1. © Copyright 2004 Frost & Sullivan. All Rights Reserved. World Banking (Financial & Loyalty) Smart Cards Market Smart Cards Key to Solving Security Concerns Industrial Group “The banking application market is becoming increasingly important and is expected to continue to grow at a healthy rate.”

2. © Copyright 2004 Frost & Sullivan. All Rights Reserved. Industry Trends Key applications include telecommunication, transportation, and financial application Strong focus on contactless card Increasing uptake for combi and hybrid cards which accelerates the adoption for multiapplication card Movement for contactless payment in non-transit application Convergence between telecommunication and banking sector speeds technology adoption

3. © Copyright 2004 Frost & Sullivan. All Rights Reserved. Key Features Frost & Sullivan Provides: Analysis of the world banking smart cards market Detailed insights into recent developments and trends Key market drivers and restraints Market forecasts: unit shipment and revenue Unit shipment: percentage split by region Revenue: percentage split by region Competitive analysis: market share and company analysis

4. © Copyright 2004 Frost & Sullivan. All Rights Reserved. What We Offer Global Coverage: North America, Europe, Middle East, Africa, Asia Pacific, Latin America Proven methodology encompassing extensive primary and secondary data and research Focused information and analysis for business planning and strategic decision-making Credible data and analysis highlighting regions and banking smart card dynamics

5. © Copyright 2004 Frost & Sullivan. All Rights Reserved. Who Will Benefit? Current Marker Participants Find out how you compare to the competition Assess current and future drivers and restraints Determine and exploit new market share opportunities New Entrants Analyze entry barriers associated with the industry Position yourself to capitalize on the market’s unmet needs Investment Community Analyze future trends and direction in the industry Determine long-term trends of the banking smart card industry in the four regions

6. © Copyright 2004 Frost & Sullivan. All Rights Reserved. Who Will Benefit? (cont’d) Related Industry Participants  Determine and exploit potential and opportunities in the banking smart cards market  Utilise accurate information for business planning and strategic decision-making  Assess current and future drivers and restraints

7. © Copyright 2004 Frost & Sullivan. All Rights Reserved. Key Market Participants  Aju Media Solutions  Axalto  Dz Card  Foongtone Technology  Gemplus  Giesecke & Devrient JDC KBC Corp. KDN Smartec Oberthur Card Systems Orga Versatile Card Technology

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