Software Solutions - X Infotech

Software Solutions

for Government

and Banking Sector

X Infotech is a global provider of software solutions for

electronic identity documents and electronic payment

cards in more than 45 countries around the globe.

We help governments and banks worldwide to

effectively collect, process and verify their citizens’ and

customers’ personal data, including biometrics.

All our software components are ICAO/EMV compliant

and can be integrated with any chip or any vendor

personalization/issuance/verification equipment

Quick Facts

Year of foundation: 2006

Head-office: Riga, Latvia

Regional office: Nairobi, Kenya

Business representatives: Latin America, USA,

Africa

X Infotech is a part of the Silverlake Group of

Companies.

Silverlake Axis has more than 25 years of

experience and a breadth of expertise as a leading

provider of Digital Economy solutions and services

for major organizations in Banking, Insurance,

Payments, Retail and Logistics industries.

Over 40% of the top 20 largest banks in South-East

Asia run the Silverlake Axis core banking solution,

and we are the core system platform partner of

choice for 3 of the 5 largest ASEAN super regional

financial institutions.

Quick Facts

Year of foundation: 1989

Head-office: Kuala Lumpur, Malaysia

Listed on Singapore’s Stock Exchange (SGX)

SESDAQ in 2003 and moved up to SGX Mainboard

in 2011

100% successful implementation of enterprise core

software applications for over 380 customers

Over 38,000 Suppliers and more than 425 Retail

Outlets

X Infotech is a part of the Silverlake Group of Companies.

WHO WE ARE

X Infotech is a global provider

of software solutions for

digital identity documents and

smart cards.

WHAT WE DO

We help governments, local

document producers and

banks to implement e-ID and

financial/social cards

programs, providing the

complete IT infrastructure.

OUR INDUSTRY

Government electronic Identity,

electronic payment/smart cards,

electronic Healthcare cards,

Border Control solutions.

OUR CLIENTS

Governments (ministries and

federal units), Banks and

Financial institutions.

X Infotech

Border controlSolutions for automated

border control systems

(ABC).

Electronic

Healthcare card funds disbursement,

pensions, student

grants, tax cards, etc.

Digital onboardinginstant biometric enrolment of

new bank customers

Electronic IdentityGovernment electronic Identity

Electronic payment/smart cards

Financial Services Software solutions for electronic

payment cards, mobile payments and

Mobile Money.

Social ServicesGovernment electronic Identity

Electronic payment/smart

cards;

E-Government

Digital TachographGovernment electronic Identity


e-Driver’s LicensesGovernment electronic Identity


Biometrics VerificationMulti-factor ID verification with

an eID document or biometrics –

onsite, remote, online, mobile

Military eID CardGovernment electronic Identity

Where we fit in (our markets)

Electronic National

Identity card (eID)

Residence permit Electronic driver’s

license (eDL)

Electronic passport (ePP)

Multi-application cards

(ID + payment)

Social and other cards

Military, insurance,

healthcare, student, etc.

Projects completed

Common electronic documents

Guaranteed delivery time

When we say, we will deliver the product in six months, it

means six months, and not a year. We don’t play any “come

and ask us again” games. We work treasure our reputation.

Strong partners network

Dozens of successfully implemented eID and smart cards

projects worldwide have brought us reliable partners for

hardware and infrastructures.

Certifications and standards compliance

We track and monitor all industry regulations, specifications

and standards, to make our company properly certified.

Technological flexibility

Our solutions can be provided according to customer`s

specific requirements and conditions.

Hardware and chip independent

Our solutions are compatible with any type of electronic chip,

equipment or software, to be easily modified and meet

customer’s specific requirements.

Complete product portfolio

Our software solution portfolio supports programmes from

A to Z, covering all stages of eID document and smart card

production and usage.

Why X Infotech

Software Solutions

for Government Sector

Where we fit in Government Sector

Electronic IdentityePassports

National eID cards

Social ServiceseID + payment; funds

disbursement, pensions,

healthcare, education, etc.

