Customers increasingly demand faster card delivery, premium personalization, instant activation, real-time card controls, instant digital issuance, push provisioning to mobile wallets, and secure frictionless payments—all directly accessible through their banking applications. Elyette Roux, EVP Payment Services, IST, said, “The shift to API-based personalization is about unlocking new value potential for our customers. Issuance APIs: Enables issuers to orchestrate and automate the complete card issuance lifecycle covering the creation, personalization, provisioning, and delivery of physical and digital payment cards. Payment Cryptography & Key Management APIs: Enables banks to secure their payment card issuance infrastructure with our HSM-as-a-Service, managing cryptographic keys, encryption, and transaction signing. With more than 700 million physical payment products issued in 2025, IST combines proven expertise in large-scale physical card issuance with advanced digital payment capabilities.