Multi-application smart cards have yet to realize their enormous potential, partly because few people understand the technology, market, and behavioral issues involved. Here, Mike Hendry sets out to fill this knowledge gap with a comprehensive and accessible guide. Following a review of the state-of-the-art in smart card technology, the book describes the business requirements of each smart-card-using sector, and the systems required to support multiple applications. Implementation aspects, including security, are treated in detail and numerous international case studies cover identity, telecoms, banking and transportation applications. Lessons are drawn from these studies to help deliver more successful projects in the future. Invaluable for users and integrators specifying, evaluating and integrating multi-application systems, the book will also be useful to terminal, card and system designers; network, IT and security managers; and software specialists.