Transformation Overview
A leading credit card issuer in Chile, originally the financial division of a major supermarket chain, executed a seamless migration of its card operations to the eMACH.ai Cards platform. The project enabled the issuer to transition from a restricted closed-loop system to a global processing model supporting Visa and Mastercard.
Despite the challenges of migrating massive card volumes from a third-party provider and navigating local Spanish-language requirements, success was ensured with zero downtime and round-the-clock support. This modernization replaced an obsolete legacy system with a scalable, PCI-compliant architecture, allowing the issuer to integrate real-time interfaces and advanced financial services like automated authorization and dynamic installment models.
Business Impact
- Seamless Migration: Successfully transitioned 2.5 million cards from a third-party provider to the new ecosystem
- Volume Surge: Scaled processing capabilities to handle a surge from 370,000 to approximately 3.3 million transactions monthly
- Market Expansion: Transitioned from closed-loop cards to global Visa and Mastercard acceptance, capturing a 5% market share in Chile’s credit card industry
- Customer Engagement: Enhanced active usage to over 700,000 active cards through a unified, 360-degree customer service view
- Operational Agility: Reduced turnaround time for new product lines while integrating diverse third-party partners for fuel, travel, and insurance
