Bell ID in partnership with Magnum Solutions Pvt. Ltd., delivers its ANDiS4EMV^© solution to facilitate a managed service for, initially, five Indian banks, enabling cost-efficient migration from traditional magnetic stripe credit cards to multi-application EMV smart cards. The ZERO-Mass Consortium, led by New Delhi-based technology company A Little World, is to host the EMV pilot infrastructure for ICICI Bank, State Bank of India, Bank of Baroda, IndusInd Bank, and Citibank. The scalable software solution includes on-card applications EMV debit and credit, electronic purse, loyalty, mass transit, and Public Key Infrastructure (PKI). The solution is equipped with post-issuance personalisation capabilities and complies with all global standards applicable to EMV migration.