Khadi la banki limagawidwa m'magulu awiri: khadi la magnetic stripe ndi khadi la Smart IC kuphatikiza khadi la contact IC chip ndi khadi la rfid.

Khadi la banki la Smart IC limatanthauza khadi lomwe lili ndi ic chip ngati njira yogulitsira. Khadi la Smart IC chip silimangothandiza mapulogalamu ambiri azachuma, monga debit ndi credit, e-cash, e-wallet, kulipira pa intaneti, kulipira mwachangu, komanso lingagwiritsidwe ntchito m'mafakitale ambiri monga zachuma, mayendedwe, kulumikizana, malonda, maphunziro, chithandizo chamankhwala, chitetezo cha anthu, zokopa alendo ndi zosangalatsa, kuti likwaniritse ntchito zambiri za khadi limodzi ndikupatsa makasitomala ntchito zambiri zowonjezera phindu.

Khadi lachipu lanzeru la IC lili ndi mphamvu zambiri, njira yake yogwirira ntchito ndi yofanana ndi ya kompyuta yaying'ono, ndipo imatha kugwira ntchito zingapo nthawi imodzi. Khadi lachipu la Smart IC limagawidwa m'magulu awiri: khadi lachipu la rfid, khadi lachipu la ic lolumikizana ndi magnetic stripe + contact ic chip composite card ndi khadi lachipu lawiri (lolumikizana ndi lopanda kukhudzana).

Pakadali pano, MIND imapereka makadi anzeru a banki ya ic ndi zinthu zina za m'mabanki kumabanki ambiri am'deralo m'maiko aku Southeast Asia, monga mapepala otumizira ma risiti a ATM, khadi lokanda la banki lokhala ndi PIN code, buku logwiritsira ntchito makadi a banki, pepala lachinsinsi, ndi zina zotero.

Mind imapereka kusindikiza kwapadera kwa manambala a deboss/capital, kulemba kwapadera kwa maginito kuphatikiza deta yolembedwa pa track 1/2/3, kubisa kwapadera kwa chip, kulumikizana kwa deta ndi ntchito zina.