Work

2025
2024
2023
2021
2019
2018
2016
2015
2014
2025

Wink Transfer from credit Libanais; pioneering the future of digital transfers

Credit Libanais proudly announces the launch of Wink Transfer , offering users a fast , secure, and cost-effective way to transfer money with range of options making it a groundbreaking solution in Lebanon.

2024

Credit Libanais embraces Digital Wallets in its Payment Ecosystem by enabling QR code payments on all CCM terminals through its Pay Xpress service

Credit Libanais announce a groundbreaking addition to its payment solutions; the ability to accept payments through digital wallets by simply scanning QR codes.

This new feature heralds a new era of convenience for citizens, providing them with innovative checkout experiences in addition to traditional payments via Visa and MasterCard cards in the we  to streamline the payment process and enhance the overall user experience.

 

 

THE RANDA BDEIR PRIZE FOR EXCELLENCE IN ENTREPREUNEURIAL LEADERSHIP

This award is given at  the American University of Beirut to graduate and undergraduate students for the opportunity to recognize and reward entrepreneurial spirit and leadership in the aim  of empowering the next generation of leaders.

2023

Credit Libanais Bank launches “Wink Pay”, the first service that will be included on Wink Neo platform; The first digital bank in Lebanon

Credit Libanais introduces Wink Pay, a newly-launched digital payments brand in Lebanon and the country's first instant card issuance proposition for virtual cards. This revolutionary service provides 6 million Lebanese citizens with the capability to securely and transparently manage their payments for local and international purchases with no need for a bank account.

Through this initiative, Credit Libanais endeavors to contribute to greater financial inclusion.”

2021

Credit Libanais partners with Codebase Technologies and VISA to empower the unbanked population with a first-of-its-kind in Lebanon, an instant full eKYC onboarding mobile application to apply for a virtual prepaid card

Credit Libanais has partnered with VISA, the world leader in digital payments, and Codebase Technologies to develop a frictionless, omni-channel onboarding
experience for customers looking to acquire virtual prepaid cards. This initiative comes at a time when over 6 million Lebanese are struggling from utilizing their debit and credit cards for purchases made abroad and online.


Credit Libanais, worked closely with the Lebanese Central Bank to get the approval on the first digital prepaid eKYC by a Lebanese bank, paving the way to offer the unbanked population a fully
digital channel via a mobile application to instantly apply for a virtual prepaid card allowing people across Lebanon a quick and digital solution for international and online payments.


Built using Codebase Technologies, award winning Digibanc™ Suite, the solution will feature frictionless eKYC, omni-channel onboarding experiences, and empower Credit Libanais with rapid customer acquisition and customers with unique digital experiences. The Digibanc™ Suites modular and flexible architecture will support the necessary enterprise application interactivity requirements to ensure frictionless communication between various Credit Libanais systems: the bank’s card management system, AML, Email and SMS gateways, in order to validate the information filled by the user

2019

The Metallic

Introducing “The Metallic” card from Credit Libanais.

The exclusive metal card, first of its kind in Lebanon, offers elite clientele a wide array of services and privileges that cater to their lifestyles.

Made from metal, with a minimalist design, sleek look, refined touch and embedded with contactless technology, the card is meticulously crafted to redefine the cardholder’s status and surpass all expectations.

“’The metallic’ is more than just a statement, it comes with a top-of-the-line unique customer value proposition, offering tailor-made privileges.” Mrs. Randa Bdeir, Deputy General Manager and Head of E-Payment Solutions & Cards Technology at Credit Libanais.

The Metallic card from Credit Libanais, guaranteed to grab everyone’s attention and make its holder feel delightfully empowered.

2018

Appointment of Randa Bdeir as Deputy General Manager, Head of Electronic Payment Solutions & Cards Technology at Credit Libanais

Credit Libanais is pleased to announce that Mrs. Randa Bdeir has joined the Bank as DGM, Head of Electronic Payment Solutions & Cards Technology.

With more than 25 years of experience in electronic payments and cards technology, Randa Bdeir has led key strategic initiatives that have significantly advanced the electronic payments industry in Lebanon and the region and played a major role in hosting and developing innovative payment products in the Lebanese market including the e-commerce and the contactless & NFC technologies, to name but a few.

Credit Libanais launches an additional layer of security “OTP” on the 3D Secure service to enhance E-commerce & mobile commerce

Mrs. Randa Bdeir, Deputy General Manager at Credit Libanais, said: “In order to promote, encourage and develop E-commerce, it is imperative that we offer cardholders and merchants solutions that are easy to implement. We are in the process of applying a digital security plan that meets present and future market needs. Therefore, we have enhanced 3D secure authentication service to use a new authentication known as One-Time Passcode OTP”

2016

VISA MEA LBP CREDIT CARD

Launch of the first Visa contactless co-branded mileage card with the Middle East Airlines in LBP.

