Card Management

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As a customer oriented solution, SmartVista handles all types of wallets, licensed or as a cloud service, combining virtual and physical cards. Financial institutions can design their own card program with the CMS’s flexible and configurable solution. Multiple cards, brands, and accounts can all be linked to one account (with sub-accounts available), and vice versa. The platform’s customer profiling, smart reporting, and user-friendly dashboard make it easy to track, monitor, and report on every transaction and every customer, for automatic upgrade/uplift.

The SmartVista Card Management solution offers comprehensive functionality across banking, payments, and commerce verticals. It supports the issuance and full lifecycle management of various card types, providing numerous configuration options for issuers, acquirers, merchants, and fintechs. These include product customization, fees, limits, financial processing, and reporting. The solution also accommodates custom business logic, database extensions, custom GUIs, and API enhancements. It supports virtual, contactless, and tokenized cards, and ensures full tracking from application to delivery and activation.

Key Features

  • Available as on-premise and as SaaS
  • Credit engine
  • Flexible and powerful accounting engine
  • Loyalty and campaigning
  • EMV
  • Profiling and data analytics
  • Corporate cards
  • Highly scalable and performance
  • Tokenisation support
  • Open platform
  • Multi-purpose wallets and other payment instruments
  • Multi-currency support
  • Dynamic Currency Conversion (DCC)
  • Comprehensive set of standard reports
  • Powerful product development tools
  • BNPL coverage
  • Configurable processes
  • Flexible integration capabilities
  • Sandbox/APIs Pricing and marketing tools
  • Library with pre-configured templates for all key B2C products
  • Customer Service Portal
  • Vertically integrated ecosystems
  • Embedded finance
  • Fast application processing
  • Embedded fraud prevention
  • Strong Customer Authentication (SCA)
  • 3D Secure
  • Payment Card Industry (PCI) compliance
  • Integration with core banking, call centres, IVR, and CRM solutions
  • End-to-end service

Key Benefits

Financial institutions benefit significantly from the SmartVista Card Management solution. They experience end-to-end card processes, ensuring efficient and streamlined operations. The solution enables a fast time to market for new card products, handles complex offerings with ease, and provides robust security measures to defend against fraud. Additionally, institutions gain detailed visibility of payments and repayments, enhancing their financial oversight and control. Financial institutions benefit from the SmartVista Card Management solution through efficient management of pricing, limits, and cycles. They gain access to comprehensive cardholder information and have the capability to offer a wide variety of cards, from simple to complex. Additionally, the solution supports tokenization, enhancing security and modern payment options.

While end users enjoy an intelligent reward program and benefit from customer-centric products and processes. They can utilize self-service onboarding for convenience and gain access to comprehensive cardholder information, enhancing their overall experience and satisfaction. End users benefit from support for digital wallet enrollment and the option for installment payments. They enjoy the acceptance of various payment methods, including QR codes, cards, wearables, and devices. Additionally, they experience quick onboarding, making it easy and convenient to start using their card products.