Banking · Case Study
An Issuer Migrates Card-on-File Volume to Network Tokens
Coordinated push provisioning and partner-merchant rollout materially raise authorization rates.
The issuer's card-on-file traffic was concentrated with a small set of merchant partners. A coordinated migration to scheme-issued network tokens - paired with push provisioning at the wallets - moved the bulk of stored-credential volume to tokens within two quarters.
Authorization rates improved measurably and credential-lifecycle updates became transparent to both the issuer and the merchant.
Outcomes
- ▍Authorization-rate uplift on migrated merchant partners
- ▍Transparent credential-lifecycle updates
- ▍Lower exposure to merchant-side card-on-file breaches