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Tieto Banktech white paper
Transforming payment cards
Discover how payment cards remain central in an omnichannel world, and how banks can modernize card products, strengthen fraud protection, and keep customers top of wallet.
Market insights
Cards are thriving
Digital wallets and instant payments are growing, but cards still power much of the payments ecosystem. This white paper explains why cards remain relevant and how banks can evolve their card offering for the digital era.
Projected share of wallet-based payments by 2030
52%
Wallets in Europe and North America funded by cards
71%
Why this matters
Cards are no longer just a physical payment method. They now connect digital wallets, virtual cards, stronger security, personalization, and sustainability into one customer experience. Banks that modernize card programs can improve loyalty, reduce risk, and stay relevant as payments evolve.
What you’ll learn
What this white paper covers
A practical view of how banks can modernise cards for the digital future.
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1
Customer choice
Understand why cards remain a preferred payment method and how they fit into an omnichannel journey.
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2
Digital card capabilities
Explore virtual cards, tokenization, biometric security, and mobile card management.
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3
Sustainability and inclusion
See how card innovation can support accessibility, sustainable materials, and broader financial inclusion.
Cards 3.0
Cards for the digital era
The next generation of cards combines online and physical use, virtual card controls, and better fraud protection. It also supports premium card design, accessibility features, and more sustainable materials.
Key takeaway
Whether consumers choose to pay by card or wallet, convenience and security are paramount.
White paper insight
FAQ
Common questions
Talk to us
Shape your card strategy
Discuss card issuing, personalization, fraud prevention, sustainability, and mobile card management with the Tieto Banktech team.