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 the United States, e-payments have, for the first time, exceeded payments by cheque in terms of volume.   © DR A first in the United States: in 2003, e-Payments (bank or credit cards, electronic fund transfers, etc.) outpaced the volume of cheque payments. According to a study by the Federal Reserve (FED), Americans made 44.5 billion electronic payment transactions in 2003 compared with 36.7 billion by cheque. In value, cheques still hold the upper hand: they accounted for 39,300 billion dollars compared with 27,400 billion dollars for ePayments. However, according to the FED, the situation is about to change: at the current rate, ePayments (up 13.2% between 2000 and 2003) should exceed cheques (up just 4.3% in the same period) in 2007. Back to top of page

– 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