Biometric VerificationMulti-factor ID verification with

an eID document or biometrics –

onsite, remote, online, mobile

e-Driver’s LicensesElectronic drivers licenses,

vehicle cards, digital

tachograph

Biometrics for user

remote authentication mobile/tablets

Border controlSolutions for border

control management

e-Governmentand solutions for Smart City

PKIPublic Key Infrastructure

Software, supplied within projects

Citizen Identity Process ManagementDocument Personalization PKI

• Biometric Enrolment

• Identity Management

• AFIS/ABIS

• Biometric Verification

• Case Management

• Document Lifecycle Management

• Quality Assurance

• Document Verification

• Document Issuance

• ICAO Data Preparation

• Key Management System

• Chip Encoding

• Secure PIN Manager

• Production Management

• Instant Issuing

• Stock Management

• Country Signing Certification Authority (CSCA)

• Document Signer (DS)

• Country Verifying Certification Authority (CVCA)

• Document Verifier (DV)

• Terminal Control Center (TCC)

• Single Point of Contact (SPOC)

• National Public Key Directory (nPKD)

Selected References

for Government Sector

Selected Government eID and Social Projects

Laissez-passer Travel Document (Diplomatic ePassport)

Challenge: X Infotech deployed a secure and versatile

personalization solution for European Union laissez-passer travel

documents. X Infotech delivered the Document Personalization and

Production Management solutions at multiple sites along with the

Document Lifecycle Management component. Within this project, X

Infotech also developed a Public Key Infrastructure that enables

digital signing of sensitive biometric data in compliance with ICAO

requirements.

Laissez-passer Travel Document (Diplomatic ePassport)

Challenge: X Infotech replaced the production system for paper

travel documents with a dedicated platform for electronic laissez-

passer. X Infotech delivered a software solution for Document

Personalization and Production Management as well as Public Key

Infrastructure (PKI) for creation, storage, and distribution of digital

certificates.ECOWAS

European Union

(European Commission)

Electronic document projects

Residence Permit Card

Challenge: X Infotech delivered a software solution for the issuance

of ICAO-compliant Residence Permit Cards. X Infotech extended the

functionality of the existing Document Personalization platform and

deployed a new process management module – Document

Distribution. Within this project, X Infotech also delivered the

Enrolment solution to capture biometric information such as facial

image, fingerprints and handwritten signature.

Passport eID Card

Challenge: X Infotech deployed the Production Management

solution that controls the complete workflow of the Passport Card

issuance process. In addition, X Infotech provided smooth

integration with desktop personalization laser-engraving and mailer

machines that have a capacity to carry out 3 000 Passport Card

applications per week.Ireland

Ireland


Electronic Identity (eID) Card

Challenge: X Infotech deployed software solutions for the issuance

of electronic identity cards. As part of this project, X Infotech

supplied the ICAO Data Preparation, Personalization, Public Key

Infrastructure, and Secure PIN Manager solutions for PIN generation

and PIN printing as well as a high-volume laser engraving

personalization machine. The new eID card offers an additional

functionality to sign documents as well as access eGovernment and

public services.

Electronic Passport

Challenge: X Infotech delivered an end-to-end software solution for

the personalization and production management of electronic

passports with BAC (Basic Access Control). X Infotech also carried

out integration with the population registry system and different

high volume passport personalization machines.

Latvia

Ireland


Biometric Solution for International Office

of Migration (IOM)

Challenge: X Infotech supplied biometric scanners and passport

readers as well as capturing and matching software for International

Office of Migration (IOM). The purpose of this project was to perform

identity verification, using biometric (fingerprints) technologies and

document authentication.

Biometric Solution for Multi-functional


Challenge: X Infotech implemented a complete software solution for

the issuance of multi-application electronic identity cards. The solution

is intended to provide secure authentication of Cooperative Bank

customers. Biometrics, stored on the chip card, are used for user

authentication and authorization prior to settling payments or carrying

out other services.

South Sudan

Somalia

South SudanKenya


Biometric Enrolment for Police

Challenge: X Infotech replaced the outdated mobile enrolment

solution (20 stations) with its industry-proven Enrolment. The

solution is designed to export collected data to the Lithuanian Police

registry for the issuance of electronic identity documents, such as

passports, ID cards and residence permits. The Enrolment solution

is capable of capturing fingerprint, photo, signature and biographic

data in compliance with ICAO requirements.

