SPECTRA Technologies provides card transaction processing solutions capable of managing both the retailers' proprietary cards as well as all international credit cards. We develop sophisticated smart card solutions which let different card issuers' smart card programs co-exist resulting in competitiveness. We also provide integrated reports such as that on customer's buying habit for promotion purposes.

In addition, these smart card solutions can tally purchasers' total expenditures not just within the country or city of issuing but a dedicated region or even worldwide. Therefore customers have a lot more choices to use their smart money. All these features combine to keep customers coming back.

Our Professional Services for Loyalty Programs include:

• Standard Chartered Bank 'Options' Smart Credit Cards
• Standard Chartered Bank Manhattan 'Infinity' Smart Credit Cards
• Hang Seng Bank 'Cash Dollars' credit card rewards programme
• Genting Worldcard Programs
• City'super super-e and e-gift cards