Individualization has a name
The converging financial markets and the increasing complexity of multi-channel banking are among the trends that motivate G&D to continually develop its portfolio and tackle every new challenge proactively. Based on the core competencies of the company, we arrange the entire lifecycle of smartcards and their applications within the scope of our managed services. One of the first managed services from G&D was the product line Convego System Picture Card, which has been very successful on the international market ever since it was introduced.

Picture Card services allow bank customers to create their own individual payment cards via the financial service provider’s portal, for example. The Convego System Picture Card package consists of a software applet component, picture verification, and a personalization tool. It can be individually configured so that each financial establishment can incorporate their own specific requirements. The user-friendly front-end and the broad spectrum of editing tools make it popular with bank customers and card issuers alike.
It goes without saying that security and confidentiality throughout the entire value chain are a matter of tradition at G&D. G&D does not receive any customer data and uses Java technology, which means it is only necessary to upload the final layout of each individual card. All editing and picture processing takes place in the virtual machine on the bank customer’s private computer.
The editing process does not require any software download, nor does it take up any processing time or bandwidth on the card issuer’s system.
Multi-lingual language and gallery settings can be stored on a single applet. This flexibility affords global players a cost-efficient means of introducing picture cards in multiple regions or internationally.
Convego System Picture Card expands G&D’s value chain and allows it to offer its customers a one-stop-shop solution. This comprises production of the smartcards, the Picture Card software, the screening service, and the photo personalization – the entire lifecycle. The modular structure of Convego System Picture Card allows every user to select the specific service that they require in order to expand and enhance individual business processes and the entire product portfolio. G&D is able to offer the right solution package for every customer; whether the card issuer is looking for a trustworthy partner to conduct the necessary screening of individual pictures, or whether they wish to use the Convego System Picture Card software as an in-house personalization center. The range of possibilities is as broad as the needs and wishes of the customer.


The card issuer defines the functions that it wishes to make available to its customers for editing their own individual payment card. The small-scale solution allows the card issuer to offer and manage a predetermined set of gallery pictures. The medium-scale solution also gives bank customers the option to upload their own pictures and edit them with a set of picture editing tools, in addition to the gallery option. With the large-scale picture-card solution, the options are almost infinite. Here, customers can give their creativity free reign with a wide range of editing tools and numerous predefined picture frames.
G&D’s screening service is a highly effective tool for ensuring that the ethical, moral, and legal expectations and requirements of diverse interests worldwide are met. Due to its global presence and the Web-based screening interface, G&D is able to reliably identify any picture from overseas with the help of local resources. G&D is therefore able to avoid any potential sources of conflict from the outset, due to picture content that is contrary to local customs, traditions, or laws.
Thanks to G&D’s many years of experience, we have been able to perfect picture personalization processes. This means we can ensure the highest quality for all types of visual enhancement methods and form factors. Through our global network of standardized production facilities, we can migrate picture-card personalization quickly and easily to any of our branches or subsidiaries overseas. Alternatively, the pictures can also be sent to a third-party provider.
G&D stores the pictures in a secure production environment at least until the end of the normal product lifecycle for the individual payment card to allow subsequent reprinting if required.
Individually customizable customer cards
Deutsche Genossenschaftsverlag has conducted picture-card projects with more than 30 German cooperative societies. A substantial number of other cooperative banks plan to introduce the card in the near future.
Picture-card service
Customers of ANZ can apply their favorite design to three different types of card. Customers send a photo, a design, or a drawing from the bank’s website, or select a picture from the bank’s online image database.
Picture-card service
G&D supplies the picture card for the ING Bank and FORTIS Bank in Belgium. ING offers its customers the card in several branches throughout the country.
Picture cards
Members of NABU (the German nature conservation union) can personalize their credit cards with a variety of image designs, each of which represents a particular NABU project. The credit cards symbolize the commitment of NABU and Volkswagen Bank to nature and environmental protection.