Nordic banks sign up to HCE mobile payments with Nets

GROUP SOLUTION: Denmark’s Bokis Partnership is launching HCE mobile payments

Customers of banks belonging to Danish banking collective The Bokis Partnership will soon be able to make host card emulation (HCE) based mobile payments via a service that uses an HCE and tokenization platform from digital payment services provider Nets and Carta Worldwide.

The Bokis Partnership includes 62 banks that form the small to mid-sized segment of the Association of Local Banks, Savings Banks and Cooperative Banks in Denmark, together with five Danish regional institutions: Jyske Bank, Sydbank, Spar Nord Bank, Arbejdernes Landsbank and Nykredit Bank. The Bokis mobile wallet solution will be available to all customers of the participating banks.

“Nets’ HCE and tokenisation platform provides Nordic banks with an open and easily integrated transaction security capability which dramatically simplifies the process of supporting or deploying mobile payment solutions,” Nets says.

“The platform is based on internationally recognised security standards and enables banks to quickly and easily introduce HCE and tokenisation into their own mobile payment solutions, reducing time-to-market and streamlining what can be a long and complicated process.”


“We are excited to be the first in Denmark to announce our plans to deliver bank-issued mobile wallets from our members, providing a mobile payment solution that delivers real payment convenience to our customers,” says Søren Nicolaisen, managing director of the Danish Regional Bankers Association.

Nets is using Carta’s Token Processing Appliance (TPA) turnkey tokenization platform to offer the service to its network of bank customers in northern Europe’s Nordic and Baltic regions. The company is also set to launch a HCE based mobile payment service in Denmark in autumn 2016 that will let consumers load the Dankort Danish debit card into mobile phones to make in-store payments.

The company’s Hans Henrik Hoffmeyer discussed the tokenization platform and the lessons learned from selecting and implementing a tokenization solution able to serve 200 banks in an NFC World webinar last month. The webinar is available to view here.

Next: Visit the NFCW Expo to find new suppliers and solutions