What are Banking Card Technologies

Banking card technologies are methods to connect chips with antennas. Each technology has unique features. Technology choice affects card functionality.

Main banking card components:

• Plastic substrate (PVC, PET, polycarbonate)
• Microchip for data processing
• Antenna for contactless payments
• Magnetic stripe (in classic cards)
• Security elements

Chip and antenna connection is the key stage. Connection quality determines card reliability. Banking card technologies solve this task in different ways.

SPS Coupling — Innovative Banking Card Technologies

SPS Coupling is one of advanced banking card technologies. Developed by French company SPS. Uses electromagnetic induction principle.

How SPS Coupling Works

Technology creates connection without physical contact. Chip and antenna connect through electromagnetic field. This eliminates mechanical damage during production.

SPS Coupling production process:

1. Chip placement on card
2. Antenna installation next to chip
3. Inductive coupling activation
4. Connection testing
5. Final quality check

SPS Coupling Advantages

These banking card technologies ensure high reliability:

• No physical connections reduce breakage risk
• Suitable for hybrid cards with multiple functions
• Compatible with different substrate materials
• Stable operation during temperature changes
• Easy production automation

Application Areas

SPS Coupling is used in various projects:

• Premium banking cards
• Identity documents
• Electronic passports
• Corporate access cards
• Transport cards

Especially effective for polycarbonate cards. Material requires special production approach. SPS Coupling solves this task elegantly.

Wire Soldering — Classic Banking Card Technologies

Wire Soldering are proven banking card technologies. Implemented by Giesecke+Devrient and Gemalto companies. Based on physical soldering connection.

Wire Soldering Working Principle

Technology uses thin conductors. They connect chip contacts with antenna. Connection is created by soldering at high temperature.

Production stages:

1. Chip and antenna preparation
2. Element positioning
3. Conductor installation
4. Connection soldering
5. Quality control
6. Card lamination

Technology Strengths

Wire Soldering offers unique capabilities among banking card technologies:

• Maximum connection strength
• Resistance to high electrical currents
• Reliability under physical loads
• Repair possibility in case of damage
• Flexibility in creating custom solutions
• Time-proven reliability

When to Choose Wire Soldering

These banking card technologies are suitable for:

• Industrial cards with high loads
• New solution prototypes
• Cards with custom design
• Projects requiring maximum reliability
• Small batches of specialized cards

Technology is especially demanded in B2B segment. Corporate clients value reliability over cost. Wire Soldering ensures long card lifespan.

SECORA Pay — Eco-Friendly Banking Card Technologies

SECORA Pay are newest banking card technologies from Infineon. Focus on environmental friendliness and sustainable development. Uses innovative Coil-on-Module approach.

Revolutionary Coil-on-Module Approach

Technology integrates antenna directly into chip module. This eliminates need for copper conductors. Result is more environmentally friendly card production.

Key features:

• Antenna built into chip
• No external connections
• Compact module size
• Simplified assembly
• High positioning accuracy

Environmental Benefits

SECORA Pay are most eco-friendly banking card technologies:

• CO₂ emissions reduction up to 85%
• Full recyclability possibility
• No harmful materials
• Less waste during production
• Energy-efficient manufacturing
• Compliance with international eco-standards

Technical Specifications

Modern banking card technologies SECORA Pay provide:

• Full compatibility with mobile payments
• Support for all major payment systems
• High transaction processing speed
• Reliable data protection
• Long service life

Technology is especially popular among banks implementing ESG principles. Environmental friendliness becomes important selection factor. SECORA Pay meets these requirements.

Banking Card Technologies Comparison

Each banking card technology has its advantages. Choice depends on specific project requirements. Let’s examine detailed comparison.

By Reliability

By Production Cost

Different banking card technologies have various costs:

• Wire Soldering: Highest cost due to process complexity
• SPS Coupling: Medium cost, pays off with quality
• SECORA Pay: Competitive price with high quality

By Environmental Impact

Environmental aspect of banking card technologies:

1. SECORA Pay — environmental leader
2. SPS Coupling — moderate environmental impact
3. Wire Soldering — traditional approach with larger carbon footprint

How to Choose Banking Card Technologies

Choosing banking card technologies depends on many factors. Need to consider project specifics and client requirements.

For Banks

We recommend following banking card technologies for banks:

• Mass cards: SECORA Pay for savings and environmental friendliness
• Premium cards: SPS Coupling for reliability and status
• Corporate cards: Wire Soldering for maximum durability

For Fintech Companies

Different banking card technologies suit startups and fintech:

• Fast market entry — SECORA Pay
• Niche solutions — SPS Coupling
• B2B products — Wire Soldering

Selection Criteria

When choosing banking card technologies consider:

1. Project budget
2. Reliability requirements
3. Environmental standards
4. Production timelines
5. Production volumes
6. Target audience

ASMO — Banking Card Technologies Expert

ASMO Company specializes in all modern banking card technologies. We are official Beautiful Card Corp representative in Armenia and CIS. We offer full card production cycle.

Our Services

ASMO provides banking card technologies services:

• Technology selection consultations
• Card production with any methods
• Personalization and delivery
• Technical support
• Bank staff training

Why Choose ASMO

We are regional leaders in banking card technologies:

• 10+ years industry experience
• Certification from leading manufacturers
• Own quality laboratory
• Fast production times
• Competitive prices
• Complete confidentiality

Beautiful Card Corp Partnership

As official Beautiful Card Corp partner, we offer:

• Access to newest banking card technologies
• Direct supplies without intermediaries
• Manufacturer technical support
• Software updates
• Warranty service

Contact us through contacts page to discuss your project. We will help choose optimal banking card technologies for your tasks.

Future of Banking Card Technologies

Banking card technologies industry develops rapidly. New materials and production methods appear. Environmental friendliness becomes priority.

Development Trends

Main banking card technologies development directions:

• Increased production environmental friendliness
• Integration with IoT and smart devices
• Biometric authentication
• Flexible and bendable cards
• Functionality expansion

New Materials

Innovative materials appear in banking card technologies:

• Biodegradable plastics
• Recycled materials
• Premium metal cards
• Composite materials

ASMO monitors all banking card technologies innovations. Our clients get first access to innovations. We invest in research and development.

Conclusion

Modern banking card technologies offer numerous possibilities. SPS Coupling suits reliable solutions. Wire Soldering works for maximum durability. SECORA Pay fits eco-friendly projects.

Banking card technologies choice affects project success. Important to consider all factors: cost, reliability, environmental impact. ASMO helps make right choice.

Contact ASMO experts for banking card technologies consultation. We will find optimal solution for your bank or fintech company.