In the payment market, chip card providers are optimizing the hardware offer alongside with software to minimize production costs. The choice of an OS to run EMV cards is one of the most important for financial institutions, as it directly impacts the overall personalization and issuance costs.
Native OS cards are vastly adopted in EMV markets worldwide. Highly optimized software architecture on native cards makes them the most used type of OS platform in mature EMV markets and new geographies that are undergoing the EMV migration process.
Native OS meet EMV standards to ensure full field interoperability. It is also proved to be the most cost-effective solution for financial institutions migrating to EMV.
Thanks to an optimized code, native OS need less powerful microprocessors to execute the same applications. Its simplicity makes native OS footprint much smaller and personalization time shorter. A faster personalization has a direct impact on cost for issuers, as it brings a higher throughput, thus a lower expense for the personalization process.
Finally, large libraries of pre-certified ready-to-go applets ensure better time-to-market.