Electronic Passport

Challenge: X Infotech delivered a comprehensive solution for the

issuance of electronic passports with the “extended access

control” (EAC). X Infotech deployed the Document Personalization,

Production Management, Instant Issuing and Public Key

Infrastructure solutions. The instant issuing platform enables the

passport office to issue identity documents at both central and

remote locations (e.g. embassies).

Lithuania

Liechtenstein


PKI Solution for Electronic Passport

Challenge: X Infotech developed a PKI infrastructure for the creation,

storage and distribution of digital certificates for the Peruvian

electronic passport. X Infotech has deployed the

Document Signer (DS), Country Signing Certification Authority

(CSCA), Country Verifying Certification Authority (CVCA), Document

Verifier (DV), Single Point of Contact (SPOC) and National Public Key

Directory (nPKD) solutions.


Challenge: X Infotech replaced paper-based identity cards with new

internal identity documents that store biometric information on the

chip. X Infotech deployed the ICAO Data Preparation, Card

Personalization and Production Management, Secure PIN Manager

solutions. The new eID card has a signature application as well as

it provides secure authentication for eGovernment services.

Peru

Moldova


Border Control Solution

Challenge: X Infotech implemented a comprehensive solution for the

Tunisian Border Control. The project was organized by United

Nations High Commissioner for Refugees (UNHCR) and dedicated to

the supply of mobile border control solutions for biometric

verification and document authentication (fingerprints scanners,

camera, passport scanners, etc).

Middleware Development for Health Insurance Card

Challenge: X Infotech developed and implemented minidrivers for

the most commonly used operating systems, such as Windows,

Linux, and Mac OS. The development and implementation of

dedicated OS drivers allows end-users to sign electronic

documents or authenticate themselves at medical offices or via

PCs, using their health insurance cards.

Tunisia

Switzerland


PKI Solution for Electronic Passport

Challenge: X Infotech built a reliable Public key infrastructure (PKI)

for the digital signing of sensitive biometric information stored on

the electronic passport. X Infotech delivered a software solution for

the creation, storage and distribution of digital certificates.

PKI Solution for Electronic Identity (eID) Card

Challenge: X Infotech built a reliable Public key infrastructure (PKI)

for the digital signing of sensitive biometric information stored on

the electronic identity card. X Infotech delivered a software solution

for the creation, storage and distribution of digital certificates – the

solution is comprised of X Infotech Document Signer (DS) and

Country Signing Certification Authority (CSCA).

Uruguay

Uruguay


Mobile workstation solution for migration supervision

Challenge: The scope of solutions provided by X Infotech as a prime

contractor included mobile workstations hardware set-ups, mobile

Android offline document verification application (document

verifier) and mobile Android offline OCR application (document

OCR). This allowed to effectively enroll citizens by collecting

biographic and biometric data (fingerprints and face image), as

well as to verify presented identity documents onsite while border

crossing, offline.

Estonia


Software Solutions

for Banking Sector

Where we fit in Banking Sector

Electronic payment cardscontact/contactless/dual

Identity cards with

payment applicationboth local circuit and EMV

Social and financial

services cardsfunds disbursement, pensions,

student grants, tax cards, etc.

Card issuancecentralised/decentralised

personalisation and issuance

Digital onboardinginstant biometric enrolment of

new bank customers

Biometrics for Fintechbiometric data collection and usage

for financial industry

Mobile Moneycashless payments via

smartphones, POS-

terminals and wearables

Digital Bankentire infrastructure for

online banking

systems, open banking.

Software, supplied within projects

Customer identity Process managementDocument Personalization PKI

• Biometric Enrolment

• Identity Management

• AFIS/ABIS

• Biometric Verification

• Case Management

• Document Lifecycle Management

• Quality Assurance

• Document Verification

• Document Issuance

• ICAO Data Preparation

• Key Management System

• Chip Encoding

• Secure PIN Manager

• Production Management

• Instant Issuing

• Stock Management

• Country Signing Certification Authority (CSCA)

• Document Signer (DS)

• Country Verifying Certification Authority (CVCA)

• Document Verifier (DV)

• Terminal Control Center (TCC)

• Single Point of Contact (SPOC)

• National Public Key Directory (nPKD)

Selected References

for Banking Sector

Selected Banking Projects

EMV Card Personalization Solution

Challenge: X Infotech provided Bank Standard with the EMV card

solution, ensuring its interaction with the existing bank system. The

solution is perfectly suited to meet the bank needs and widely

expand the portfolio of its services and products while gaining a

competitive advantage in the marketplace. X Infotech provided a

complete EMV Card Personalization solution including integration

services, maintenance and consulting services for MasterCard/VISA

certification.

