Card issuing in Denmark

Modern card issuing for Danish banks

Q: PCI DSS costs continue to rise

Maintaining PCI DSS compliance across legacy card systems and data centres creates significant recurring operational costs. Shared SaaS infrastructure centralises compliance management and reduces the burden on individual banks.

Q: Legacy platforms slow scheme updates

Visa and Mastercard updates demand continuous change management. Legacy infrastructure often requires separate implementation work across environments, increasing delivery risk and consuming engineering capacity.

Q: Fraud prevention requires scale

Real-time fraud monitoring, AI-based detection, and evolving regulatory obligations require continuous investment. Shared operating models improve economics while strengthening fraud controls.

Q: Multi-market operations add complexity

Bank groups managing multiple portfolios and markets often struggle with fragmented infrastructure, vendor coordination, and inconsistent operating models.

Q: Modernisation must minimise disruption

Banks need phased transformation models that reduce migration risk, support coexistence, and allow gradual adoption across portfolios and services.

Modernise card issuing with a Nordic-built Cards-as-a-Service platform. Reduce legacy infrastructure costs, strengthen fraud prevention, and launch new card products faster.

Why banks are modernising

Denmark is one of Europe’s most cashless economies, making card issuing a critical banking capability. However, rising PCI DSS requirements, fraud prevention demands, scheme updates, and regulations such as PSD3 and DORA are increasing the cost and complexity of legacy card platforms. As a result, many Danish banks are adopting shared Cards-as-a-Service models to reduce compliance overhead, simplify operations, and accelerate innovation.

Why banks choose Tieto Banktech

Built for modern Nordic banking

A modular card issuing platform designed for regulated banking environments, supporting faster innovation and lower operational complexity.

1

Lower compliance overhead

Centralise PCI DSS operations, scheme updates, and infrastructure governance through a shared SaaS operating model.
2

Faster product launches

Launch new card products and digital wallet experiences faster through pre-built integrations and modular services.
3

Flexible modernisation

Adopt full Cards-as-a-Service outsourcing or modernise selected capabilities without replacing everything at once.

Challenges and opportunities

The pressures reshaping card issuing

Card issuing teams must modernise while maintaining resilience, compliance, and customer trust.

PCI DSS costs continue to rise

Legacy platforms slow scheme updates

Fraud prevention requires scale

Multi-market operations add complexity

Modernisation must minimise disruption

Start the conversation

Modernise card issuing with less complexity

Speak with our specialists about reducing operational costs, improving flexibility, and launching new card products faster.

Issue cards instantly

Enable immediate virtual card issuance during onboarding and push cards directly to Apple Pay and Google Pay. Customers gain instant access while physical card fulfilment follows separately.

Compliance managed centrally

PCI DSS, PSD3, and DORA obligations are managed centrally through the platform, helping banks reduce recurring compliance effort while maintaining strong governance and operational resilience.

Modular by design

Adopt full Cards-as-a-Service outsourcing or integrate selected capabilities including fraud monitoring, tokenisation, dispute handling, and card management.

Co-badging support

The platform already supports co-badged domestic and international card schemes in production, aligning with the needs of Danish banks managing Dankort alongside Visa or Mastercard. Banks can manage multiple portfolios, markets, and schemes through a single administration environment while maintaining consistent operational controls.

Card issuing capabilities