Another year of success for the CB card CB: a new Chairman of the Board Cartes 2004: EMV a superstar! The French are "newver without their card"! A card advantage for the public sector! eAdministration on the cards! CB card adopted by the State sector Major savings for small purchases! Towards contactless technology and eSignatures The bankcard takes off in Poland: + 47% by 2008! Building trust on the Web! EMV: meeting our goals!

In early 2004, the French government launched the Adele Programme (Electronic Public Services) to facilitate the public’s access to administrative services and cut costs. This digital revolution – in which Cartes Bancaires is heavily involved – utilises a range of smart cards including the CB bankcard, which is already increasingly being used in the public sector. The banking community has started working on the major changes ahead: eSignature and contactless technology. eAdministration on the cards! CB card adopted by the State sector Major savings for small purchases! Towards contactless technology and eSignatures

– CB celebrates a record Christmas – Distance selling: France a winner in Europe – e-Administration and the smart card spelt out!     – What is ADAE? – CB analyses the IAS specifications – Purchasing card: specifications now available     – In the United States, e-Payments take the lead – EMV: "Liability Shift" now in force – Migration to EMV: dual-pace Europe