Azerbaijan

(Bank Standard)

Instant EMV Card Issuing Solution

Challenge: X Infotech implemented the Instant Issuing solution for

the Processing center that serves as a centralized platform for 28

banks across Uzbekistan. X Infotech delivered EMV Data

Preparation, Card Personalization, local and EMV card product

support.

Uzbekistan

(United International

Processing Centre

Banking projects


Challenge: X Infotech provided Masria Card with a complete

personalization solution, including laser engraving printing, chip

encoding, color printing and dedicated personalization software,

personalization scripts as well as cryptographic infrastructure

development.

Introduction of EMV Cards

Challenge: Eastern Bank Limited replaced magnetic stripe cards

with EMV cards, turning authentication exceptionally secure.

X Infotech delivered several software solutions, including EMV Data

Preparation, Card Personalization, Instant Issuing, as well as

integration services and staff training. X Infotech solution provides

complete support for the personalization of Diners Club,

MasterCard and VISA cards. The bank uses different vendor

embossers together with X Infotech software.

Bangladesh

(Eastern Bank Limited)

Egypt

(Masria Card)

Banking projects

Upgrade of EMV Card Personalization Platform

Challenge: X Infotech successfully upgraded the EMV Card

Personalization solution for one of Bulgaria’s biggest banks. The

upgrade of the existing card platform has increased competitiveness

and allowed the bank to manage a far greater number of cards to

match its product range.

Payment Card with Loyalty Application

Challenge: X Infotech software has allowed First Investment Bank

to deliver new products and adapt to the changing market needs.

The newly implemented solution allows bank clients to combine

payment and loyalty cards in one payment instrument thus

benefiting from a variety of bank partner offers and promotions.Bulgaria

(First Investment Bank)

Bulgaria

(First Investment Bank)

Banking projects


Challenge: X Infotech implemented the EMV Card Personalization

solution as well as different services - integration, training,

maintenance and consultancy for MasterCard/VISA certification.

X Infotech solutions has allowed the personalization centre to issue

a variety of payment cards as well as accommodate new chip card

technologies, such as contactless cards and electronic identity

documents.


Challenge: X Infotech provided a centralized personalization

solution, as well as a solution scheme for Wegagen Bank, located

in Addis Ababa, Ethiopia. Desktop embossers are used for this

project.

Ethiopia

(Wegagen Bank)

Italy

(MF Group)

Banking projects

PIN Generation Solution

Challenge: X Infotech provided Banco Inmobiliario with a turnkey

solution for the issuance of MasterCard/VISA contact cards, PIN

generation and printing of PIN envelopes. The delivered solution

includes - EMV Data Preparation, Chip Encoding, Key Management,

Secure PIN manager.


Challenge: X Infotech provided a software solution for EMV card

personalization. The delivered solution includes: EMV Data

Preparation, Key management System, Chip Encoding along with

professional services such as project management, systems

integration and support. This solution allowed the bank to migrate

from magnetic stripe cards to smart cards as well as issue secure

MasterCard/Visa cards.

Guatemala

(Banco Trabajadores)

Guatemala

(Banco Inmobiliario)

Banking projects


Challenge: X Infotech provided Banco Ficohsa with a comprehensive

solution for the issuance of smart cards. X Infotech delivered

software solutions for EMV Data Preparation, Chip Encoding, Key

Management System as well as professional services such as

implementation, support and consultancy for VISA/MasterCard

certification. The solution allowed the bank to introduce EMV cards

and issue VISA/MasterCard cards.


Challenge: X Infotech provided Kaspi Bank, one of the biggest banks

in Kazakhstan, with a comprehensive solution for the issuance of

smart cards. X Infotech delivered a software solution for EMV Data

Preparation, Chip Encoding, Key Management System as well as

implementation services and professional support. The solution

allowed the bank to migrate to EMV technology and issue 500 000

VISA/MasterCard cards per year.

