6.7 What to Look Out for

6.7.1 Checklist

The checklist below provides a summary of key factors to consider in implementing an manging your card programme through Thredd.

Area	Description
Business Case	Do you have a well thought out business case that considers anticipated costs and future user needs?
Programme Setup	Has your programme been set up in a way that considers future needs, such as supported countries and currencies?
Card Configuration	Have your card products been set up and configured to match your business requirements?
Card Controls	Do you have appropriate card usage controls in place to ensure cards can only be used at the locations you permit and for permitted amounts, to reduce the risks of fraud?
Development and testing	Have you fully designed, developed and tested all systems and applications providing the service, and checked that everything works from an end-to-end perspective?
Cardholder Interaction	How are you going to interact with your customers? What staff and systems will be in place to answer queries about problems with the card, change of address, issues with specific transactions or to report fraudulent transaction?
Customer self-service	How will you provide options for customers to self-service their account? Will customers be able to change their PIN, change their contact details, view the account balance, view recent transactions, view account statements or request a new card?
Transaction Handling	Do you have the systems in place to manage the authorisation and card balance update process?
Reporting and Reconciliation	Do you have the systems in place to manage transaction reporting and reconciliation?
System Maintenance	Do you have development resource in place to support updates to your card programme systems and routine maintenance tasks?

6.7.2 Common Challenges and Thredd Recommendations

• It takes longer than you think.

• Many third parties are involved in setting up a card programme – such as schemes, issuers, tokenisation service providers and 3D secure providers. Time to market will vary depending on the complexity of your programme.

• For new cards, we recommend you always run an internal staff pilot before rolling out your service to external customers.

• Plan for change. Your card programme doesn’t stop when you go live – system changes and maintenance will require ongoing resources and investment.