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to increase its subscriber spending.
Banks are now able to leverage on these features of the smartcard to have multiple applications
residing on the smart card and localized storage of information to create customized offerings or
personalized services for card holders. This allows Banks to create one-to-one marketing program,
tracks consumer spending patterns more efficiently and offer cross-selling opportunities at the point-
of-sale through the download of vouchers or promotions. At the same time, utilizing the ability to
perform off-line transactions, Banks can be more business friendly to merchants by instituting variable
floor limits so as reduce transaction time while managing credit and fraud risks, especially in fast-food
outlets where quick service turn-over is of paramount importance...
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