e-rsb, an advantage for CB banks SEPA, controlled evolution Security standard for merchant sites EPC adopts the SEPA Cards Framework EMV: France fine-tunes its migration Security, performance e-rsb, the network that goes further Successful migration from RCB to e-rsb! The constant growth of CB transactions e-rsb: a system in the forefront of technology The e-rsb network: ready for the future The Nordic aspirations of Danish group PBS e-rsb, record after record

In Denmark, migration to EMV is managed by PBS, a group that is also a leading stakeholder in the other Scandinavian countries.   PBS is now the leading stakeholder in the bankcard © PBS sector in the Nordic countries. The Danish payments system is administered by PBS, a group that was restructured in January 2003 as a holding company owned by banks, including the National Bank of Denmark. Active also in Norway, Sweden and Iceland, PBS is now the leading stakeholder in the bankcard sector in the Nordic countries. The group operates as a service provider to over 400 issuers (totalling 4.9 million bankcards), and over 150 acquirers (representing 145,000 retailers). PBS is responsible for the development of the payment infrastructure in Denmark and the construction and migration to a chip-based platform. With this payment card platform, PBS offer companies and banking institutions the possibility of outsourcing a wide range of card services. Thus, banking institutions and retail chains can operate efficiently, and approach the Nordic countries as a single market. PBS processes all transactions in the same manner irrespective of their origin and irrespective of whether they were conducted on national payment cards, international cards or private-label cards. Begun in 2004, the migration to EMV has gone hand-in-hand with the switch to smart cards. Since 1st January 2005, all Dankort debit cards issued on the Danish market are EMV certified. This has constituted a true revolution for the Danes who up until now had been used to the magnetic strip. Over the last two decades, the “Dankort” has become the preferred means of payment for Danish consumers. Furthermore, the success of the national debit card system has resulted in weak growth in the number of credit cards issued in Denmark. KEY FIGURES 1 billion transactions by bankcard managed by PBS in 2004 2,500 automatic teller machines (ATMs)   90,.000 Eftpos terminals, of which 28,000 are smart-card compatible 3.5 million bankcards Back to top of page

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