EMV Migration in Canada: Opportunities and challenges

TABLE OF CONTENTS
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EXECUTIVE SUMMARY

INTRODUCTION
Objectives of the Study
Research Methodology
A Note on Forecasts
Currency
Acknowledgements

THE EVOLUTION OF PAYMENTS IN CANADA
Introduction
The Payments Landscape in Canada
Cash Payments
Debit Card Payments
Credit Card Payments
Cheques
Online Payments
Canadian Payments in Perspective

THE HISTORY OF CHIP CARDS IN PAYMENT SYSTEMS IN CANADA
Stored-value Cards
The Mondex Guelph Pilot
The Exact Pilot in Kingston
The VisaCash Barrie Pilot
The Mondex Coup
Mid-Course Correction
The Mondex Sherbrooke Pilot
Dexit
IMVCCP
CCMP

EMV MIGRATION
EMV Overview
CCD and CPA
Processes in a Typical EMV Transaction
SDA, DDA and CDA
Cardholder Verification

THE CASE FOR EMV MIGRATION IN CANADA
Fraud as a Key Driver
Credit Card Fraud
Debit Card Fraud
Securing and Modernizing the Payments System
Keeping up with International Developments
Multi-application Cards and Future Functionality
EMV Migration Challenges
Issuers
Acquirers
Merchants
Merchants' Views on EMV Migration
Terminal Infrastructure
POS
ABMs
Automatic Fuel Dispensers
The Impact on Consumers

IMPLEMENTING EMV IN CANADA
Overview
Timelines for EMV Migration
The Kitchener-Waterloo Trial
Assessing the Investment Required
Migration Window
Wireless Payments
Migration Forecast
The Supply Structure
The Payment Systems Value Chain

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List of Figures
Canadian Retail Sales by Sector (2005)
Average Annual Growth in Retail Sales by Sector (2001 - 2005)
Canadian Banknotes and Coin in Circulation
Number of ABMs in Canada by Type
Volume and Value of Cash Withdrawals at ABMs in Canada
Cash-based Retail Payment Transaction Volumes in Canada
Annual Volume and Value of Interac Direct payment Transactions
Debit Card Payment Transactions by Sector
Share of Number of Transactions at Retail Outlets (1996 - 2005)
Share of Transaction Values at Retail Outlets (1996 - 2005)
Number of Visa and MasterCard Credit Cards Issued in Canada
Net Retail Dollar Volume and Transaction Volumes (Visa & MasterCard)
Relative Shares of Visa and MasterCard in Canada
Number of Merchant Outlets Accepting Visa and MasterCard
Volume and Value of Cheques Cleared through the ACSS in Canada
Share of Personal Consumption Expenditure (PCE) by Payment Type in Canada
Payment Transaction on PCE by Payment Instrument
Consumer Preferences for Payment Method
EMV Transaction Flow
Credit Card Fraud in Canada
Credit Card as a Percentage of Retail and Cash Advance Dollar Volumes
Breakdown of Credit Card Fraud by Type (2005)
Credit and Debit Card Fraud in Canada
Forecast Number of Credit Cards in Circulation in Canada
Forecast of Credit Cards Issued Annually in Canada by Type
Forecast Number of Debit Cards in Circulation in Canada
Forecast of Debit Cards Issued Annually in Canada by Type
Forecast of EMV Cards Issued Annually in Canada
Forecast of Installed Base of POS Terminal in Canada
ABM EMV Migration Forecast in Canada
Interlinked Value Chains: Payments

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List of Tables
Number of Interviews by Sector
Debit Card payments by Retail and Business Sector
Primary Issuers of Visa and MasterCard in Canada
Key Features of the Mondex Guelph Pilot
Key Features of the Exact Kingston Pilot
Key Features of the VisaCash Barrie Pilot
Key Features of the Mondex Sherbrooke Pilot
EMV 4.1 Structure (EMV 2000)
EMV Compliance Assessment in Europe (mid-2006)
Summary of Merchants' Perspectives on EMV Migration
Key Features of Payment Organization EMV Migration Policies in Canada
Interac's EMV Migration Targets
Visa's Liability Shift
Attributes that make Kitchener-Waterloo an Attractive Trial Location
Number of Retail and Service Establishments by Sector
Canadian EMV Investment Requirements

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