Bell ID’s customer is one of the largest independent credit card issuers in Europe which specialises in co-branding credit cards. ANDiS4EMV© enables the issuer to convert all of its magnetic stripe-based credit cards to EMV-compliant smart cards, by providing data preparation, key management, multi-application management and Post-Issuance Personalisation (PIP). Some 21 million EMV cards are to be issued across Europe.