Card Issuing for Danish Banks
Tieto Banktech offers Danish banks a proven, modern card issuing platform – built in the Nordics, trusted by banks across Europe, and designed to eliminate legacy infrastructure costs while delivering new card products faster.
Card issuing in Denmark today
Denmark is one of Europe's most cashless economies, which creates both a major opportunity and a clear obligation for the banks behind every transaction. Banks issuing cards and digital wallets are running essential national infrastructure, not a peripheral service. At the same time, Danish banks are under pressure to modernise fast, without disrupting customers, as explored in our blog on modernising cards at pace with Cards‑as‑a‑Service. Fraud, regulation and compliance costs are also rising, especially around cards, which is why Nordic banks are increasingly looking at shared CaaS platforms to cut the cost of compliance while strengthening card security and fraud controls, as described in Nordic banks: cut card fraud risk with Cards‑as‑a‑Service. Meanwhile, market consolidation means fewer, larger banks that must do more with the same (or smaller) operations teams, prompting a shift towards a more modular, LEGO‑style approach to innovation, where new products are built like configurable blocks across portfolios and markets – a direction we explore in Denmark’s LEGO effect: modular card innovation with CaaS.
Together, these forces make the card business high volume, high stakes, and highly strategic – and set the theme for why the question is no longer whether to modernise card operations in Denmark, but how to do it quickly, safely and with maximum flexibility.
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What would your card business look like when the infrastructure gets out of the way?
If your bank is looking to modernise its card issuing and reduce the cost and complexity of running cards, please contact: Nikolai Kjaersgaard Andersen at Tieto Banktech to arrange a consultation.
Challenges & opportunities in cards
THE CHALLENGES
PCI DSS compliance: €2–7M per bank group, per year
Scheme updates take too long on legacy platforms
Multi-vendor complexity across shared data centres
Rising fraud, rising compliance demands
THE OPPORTUNITIES
One platform. Every card function.
A modular, cloud-native card issuing platform replaces the fragmented stack with a single integration. Full CaaS outsourcing or specific components — card management, fraud monitoring, BPO. Banks choose the architecture that fits.
Dankort + international scheme, already in production
Co-badged card management — domestic scheme combined with Visa or Mastercard — is already running in production in Norway. The same proven capability transfers directly to Dankort co-badging requirements in Denmark.
Nine portfolios, one contract, one interface
Multiple card portfolios across different markets managed for one bank group through a single administration tool and a single contract. That is what cooperative banking complexity looks like in practice — and what a multi-tenant platform was specifically designed to handle.
Card issuing that keeps your bank ahead
Banks today must balance delivering innovative services with managing costs, compliance, and operational risk. Our Nordic-built card issuing platform is designed to support this balance by enabling you to modernise your card portfolio, simplify your technology landscape, and respond more quickly to evolving customer expectations and regulatory demands. It delivers this through three core capabilities: faster speed to market and enhanced customer experience, built-in compliance and risk control, and a modular platform that supports sustainable card solutions.
Leaflet: Card Full Value Chain
Contact us
What would your card business look like when the infrastructure gets out of the way?
If your bank is looking to modernise its card issuing and reduce the cost and complexity of running cards, please contact: Nikolai Kjaersgaard Andersen at Tieto Banktech to arrange a consultation.
Cards in the Nordics | Insights
As costs and competition rise, Nordic banks must modernise at pace
Drive faster innovation with flexible card platforms that help banks modernise at scale — without disrupting performance or compliance.
How Nordic Banks Can Cut the Cost of Compliance and Keep Cards Safe
Turn regulatory pressure into opportunity. Discover smarter ways to reduce compliance costs while strengthening your bank’s risk resilience.
How Denmark’s most famous product is helping Nordic banks deliver
Danish banks are proving it — modular, “Cards‑as‑a‑Service” design lets you build new card products like LEGO bricks, with speed and control.
Cultura Bank selects Tieto Banktech in strategic 5-year technology partnership
Cultura Bank enters a 5‑year strategic partnership with Tieto Banktech to modernise its core banking platform, including mobile and online banking, cards, payments and financial crime prevention.
Tietoevry Banking and Bank Norwegian extend strategic partnership for five more years
Bank Norwegian renews its long‑standing partnership with Tietoevry Banking for five more years, relying on advanced card and fraud prevention solutions to support 1.4 million credit card customers.
Our new name honours our Nordic roots, but our focus extends far beyond. Tieto means knowledge. We turn that knowledge into results that matter.
