Standardization helps reduce complexity in everyday business, leaving room for new and innovative ideas. A flexible but standardized framework such as the EMV specifications is the basis for successfully integrating new functionality into an existing infracstructure. It is Morpho e-Documents' defined strategy to offer banks and business partners a complete and innovative product portfolio for all types of financial and added value chip programs. Working closely with MasterCard and Visa, the company designs its products to contribute to market success by supporting globally interoperable standards.

Having been the first to implement EMVCo’s open approach to standardized personalization – the EMV Card Personalization Specification (EMV CPS) – on a cost-efficient native card product with EMV Lite Y in 2005, Morpho e-Documents has continued to grow its family of EMV CPS-compliant products. The members of the EMV Y family follow a joint design philosophy:

Securing investments - Standardized personalization
The EMV Card Personalization Specification (EMV CPS) defined by EMVCo enables card issuers and personalization bureaus to benefit from

• reduced costs and complexity, by utilizing a common data preparation and personalization infrastructure
• simplifying implementations for financial institutions

EMV CPS compliant personalization processes such as Morpho e-Documents' EMV CPS Personalization Software Suite allows perso bureaus to run the same process to personalize all EMV CPS compliant products in their portfolio – regardless of manufacturer, operating system or application. This way EMV CPS secures your investment by minimizing setup costs and broadening the choice of suppliers.

Future proof - Post-issuance application design and personalization
Products of the EMV Y series offer issuers the chance to design and personalize applications after cards have been issued. This way even cards in the cardholder’s wallet can be updated to support a loyalty system introduced at a later stage. This avoids costly re-issuance and allows faster time-to-market.