Case Study: Banco Sabadell – Spain

In Case Studies by Geoff Smith

Banco Sabadell, Spain’s 4th largest private banking group chose Carta Worldwide to develop a Host Card Emulation (HCE) for NFC mobile payments solution.

Banco Sabadell – Spain

Industry: Bank/Issuer

Banco Sabadell is Spain’s fourth largest private banking group and is comprised of various banks, brands, subsidiaries and part-own ed companies, that cover all areas of the financial business sector. With more than 6.5 million customers, Banco Sabadell occupies an outstanding position in SME’s and the affluent clients’ segment. Banco Sabadell currently operates in 18 countries, employs over 17,000 people and has total assets exceeding 170 billion Euros.

The problem

Banco Sabadel wanted to enable mobile transactions for their cardholders with an easily integrated platform that worked with their existing infrastructure. Sabadell also wanted to eliminate the need to deliver and manage NFC credentials on the device.

The solution

Host Card Emulation (HCE) with Remote Secure Element (RSE) for NFC. Carta Worldwide partners with MasterCard to develop HCE for NFC mobile payments. This solution simplifies the complexity typically associated with mobile payment deployments, enabling EMV secure proximity transactions that are compatible with existing contactless POS acceptancesystems without the need for traditinal integration and system upgrade costs. The trial is the most advanced of its kind. Combining innovative software on the mobile device with highly secure cloud processing, this unique technology eliminates the need to deliver and manage NFC credentials on the device hardware. The comprehensive HCE solution provides full lifecycle support for cardholder credentials and transactions. It currently uses devices with Android OS KitKat 4.4 and support NFC-based High Value Transactions (HVT) with mobile PIN. Backed by Carta’s next generation transaction technology, the solution allows Sabadell to rapidly connect and deploy while minimizing cost and time associated with integration and system upgrades.

“The most notable feature is how easy it is for users to add their credit cards to their phone without having to manipulate any physical secure element or rely on 3rd party service providers.”

-Director of Credit Cards and Consumer Finance, Banco Sabadell

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