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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Better placed to
support your business
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.
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Card Services
EVRY gives your cards
something more. An edge.
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.
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
24/7 Service and support
Fraud prevention services
Driftsinntekter 2013
Personalization
Acquiring / Merchant services
Issuing
Card 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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Issuing debit
Fraud prevention
services
Card Services
Issuing combined cards
Retail
Issuing pre-paid
Public sector Switching
Services
Acquiring
Support services
Transport
Contactless cards
BANKS
Mobile Payments
Financial institutions
Loyalty cards
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Personalization
Security
ID
Issuing credit
Card Services
The most cost-effective solution
is the most complete solution.
Flexibility of functions and services
Card-as-a-service
All 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.
EVRY 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.
Compliant with standards
All card services covered
The 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.
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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Card Services
EVRY’s card concept
begins where it needs to.
At the end.
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.
Your card business in safe hands
Availability, always
Your 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.
We 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.
Card Services
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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Card Services
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, cloudbased service for the issue of debit, credit, pre-paid cards as well as dual application/combo cards.
Card Services
Linking cards with mobile phones
Contactless cards and micro tags
Increasingly 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 payment card with their mobile phone allows your customers to
take control and genuinely adds value to your card offering.
EVRY’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.
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 mobile
Wireless 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.
Card fraud prevention services
Card 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 methodology 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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Card Services
Bringing expertise to you
With the market for card services changing constantly, it’s
our role to keep customers fully briefed on the latest technological 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 environments that make many detailed demands on our solutions. 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, maximum security and simplicity.
Get to know us more at evry.com
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.
Card Services
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
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#1
The leading supplier of IT solutions
for the bank
and finance market in the Nordics
The leading provider
of card fraud prevention
services
Market leader in Nordic card personalization with
Card services currently delivered to more than
25 million cards
100 card issuers
in 12 countries
produced annually from our sites in Norway, Sweden,
Finland and Latvia.
Financial Services presence
Sweden – Stockholm
Norway – Oslo, Trondheim, Bergen, Mo i Rana
Finland – Helsinki
Denmark – Copenhagen
UK – London
Latvia – Riga
Ukraine – Kiev
India – Bangalore, Chandigarh
Specialists dedicated in serving the
banking and finance sector
1,490
Card experts
500
140,000 merchants
20,000 terminals
50 Payment services providers
directly connected in Sweden, Finland, Norway and Denmark
Card Services
We bring information to life
evry.com
03/2015 Design and production: Artbox AS, Print: Printbox AS