American Express

American Express

Case 1 - EMV (Chip & PIN) European Mastercard & Visa contactless card

The Challenge

American Express wanted to maintain their competitive position in the marketplace in respect to an EMV contactless card. ​ Consulting Smart was selected to provide thought leadership in the development of a rollout strategy and then to Programme Manage the development of capability and deployment to UK consumers. ​ This was the first EMV contactless card implementation of its kind for American Express. In addition to deployment in the UK, we were also tasked with mentoring other Australia, New Zealand, Canada and Singapore in their contactless deployments.

Our Approach

Consultancy & Implementation ​ We worked with the clients UK Products and Technologies teams to develop a rollout strategy the maximized market optimization opportunities, whilst efficiently managing costs. At the time contactless payments were emerging and not mature, so Merchant Acceptance was a contributing factor for the rollout strategy, along with product types, geography, card expiry and consumer demand. ​ An additional challenge was the need remain with the existing card personalisation vendor. At the time they could not meet the clients need for a DDA capable dual interface card, we created the first ever two vendor card production model in Financial Services. We then lead the technologies, operations and marketing teams to deploy dual interface cards to all qualifying customers for each of the participating product types.​

The Result

The contactless capability was implemented to time under budget and seen as the flagship example of deploying EVM cards with the increased authentication method DDA. It has been replicated as ‘Best Practice’ in many markets since.

Case 2 - Mobile Contactless (NFC) Payments Isis Wallet (US)

The Challenge

American Express had the opportunity to be at the forefront of NFC development in the US by working together with Isis. ​ Consulting Smart was engaged to develop and implement the first open NFC wallet, which would create value for partner banks, merchants and consumers.

Our Approach

Consultancy (mentoring) and implementation ​ Consulting Smart was supported by an in-house Senior Technical Consultant and a number of PMO consultants. This team drove the development of the Mobile Applet and orchestrated the implementation and deployment of American Express Network capability for Mobile Contactless (NFC) Payments. ​ We led the development and implementation of the American Express Network capability for Mobile Contactless (NFC) Payments. These included the development of a mobile applet, the set-up of secure provisioning channels via TSM, and the creation of network capability to process and uniquely identify NFC transaction. We initiated the programme and assembled a core team spanning 4 divisions of the client’s business, the proprietary issuer in the US, the Wallet Vendor Isis, and a number of suppliers. We then put in place the Governance and Workstream Structure for the programme which extended to over 160 individuals.

The Result

TThe pilots which took place in Austin, Texas and Salt Lake City, Utah were considered a great success. The programme has since been rolled out nationally in the US. ​ Consulting Smart mentored a number of fast follower markets including the UK, Spain, Canada, Australia and Singapore. ​ It was acknowledged by the wallet provider, Isis, that Consulting Smart’s industry experience, technical expertise and willingness to collaborate openly, was a key success factor when developing their own wallet.


It truly would not have been possible without your unwavering dedication........Heartfelt congratulations to you

Tony Prentice

Tony Prentice - VP - Digital Payments at American Express

The Consulting Smart Team came in to assist American Express to develop and launch the first Mobile NFC project (ISIS participation - U.S. MNO collective of AT&T, Verizon and T-Mobile) globally for Amex.

Consulting Smart were a critical asset to delivery for the foundational development and integration of Amex technologies to deploy NFC including the very first American Express payment applet and payment network specification.

Steve Beecroft of Consulting Smart Ltd led the network, applet and specification development programme end to end and he and his team were the key driver in our success.Pratap GautamPratap Gautam, Director Innovative Payment Solutions, American Express