Gemalto Instant Issuance Solution Boosts Microbanking Market in Indonesia

Efficiently serves a widely dispersed population of unbanked consumers

Amsterdam, Nov 4, 2009 - Gemalto (Euronext NL0000400653 GTO), the world leader in digital security, today announced it will deploy its Dexxis Instant Issuance solution in Indonesia to enable on-the-spot delivery of secure microprocessor–based banking cards. Gemalto is working with local partner SAI (Smart Aplikasi Indonesia), an affiliate of leading IT Network solutions provider Alita.

The challenge in Indonesia is how to cost-effectively reach a population of consumers with microbanking services when 90 percent are unbanked and dispersed among 17,500 islands. Gemalto’s solution is decentralized instant card issuance – in-person, in-branch, and in a matter of minutes. The Dexxis solution offer includes EMV smart cards, servers, software, printers, and training to deploy the solution over a secure TCP/IP trusted network in the banking and retail environment.

By using fingerprint biometric authentication from the software inside the chip, the smart cards provide a higher level of security to the cardholder and the issuer. The biometric also simplifies use of the card by eliminating the need to remember the PIN code, which can be a challenge for consumers new to electronic banking. The card can store various types of secure banking services such as an e-purse, prepaid data, deposit remittances, savings and loans, as well as financial and health insurance. Furthermore, the card serves as an electronic statement, logging up to 150 transactions, to help cardholders and financial institutions keep track of account activity with greater ease and eliminating the need for paper statements.

According to A. Putranto, CEO & President of SAI, "This is an exciting period for the microfinance sector in Indonesia with the introduction of smart card technology. Gemalto brings a wealth of experience in digital security solutions for the financial sector and together, we can improve the lives of many by offering them simplified access and greater security in their daily activities."

"This instant issuance model makes it possible to efficiently serve a widely dispersed population of unbanked consumers," said Tan Teck Lee, president, Gemalto Asia. "In addition, it is more cost-effective and simpler than trying to deliver individual personalized cards by mail, especially when you consider that many of the unbanked don’t have a postal address or effective postal service. We are delighted that Indonesian consumers will now have better access to financial services with the microfinance solution, delivered through our partner SAI."

About Gemalto

Gemalto (Euronext NL 0000400653 GTO) is the world leader in digital security with 2008 annual revenues of €1.68 billion, and 10,000 employees operating out of 75 offices, research and service centers in 40 countries.

Gemalto is at the heart of our evolving digital society. The freedom to communicate, travel, shop, bank, entertain, and work—anytime, anywhere—has become an integral part of what people want and expect, in ways that are convenient, enjoyable and secure.

Gemalto delivers on the growing demands of billions of people worldwide for mobile connectivity, identity and data protection, credit card safety, health and transportation services, e-government and national security. We do this by supplying to governments, wireless operators, banks and enterprises a wide range of secure personal devices, such as subscriber identification modules (SIM), Universal Integrated Circuit Card (UICC) in mobile phones, smart banking cards, smart card access badges, electronic passports, and USB tokens for online identity protection. To complete the solution we also provide software, systems and services to help our customers achieve their goals.

As the use of Gemalto's software and secure devices increases with the number of people interacting in the digital and wireless world, the company is poised to thrive over the coming years.

For more information please visit www.gemalto.com.

Media Contacts:

Gemalto Rémi Calvet T.: +33 (0) 1 55 01 64 10 M.: +33 (0) 6 22 72 81 58 E-mail: remi.calvet@gemalto.com	TBWA\Corporate Rebekah Lahey T.: +33 (0) 1 49 09 26 58 E-mail: rebekah.lahey@tbwa-corporate.com

Gemalto Asia Marcos Fernandes T.: +852 2306 3626 M.: +852 6051 6425 marcos.fernandes@gemalto.com	Grayling Global Aparna Agrawal / Joyce Lee / Kenny Yap T.: +65 6325 4606 F.: +65 6325 4616 Aparna.agrawal@sg.grayling.com joyce.lee@sg.grayling.com / kenny.yap@sg.grayling.com

Smart Aplikasi Indonesia Radityo, Aruman T.: +62.21.766.1932 M.: +62.81.2943.4288 a.radityo@smart-aplikasi.com