Panama

(Banco Ficohsa)

HondurasGuatemala

Kazahstan

(Kaspi Bank)

Banking projects


Challenge: X Infotech implemented a smart card software solution

for Cooperative bank, one of the largest banks in Kenya. X Infotech

deployed the Instant Issuing software solution as well as supplied

personalization printers for on-site card issuance at 140 sites across

Kenya.


Challenge: X Infotech deployed the Instant Issuing software

solution as well as delivered desktop card printers and PIN pads for

on-site card issuance at 49 branches and the user-selected PIN

option. X Infotech Instant Issuing allows KCB system to directly

personalize dual interface EMV cards at the branch. The new

platform boosts branch traffic and continuously improves customer

relationship, offering simple and convenient access to banking

services.

Kenya

(Kenya Commercial

Bank)

Kenya

(Cooperative Bank)

Banking projects


Challenge: X Infotech implemented the Instant Issuing

solution for Consolidated Bank. It allows the bank system to

instantly issue cards at the branch. For this project, X

Infotech delivered software solutions and personalization

printers for the instant issuance of payment cards.

Instant EMV Card Issuing and

Biometric Enrolment Solutions

Challenge: X Infotech delivered the Instant Issuing and

Biometric Enrolment solutions for payment cards that store

biometric information on the chip. With these technologies,

the bank is able to prevent identity fraud and theft as well

as increase access security via biometric verification.

Kenya

(Commercial

Bank of Africa)

Kenya

(Consolidated Bank)

Banking projects

Data Encryption Solution

Challenge: Based on the framework of this project, X Infotech

implemented a software solution for complete encryption of

sensitive information. The comprehensive solution meets the

requirements of international organizations.

Mobile Money Solution

Challenge: X Infotech implemented a mobile solution for Equitel –

the mobile banking service for Equity Bank. The Mobile Gateway

solution provides access to remote services, while the Payment

Gateway solution is used for processing of financial transactions.

The mobile banking platform allows bank clients to carry out free

deposits and money transfers.Kenya

(Equity Bank)

Libya

Banking projects

PIN Management Solution

Challenge: X Infotech provided Tag System with a software solution

that ensures a high level of security for end-users, flexibility and

local support. In addition to standard printing of PIN envelopes, the

solution offers printing of PIN Tabs, thereby giving clients numerous

opportunities for business growth.


Challenge: One of the largest banks in the Baltics successfully

introduced a new EMV card personalization platform, powered with

X Infotech solutions. X Infotech solutions offer superior quality for

card personalization and position the bank as the ultimate provider

of secure payment cards in Latvia.

Latvia

(TAG Systems)

Latvia

(Rietumu Banka)

Banking projects

In-house EMV Card Personalization Platform

Challenge: X Infotech delivered the EMV card personalization

solution for optimized Insignia Cards’ operations and improved card

issuance performance. The new card issuance system has also

enabled Insignia Cards to expand their product portfolio. The project

entailed EMV Data Preparation, contact VISA Card Personalization

and Secure PIN Manager.

PIN Generation Solution

Challenge: X Infotech provided Danske Bank Lithuania Branch, one

of the leading banks in the Nordic region, with a solution for PIN

printing. X Infotech Secure PIN Manager enables the bank to print

PIN envelopes on-site, in compliance with security regulations in

the payment card industry.

Malta

(Insignia Cards)

Lithuania

(Danske Bank

Lithuanian branch)

Banking projects


Challenge: X Infotech delivered the EMV Data Preparation, Chip

Encoding and Trusted Service Manager as well as complete system

migration to new personalization machines. X Infotech Trusted

Service Manager allows the client to complete the personalization

process Over The Air (OTA) and Over The Internet (OTI) as well as

update, amend or delete mobile phone applications.

EMV Card Personalization and PIN Generation Solutions

Challenge: X Infotech has provided a software solution for the

issuance of contact and contactless MasterCard cards at the

facilities of Hlynov Bank - the leading bank in the Kirov region. X

Infotech deployed the EMV Data Preparation, Card Personalization

and Secure PIN Manager solutions for PIN generation and printing

of PIN envelopes. The new issuance platform has enabled the bank

to relocate card personalization from a dedicated centre to in-

house personalization facilities as well as increase production

volumes.

