Roger Clarke's Web-Site

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Roger Clarke's 'Chip-Based Payment Schemes'

'Chip-Based Payment Schemes:
Stored-Value Cards and Beyond'


Smart Card applications in the financial services arena have reached maturity.
Your organisation can no longer rely on superficial information about them.
It needs this vital source-book now!


This 175-page Report has the following features:

The insights contained in these chapters provide executives with the opportunity to appreciate the impact of the technology within their own industry, and to envision ways in which their organisation can apply it to strategic advantage.


The Report costs $A395 in Australia and New Zealand, and $US395 elsewhere, both inclusive of airmail postage. Quantity discounts are available.

Here are the Preface, Contents, Overview of Part II, and Summary and Prognosis.

Here are the Ordering Details.


An accompanying book on Financial EDI is also available, and a substantial discount is available if both books are ordered at the same time.


These two Reports have been sponsored by a consortium of the industry's leading consultants and researchers in electronic commerce and electronic payments:

Universities in two countries have also been involved in the research:

The author of the SVC Report, Roger Clarke, is a well-known consultant, and previously a senior academic at the Australian National University. He has published copious reports and papers on many aspects of electronic commerce, and has run comprehensive community-service pages in relation to electronic commerce and a number of other topics since the beginning of 1995.

He performs his electronic commerce work through strategic alliances with ETC and the Centre for Electronic Commerce at Monash University, Churchill, Victoria.


A valuable additional resource in relation to the impacts of smart cards in financial services is 'Smart Cards and the Future of Your Money', prepared by a team from the Monash University Centre for Electronic Commerce on behalf of the Australian Commission for the Future in Melbourne, and published in August 1996. Here are:



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The content and infrastructure for these community service pages are provided by Roger Clarke through his consultancy company, Xamax.

From the site's beginnings in August 1994 until February 2009, the infrastructure was provided by the Australian National University. During that time, the site accumulated close to 30 million hits. It passed 75 million in late 2024.

Sponsored by the Gallery, Bunhybee Grasslands, the extended Clarke Family, Knights of the Spatchcock and their drummer
Xamax Consultancy Pty Ltd
ACN: 002 360 456
78 Sidaway St, Chapman ACT 2611 AUSTRALIA
Tel: +61 2 6288 6916

Created: 15 September 1996 - Last Amended: 15 September 1996 by Roger Clarke - Site Last Verified: 15 February 2009
This document is at www.rogerclarke.com/EC/CBPSBk.html
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