Alpha Bank: Project for Instant Credit Card Issuance to Students

This project plan outlines the implementation of an instant credit card issuance system by Alpha Bank, targeting university students. The project aims to increase market share, build relationships, and drive revenue. It includes a detailed project charter with objectives, assumptions, milestones, and budget. The plan covers supplier selection, particularly the choice of a printer, based on criteria like quality, speed, and cost. The document describes the instant issuance process, emphasizing connectivity, site installation, and security. It details the implementation steps, including data enrolment, account opening, and card personalization. The project also addresses security measures and the importance of a user-friendly interface. The plan highlights the need for a secure and stable connection between the issuance site and the data center, along with considerations for PCI compliance and data protection. The project is a comprehensive plan for deploying a credit card issuance system, covering all aspects from planning to execution and security.

1- Table of content (Mohamad)
2-Executive Summary (Mohamad)
3-Project definition (Mohamad)
3-Project Charter:
Project Name Issuance of students credit
cards
Start Date 03-06-2019
Project Manager Head of IT department Delivery
Date
12-08- 2019

Project Owner Alpha Bank
A-Project Description:
We are deploying a Credit card issuance system to be used in a job fair and in future events that
allow us to deliver instantly the most advanced Credit Card with pay pass technology ready to
be used along with the generated Pin code relying on a reliable and easy user interface, as well
as telecommunications and hardware equipment.
B-Project Objective:
Initiate End to End solution to issue and deliver Credit Card along with the pin code in a Job
Fair in order to increase our market share, build long term relationship with University
Students, and in turn to drive up revenues and profitability.
C-Project Assumptions:
Success will be determined by the Project Owner once the System is implemented and Card
issuance process has been fully completed with no discrepancies.
When the agreed upon deliverables is approved by the Project Owner, this project will be
deemed completed.
Future enhancements and extensions of the System will be handled as new and separate project.
D-Project Milestone:
The project plan will be submitted and approved in accordance with the milestone schedule
below. Upon approval of the project plan resources will be assigned to the project and work will
commence within 5 business days. The Project Owner must approve any schedule changes
which may impact milestones. A detailed schedule will be included in the project plan.
The high level milestone schedule is:
Deliverable Estimated Time
Work Design June 3, 2019

Site Preparation June 25, 2019
Installation & Configuration July 7, 2019
Testing July 30, 2019
Training for Employees Aug 08, 2019
Going live and Project Completion Aug 12, 2019
E-Project Budget:
The budget for the project is $.......... It is to be funded by the Owner.
F-Project Approval:
Approved by:
Date:
-Stakeholders
The bank
CSC Group (Service Provider)
Job Fair Staff
University Students
Project constraint:

-Card will remain inactive until the Student activates it through the mobile
Application of the bank or any ATM.
- All POS or online transaction are subject to OTP to be sent by SMS to the
Student.
-PIN code Database should be restricted for users on a need-to-know basis
-PIN code will be generated upon deliver the card to the Student.
-Blanc card stock ((including void and reject cards) should be stored in a safe box placed in a
secured area not accessible by Visitors/Students.
-All Hardware equipment should be connected to a UPS for Business continuity.
Project Plan:
Bill Of Quantity
Description Unit Cost (USD) Quantity Total Cost (USD)
Site rental 5000 1 5000
Service Provider 8000 1 8000
PCs 600 2 1200
Screens 150 2 300
Blanc Cards 0.75 500 375
Printer 1600 2 3200
Network router 800 1 800
Wiring 5 8 40
Safe box 150 1 150
Furnishers 75 6 450
Brochures 0.3 500 150
Admin Materials 50
Salaries
Total
Selecting of Suppliers:
1-The Service Provider:
There are several active companies in the Lebanese market that provides instant issuance and
have solutions to software editing, system integration and implementation.
The major Market leaders are: Datacard, PPC and CSC Goup.

As the bank has already a contract with CSC Group to issue all kind off payment cards, we have
agreed to add the instant issuance option to our agreement under a flat amount of USD 8,000
for a package of 500 Cards.
2- Printer Selection:
The Printer is the most important item that should be carefully selected to satisfy our needs,
since there is various type of production, speeds, options and features:
The minimum requirements of the printer are:
-Printer Technology (DTC): direct-to-card Technology heats each panel of the ribbon to
convert the ink into vapor, which then diffuses onto the surface of the card.
- Double-sided printing: Printer can print on both sides in one pass. it is extremely useful for
creating cards with photo identification on one side and a barcode or other information (rules,
schedule, or contact info) on the rear.
- Encoding: One of the simplest ways to improve our security is through the use of encoded
cards.
-Lamination: Laminators can also provide some added security by allowing us to add
holographic patches to the cards.
-Compact and light design to facilitate transport and packaging.
-The provider has to offers in-house training and support so that we have easy access to expert
advice if needed.
Selection Criteria of the Printer

Criteria Score Weight
Quality 25 25%
Fast 15 15%
Efficiency 10 10%
Manufacturer warranty 20 20%
Cost 10 10%
Security 20 20%
100 100%
We have received the following 3 quotations:
Manufacturer Fargo dual-sided Magicard 3E Evolis Zinius
Initial cost USD 1540 USD 1490 USD 1600
Maintenance per
year
USD 150 USD 150 USD 100
Warranty 1 Year 1 year 3 Years
Economic life 5 years 5 years 5 years
Salvage value 0 0 0
Therefore, we have selected Evolis Zinius printer to issue instantly our Credit Cardssince it has a
3 years’ warranty with marginal price difference.
Process Description:
Instant issuance means that: the card is issued and activated on the spot and can be used there
and then enabling the Bank to get easily new customers. It can also be used for emergency card
replacement, giving existing customers the peace of mind that they can continue with their daily
life, even after their card has been lost or stolen.
Instant issuance solutions all have the similar high level architecture in which data generation
and personalization are undertaken at two locations; data generation is processed in the Head
Office Data center and personalization is undertaken at the site of issuance.
Connectivity

Connectivity is one of the most important elements of instant issuance. Implementing instant issuance
services requires the establishment of a high speed, secure and stable connection between the site of
issuance and the Data Center in the Head Office.
Site installations
This is a highly specific part of our project. It is necessary to define all reports and traceability
information necessary for the management and monitoring (these will include stock reports, production
daily report and so forth). The main issue is to keep all operations and architecture at the point of
issuance as simple and light as possible. Centralization of all data preparation and management is critical
in order to reduce the complexity of instant issuance program.
Security
We have to ensure that the processing of our Credit card issuance workflow is totally secured. And
to check that our service provider is PCI-compliant and find out about their policies in the event of a
breach—how will they protect us and our customers.
-Implementation
1. Overview
The decision to invest in an instant issuance solution to university students should be considered as a
global change that is undertaken to support our business strategy for optimizing cardholder experience.
To achieve a compelling service delivery to end customers. We should investigate a suitable software or
hardware solution and consider the right operational process to ensure every actor plays in harmony
both centrally and in the production site.
2. Implementation and site deployment
A typical instant card issuance process begins with the customer’s data enrolment, incorporating a PIN
code selected by the cardholder. System will permit (or deny in case of existing sanctions) the opening
of the new account in real-time and generate the magnetic stripe or embossing data. The instant
issuance solution then receives a request for card creation (cardholder data) and runs the data
generation phase for the requested card product.
The software application must be secured to allow access solely to authorized users and come with an
intuitive user interface that contains a minimum set of features to manage the card personalization; an
easy user interface facilitates the handling of the application for non-technical people.
Additional features may be requested to leverage the service delivered to end-customers, such as a PIN
management feature which allows the cardholder to choose their own PIN code.