Emiliano Anzellotti 1

Consorzio Bancomat 2

NEW FEATURES Contactless payments: this project has been based on Application Specification realized by Consorzio BANCOMAT®, in compliance with the other International Payment Schemes, and has been successful tested ad tuned last July 2015, so that this kind of cards are already in place on the market. Adoption on cards to be completed during 1st quarter 2018. Internet payments: The Consorzio BANCOMAT® solution (test completed January 2017) offers high security levels such as: Number identification card never required No PIN entry required ( or other security codes such as CVC, CVV) EBA-RTS Strong Authentication Requirement adopted Issuer verification method applied Easy integration into bank’s wallets Easy payer usability. Last year Consorzio BANCOMAT® developed the High level Architecture and Business Requirements document on HCE Mobile Proximity Payment.

49% debit, 26% credit, 25% prepaid Today facts and figures 52.400 ATM 103 MLN CARDS 49% debit, 26% credit, 25% prepaid 100% EMV, 40Mln contactless 1.900.000 POS 1Mln contact less enabled ITALY: Total 380 BLN euro for 3,9 BLN TRX First withdrawal in 1983 Approx. 37 mln of cards 1,9 Mln POS and 52,400 ATM Payments: approx. 87 BLN euro for 1,55 BLN TRX Withdrawals: approx. 150 BLN euro for 850 MLN TRX 4