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French bank Crédit Agricole’s is extending its HCE (Host Card Emulation) based mobile payment service to Visa holders. Only available to Mastercard card holders so far, the bank MaCarte application and Paylib, the French interbank payment brand, will now allow Visa card holders to use their smartphones to pay instore.
Crédit Agricole is the first bank in France to offer a mobile payment service based on HCE and covering both Visa and Mastercard cards.
The mobile payment service is based on dejamobile’s ReadyToTap Payment HCE solution. The service was commercially launched in April 2017 by Crédit Agricole Payment Services within MaCarte App and under the Paylib brand. The customers can safely pay contactless in store via the NFC function of their Android smartphones with no limited amount. The Ma Carte app also allows online payment on websites accepting Paylib.
Luc Laffon, Head of Mobile Payment Services at Crédit Agricole Payment Services testifies:
“We use dejamobile’s mobile payment solution which is multi-scheme certified (CB, Mastercard, Visa) and which meets high standards of transaction security. Dejamobile was one of the first editors to propose an operational solution for a Pilot with Mastercard as early as Q4 2015. Since then, and following the success of the Pilot, Crédit Agricole has integrated dejamobile’s SDK into the bank’s existing application “maCarte” and has also integrated the server-side applications into our internal payment service infrastructure. Crédit Agricole Payment Services teams rely on the strong support from dejamobile’s technical teams to operate and maintain the service. Our mobile payment service is fully operational since April 2017 and the adoption rate by our customers meets our expectations”.
The year 2018 promises significant changes for companies in terms of data management. In May 2018 the RGPD: the European Data Protection Regulation will come into force. It aims above all to strengthen the protection of personal data of Internet users but will also have a strong impact on the IT systems of all companies.
All sectors are concerned, including the banking sector, which will have to face up to the regulations of the European directive PSD2 in January 2018, which will more widely disrupt the management of bank data.
Cap Digital, the Competitiveness and Digital Transformation Cluster, explores the issues related to data security matters in a dossier gathering the positions of various experts on the subject. The aim of the dossier is to analyse how companies are adapting to legal and user requirements, and to measure the extent of the movement towards a new approach to more responsible and respectful management of privacy.
As a member of the Cap Digital cluster, Houssem Assadi, CEO of dejamobile, contributed to an in-depth reflection on the challenges of data security and RGPD, and shared his expertise and vision of the evolution of the banking world.
You may find the complete dossier on Data Security on the Cap Digital website.
Dejamobile team wishes you a Happy New Year!
We wish you all the best in your professional projects and initiatives!
Hérouville Saint-Clair, on 10/17/2017 – Dejamobile, a Fintech leader in mobile payment, is raising € 2.5M from the investment funds Newfund and M. François Enaud with the aim of reinforcing its commercial and technical teams and developing its activity abroad.
For 5 years, Dejamobile has developed software solutions in secure mobile transactions allowing its customers to deploy mobile services using proximity technologies as NFC technology (Near Field Communication).
Dejamobile offers a wide range of solutions optimising the use of proximity mobile technologies and software and hardware based security techniques in fields of payment, mobility and commerce.
Dejamobile is proud to contribute to the modernisation of ticketing by working along with Ile-de-France Mobilités, the organisational authority for transport in Paris area, to develop the digitisation of the public transport ticket on smartphone.