Instead of the traditional sales channel of promoting payment cards sales via sales personnel at branches or shopping malls, Customer onboarding can be done via mobile application without the need for customers to visit the bank branches. eKYC can be done via document imaging and face recognition technology, the aim is to create a smooth and frictionless customer onboarding experience.

Instead of the traditional passive engagement model of bank waiting for customer to engage bank for card services, Cardzone CMS has deployed customer mobile wallet where promotional messages can be pushed to the customer when customer is in the vicinity of the merchant shops, customer can also perform a payment transaction or loyalty points redemption by scanning a QR code.

Cardholders will also have peace of mind when using his payment cards from Banks using Cardzone CMS solution because all transactions are protected by Cardzone Fraud Management module that employs fraud rules engine, big data analytic, Artificial Intelligent and machine learning technique to detect and predict any fraudulent transactions submitted to the system. There are many other advanced and state of art technology deployed in Cardzone solution to enhance end customer experience of his payment card usage and interaction with the banks.

Cardzone payment solution suite is a superior set of payment products that are flexible, configurable and rich in features and functionalities. Cardzone has impeccable payment solution implementation track records in enabling all types of card issuing programs and multi-channel payment acceptances for customers. Cardzone Consultative approach by payment industry veterans ensures customers are always provided with practical and best practices guidance on payment system and processes.

Minimize Hardware Cost – Cardzone’s open platform design delivers outstanding performance on cost effective virtualized multi-core Intel server platform which greatly reduces hardware investment cost.

Minimize Software Cost – Cardzone object oriented and open software architecture allows user to choose the most cost effective or even free open source system utilities like Operating system, Database, Application Servers etc.

Minimize Operating Cost – Cardzone CMS workflow engine, event alert and resource management engine can be configured to deliver end-to-end business processes for payment card operations.

Cardzone invests 20% of our revenue into future technology R&D to deliver innovative payment solution to enhance our customer’s competitive advantage.

Cardzone has successfully developed our own load balancer that supports true parallel processing of payment messages from all channels like web browsers, ATM, EDC, Card association networks, internet and mobile networks etc. This is quite significant because off-the-shelf load balancer can only provide load balancing for web messages and does not provide load balancing capability for traditional payment channels like ATM, POS and payment networks. 

Cardzone collaborates with research lab and professors of universities to ensure the latest computing technology is incorporated into our range of products. For example, Cardzone is working with Quest University Advanced Digital Computing Lab to conduct R&D on the best Big Data Analytic algorithms for suspicious fraudulent transactions detection and prediction, Data Mining and machine Learning algorithms are also tested to mind for new fraud patterns attempted by the fraudsters.

Cardzone also has a full suite of QR payment solution conforming to the global QR payment standards adopted by all the payment associations

Finally, Cardzone has been chosen by many banks as partner to deliver their innovative and unique payment solutions speedily and cost effectively to the market against their competitors.