Sweden

(MegaCard)

Russia

(Hlynov Bank)

Banking projects


Challenge: X Infotech provided Polygraph Combine ‘Ukraina’ with the

EMV Card Personalization solution. X Infotech deployed the EMV

Card Personalization and Production Workflow Management

solutions, including EMV Data Preparation, Key Management

System, Chip Encoding and Secure PIN Manager. The solution

supports the issuance of contact and contactless MasterCard and

VISA cards.


Challenge: X Infotech deployed the Instant Issuing solution for KCB

Group – the largest banking network in Kenya and Uganda. X

Infotech delivered software solutions as well as desktop card

printers and PIN pads for on-site card issuance and the user-

selected PIN option.Uganda

(Kenya Commercial

Bank)

Ukraine

(Polygraph Combine

“Ukraina”)

Banking projects


Challenge: X Infotech provided a complete EMV card

personalization solution for one of the UK's largest card

manufacturers. The EMV Data Preparation, Key Management

System, Chip Encoding and Software Development Kit solutions

were deployed for personalization of different smart cards.

UK

(Thames Card

Technology)

Banking projects

Selected References

Social sector

Family Card

Challenge: X Infotech implemented the Card Personalization solution

along with high volume personalization machines for a social benefit

system dedicated to low income families. The Family Card program

was designed to control the distribution of subsidized goods in

Egypt. Based on this project, 17 million smart cards were issued

and 45 000 POS/acceptance terminals were connected to the

programme.

Huduma Programme

Challenge: The programme is run by the Government of Kenya that

aims to transform public service delivery by providing access for

citizens to various public services from 12 ministries, departments

and agencies via citizen service centres and integrated technology

platforms. X Infotech has delivered software solutions for a unified

payment infrastructure in the country as well as the Biometric

Enrolment, Card Personalization, Instant Issuing and Secure PIN

Management solutions for the issuance of Huduma cards.

Egypt

Kenya

Social card projects

Electronic Identity Card (eID)

for Orphans and Vulnerable Children

Challenge: X Infotech successfully completed a social project in

Kenya, in collaboration with Equity Bank. This project was carried

out to introduce a social card and develop a payment infrastructure

dedicated to cash transfers and fair distribution of benefits for poor

households with orphans and vulnerable children. X Infotech

delivered the Biometric Enrolment, Card Personalization solutions

and ensured integration with POS systems.

Hunger Safety Net Programme

Challenge: In cooperation with Equity Bank and Ministry of Labour,

Social Security and Services, X Infotech delivered a software

solution for the issuance of social cards in Kenya. This programme

ensures secure cash transfers for vulnerable households. X

Infotech deployed the Biometric Enrolment and Card

Personalization solutions.

Kenya

(Equity bank)

Kenya

(Equity bank)


Student eID Card in Jelgava city

Challenge: The eID Card is a scholar identification document that

combines 4 applications. X Infotech delivered personalization

equipment and software solutions - Enrolment, Data Preparation,

Card Personalization and Secure PIN Manager solutions. For this

project, X Infotech also developed a contactless infrastructure for

public transport as well as payment and access control applications.

Campus Card

Challenge: The Campus Card programme is powered by X Infotech

personalization software. As part of this project, X Infotech also

coordinated the card product certification process with

MasterCard. The simple, easy to use card combines MasterCard

PayPass technology and several applications, including the student

ID card, payment wallets, link to the student’s bank account,

access control, tap & go general application for transport and the

barcode for libraries.

Kenya

(Equity Bank)

Latvia


Ogre`s municipality cards

Challenge: The Ogre`s eID cards of two sub-types: citizen card for

the city's inhabitants and other persons who have the right of Ogres

City Council benefit (subsidies) and pupil`s card used by scholars

who are declared to be living in Ogre, but studying elsewhere. X

Infotech solutions implemented and integrated card personalization

solution and IDCentre Gold for Ogre’s municipality, EMV Certification

Authority for Citadele Bank..

Latvia


Documents

Software Solutions - X Infotech