ZERO-Mass Hits India

Published: 25 Nov 2003

By Anoop Ubhey, Senior Smart Card Industry Analyst

ZERO-Mass is an industry consortium of Indian and global IT companies looking to deploy vendor independent interoperable standards to bring the benefits and mass deployment of EMV-compliant smart cards. The ZERO-Mass Consortium supplies smart card services, allowing Indian banks to issue smart cards with several active payment and related applications.

Bell ID, a subsidiary of London-based Bell Group plc, in partnership with Magnum Solutions Pvt. Ltd., delivers its ANDiS4EMV solution to facilitate a managed service for five Indian banks, enabling cost-efficient migration from traditional magnetic stripe credit cards to multi-application EMV smart cards.

Indian based A Little World heads the consortium that will host the EMV pilot for:

  • ICICI Bank
  • State Bank of India
  • Bank of Baroda
  • IndusInd Bank
  • Citibank

The scalable software solution includes on-card applications EMV debit and credit, electronic purse, loyalty, mass transit, and Public Key Infrastructure (PKI). The solution is equipped with post-issuance personalisation capabilities and complies with all global standards applicable to EMV migration.

These are the first banks in India that are going to participate in a nationwide scheme with a common approach towards EMV migration. The willingness towards multi-application further emphasises results from a recent survey Frost & Sullivan did on end users in the banking field titled Global End User Banking – EMV Migration.

Bell ID’s ANDiSEMV solution is the backbone to this solution. Again further proof that Bell ID offers more than simple ID/Government solutions. The ANDiSEMV provides life cycle management for all cards and on-card applications, key management and post-issuance personalisation. This allows the banks to add, delete applications to and from the card after issuance, a matter that caused so much confusion in the past.

The ZERO-Mass infrastructure complies with industrial smart card standards, supporting EMV 2000, CEPS, MULTOS v4.x, JavaCard 2.1.1 and GlobalPlatform specifications as a whole.

I believe this EMV win for Bell ID’s ANDiSEMV will provide the perfect example for other banks around the world. I personally would expect Bell ID to see further success in other Asian countries with this offering as banks look towards EMV migration.

Sign in to read the rest of this article

Not signed up? Register now Forgot your password?

Help Desk

Full list of offices


For more information and general enquiries, contact Frost & Sullivan near you.

North America
tel: +1.877.463.7678

Select a location near you..