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Empowering Payments Business With Technology, Creativity and Innovation
Customer Experience Centric

Cardzone CMS represents fundamental mind-set change from Product centric design
to Customer experience centric design which covers all aspect of a customer
interaction with Financial Institution. Cardzone solution also incorporates
state of art technology which maximize card business process automation.
Cardzone Solution has been proven to deliver following benefits i.e:

 * Improve customer Acquisition that leads to business growth
 * Deepen customer relationship that leads to customer loyalty
 * Enhance customer retention that leads to lower attrition
 * Drive revenue and reduce cost via process automation

Learn More
Superior Solution and People

Cardzone is a Malaysian payment solution house that specializes in offering
state of art payment solutions as well as experienced and professional
implementors to banks to ensure speedy and successful delivery of payment
projects

Read More
Optimum Cost Of Ownership

Cardzone solution is designed with cost effectiveness in all aspects. Most of
the payment solutions available in the market are based on old mainframe and
client server technology; old solution that is normally dependent on costly
proprietary technology like proprietary hardware and utility software, as well
as inefficient human intensive operations.

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Invest In The Future Revenue

In the modern age, technology is advancing at a rapid pace and payment industry
players also need to adapt to technology to keep with market advancement. Quite
often, new revenue stream in the payment industry is due to innovative payment
scheme and disruptive technology like QR payment.

Read More

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.

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