business - giving you a more streamlined and cost-effective solution. We take responsibility for the complete card lifecycle, from offering the service, manufacture of plastic cards and chips, and operations of the card systems, to opening accounts and ordering cards, manufacturing and personalizing cards, generating and distributing codes, processing, switching, monitoring authorisations and transactions for fraud, renewals, printed invoices, e-invoices, clearing and settlement, blocking services and phone support for cardholders. EVRY’s complete solution also includes project implementation.

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EVRY’s card concept begins where it needs to. At the end.

Your card business in safe handsYour relationship with your customers. Our relationship with you. Both are founded completely on trust. And trust is something we’ve worked hard to build with our clients over many years. With a high degree of quality-assured processes, automation and self-service, we can take responsibility for your card services end-to-end. You can be sure our services meet the needs of your customers in terms of availability and security. So you can focus on what really matters - your customers and your business.

Availability, alwaysWe know that continuity of service is critical for your company, and we place a high priority on the operation of our systems. Where appropriate, we recommend dual site operation, and in the unlikely event that things go wrong, we ensure you have a robust disaster recovery plan in place.

Your customers need to know. And they need to know now. Our specialised service desk handles every enquiry for you - 24 hours a day, via telephone, mail, chat or web-based self-service portals. Which means that you and your cardholders have immediate access to dedicated services and expertise as and when you need them.

What matters most to you, matters most to us. The end user, your customer. The competition for wallet space challenges the market to provide innovative card solutions that genuinely add value for your customers. Our goal is to keep on advancing technology and innovation in order to create secure and reliable card and payment services for our clients.

9Card Services

EVRY’s card concept begins where it needs to. At the end.

When choosing a supplier, it was important to ensure reliable deliveries for our customers. We are very pleased with the expertise and support provided and value EVRY as a highly professional partner.

Head of Business support in Nordic bank

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Delivering the next generation of card and payment services

The world of payments is evolving, and consumer and business behaviour is changing rapidly, moving towards even faster and easier methods of payment. That’s why EVRY is constantly investing in developing and improving innovative and secure solutions. We are working closely with our customers, partners and leading suppliers. For example, we’re unique in offering our customers a cohesive, cloud-based service for the issue of debit, credit, pre-paid cards as well as dual application/combo cards.

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Linking cards with mobile phonesIncreasingly consumers demand apps to help them manage different aspects of their lives – and for card payments too, it’s now pretty much expected. An app that links their pay-ment card with their mobile phone allows your customers to take control and genuinely adds value to your card offering.

EVRY’s service app makes it easier for your customers to keep an eye on spending, check account balances and access blocking, manage PIN codes and top-up services. Many of these services can also be offered as SMS services. For you, the card provider, it represents an opportunity to increase revenue by making services more accessible, to encourage customer loyalty and to reduce costs by allowing customers to serve themselves.

Your card in your mobileWireless technology is here to stay, and the use of mobile smartphones with virtual payment cards as a supplement to cards has arrived. Evolving technologies and consumer preferences keep us ahead of these changes, and we’re driving development in close cooperation with our customers and business partners.

To date, EVRY’s NFC mobile footprint has been to integrate and protect the card data for our banking customers. Now we are launching complete cloud based mobile payment solutions (HCE). We are taking care of the complete value chain for cloud based payments - mobile wallet, virtual card server (HCE Server), tokenisation services, authorisation and card administration including data generating. We act as both a service supplier and as an integrator in the payment infrastructure.

Contactless cards and micro tagsEVRY’s technology for contactless cards and micro tags allows faster and more convenient ways to make payments, both high and low value, reducing the cost associated with cash acceptance. There are several types of contactless payment technology now available which enhance existing debit, credit and pre-paid card payments by combining the security of chip with the convenience of a rapid transaction. For issuers, this offers an innovative and secure way to penetrate new markets, creating competitive advantage and increasing the number of transactions.

Card fraud prevention servicesCard fraud is rising in parallel with increasing card use. Meeting this threat requires better cooperation between the participants in the card services value chain and the authorities. EVRY maintains an active dialogue with the official authorities involved in security issues, and there are several forums where security experts exchange and discuss operational measures to combat fraud.

EVRY’s centre for the prevention of card fraud makes use of shared experience, analytical data, logic and specialist met-hodology to reduce the incidence of fraud. EVRY monitors over 1 billion card transactions around the world - 24/7 - to detect and prevent fraud. Combined with real-time monitoring, these measures have reduced banks’ losses from card fraud by up to 70%.

EVRYS’s credit card solution will enable us to integrate all of our cards into one card platform. This will consequently lead to higher revenues and better customer satisfaction.

Card manager in Finnish bank

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With the market for card services changing constantly, it’s our role to keep customers fully briefed on the latest techno-logical developments and the changing demand for card and payment services. Besides our products and services, we offer regular opportunities for you to meet with our experts and colleagues in the industry to discuss market developments. It’s good to know.

We work with many different customers, in complex envi-ronments that make many detailed demands on our solu-tions. They span 12 different countries and represent some of the best-known businesses in banking and finance, public sector, transport and retail. Diverse sectors, yet all share a need for card solutions that deliver greater efficiency, maxi-mum security and simplicity.

Where our clients are, we are. That means we’re on the ground and ready to serve clients in their local language with consultancy and authentication servers, design, artwork, secure personalization, production, issuance, integration and hosted authentication, fraud services, as well as distribution and fulfilment.

Bringing expertise to you

Get to know us more at evry.com

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We chose to work in partnership with EVRY as we were satisfied with the collaboration we have developed over many years. It is particularly important to have a customer-oriented and reliable supplier with in-depth expertise in the new technology. We believe that EVRY meets our demanding requirements.

Card Manager in UK bank

Design and production: Artbox AS

Print: Printbox AS

The leading provider of card fraud prevention services

# 1 The leading supplier of IT solutions for the bank and finance market in the Nordics

Market leader in Nordic card personalization with

25 million cards produced annually from our sites in Norway, Sweden, Finland and Latvia.

Card services currently delivered to more than

100 card issuers in 12 countries

140,000 merchants20,000 terminals 50 Payment services providers directly connected in Sweden, Finland, Norway and Denmark

Specialists dedicated in serving the banking and finance sector

1,490Card experts

500

Financial Services presence

Sweden – StockholmNorway – Oslo, Trondheim, Bergen, Mo i Rana Finland – HelsinkiDenmark – CopenhagenUK – LondonLatvia – RigaUkraine – KievIndia – Bangalore, Chandigarh

Card Services

140,000 merchants20,000 terminals 50 Payment services providers directly connected in Sweden, Finland, Norway and Denmark

evry.com

We bring information to life

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