3D SECURE ONLINE PAYMENT SECURITY

Launch of e-commerce and mobile commerce security tools under the slogan "Online Payment Security… A Way Forward".

TOKENIZATION

Launch of the Tokenization Technology; a new technology securing tools for e-commerce and mobile commerce.

CLOUDPAY MOBILE PAYMENT

Introduction of "CloudPay" in Budapest at the MasterCard Innovation Forum, a new Mobile Payment experience that allows customers to create their own electronic wallet and store multiple cards on the cloud to perform secure contactless payments. It is the first cloud-based wallet platform in the Middle East and facilitates payments through other payment channels such as Apple Pay, Samsung Pay, Android Pay, MasterPass & Visa Checkout.

2015

MERCEDES-BENZ CREDIT CARD

Launch of the first co-branded card in partnership with Mercedes, offering dedicated benefits to Mercedes-Benz clients.

TAP2PAY WEARABLES

Introduction of payment through the contactless Watch and contcatless Bracelets as a part of the Tap2Pay Wearable family. 

2014

"TAP2PAY" NFC CONTACTLESS PAYMENT

Launch of the "Tap2Pay"; the first NFC Mobile Payment service in Lebanon and the region.

VENDING MACHINE

Introduction of a vending machine that allows customers to make a quick buy for pre-designed / prepaid cards for various occasions or personalize their own prepaid card through the Card Artist screen.

VISA PAYWAVE

Launching of the first Visa Paywave debit card in Lebanon. 

OGERO BILL E-PAYMENT SOLUTION

Launching of the online bill payment solution for landline, Internet and DSL, using credit and debit cards. 

2013

"THE ULTIMATE" CEDAR MILES WORLD ELITE FROM MASTERCARD

The first World Elite card in the region; "The Ultimate" Cedar Miles card was launched, offering 2 miles for every US dollar spent on the card and a possibility to redeem those miles with any of Skyteam’s 20 partners as well as exclusive privileges & benefits.

ABC CONTACTLESS CARD

The First contactless card was introduced on a co-branded card with ABC, the biggest department store in Lebanon, offering its holders a wide range of exclusive benefits.

EMALL ONLINE SHOPPING

Launch of the first online shopping platform, allowing Lebanese merchants to sell their products to the world.

AUDI EVENT CLUB WEBSITE

New online payment platform targeting VIP clients through which they can access international entertainment and sports events at preferential rates. 

E-GALLERY LAUNCH

Introduction of the first of its kind showroom that showcases the future trends in the electronic payment industry. 

EDUCATIONAL PROGRAM “PAYMENT TECHNOLOGIES: PAST AND FUTURE”

Bank Audi launched an initiative consisting in a series of workshops for university students entitled “Payment Technologies: Past and Future” and presented by Mrs. Randa Bdeir, Group Head of e-Payment Solutions and Card Services at Bank Audi sal, with the aim of exposing the youth to newly implemented technologies worldwide and to the future of payment trends. 

Bdeir introduced the first of its kind showroom that showcases the future trends in the electronic payment industry. 

Mrs. Bdeir’s quote on the occasion: “We launched these workshops for university students from all over Lebanon because Bank Audi has taken on the responsibility to educate the coming generation. This initiative started with the inauguration of the e-gallery whose objective is to allow the youth to properly understand how the payment system works, what the future payment trends and solutions are, and how they adapt to people’s needs and lifestyles”.

2012

VISA BUSINESS DEBIT CARD

The introduction of the first e-payment solution with 7 different profiles allowing companies to better manage their cash flow.

BANKERS ASSISTANCE PAYMENT SOLUTION

A new solution was introduced with Bankers to facilitate payment at pharmacies.

BANK AUDI AND MEA 5000

Launching a new MEA card to celebrate the arrival of ASN5000 Airplane.

2011

DREAM TRIP TO MADRID

"Dream Trip to Madrid" Promotion was launched targeting all Bank Audi's cardholders.

Bank Audi Connects with the Youth with the "Card Artist".

Bank Audi launched the “Card Artist” portal, a new web-based application which allows customers to design their own personal payment card in a few simple steps. 

The “Card Artist” service allows users to:

  • Redesign their existing prepaid or credit card.
  • Buy a “Gift Card”, design it and offer it to their loved ones or employees.
  • Apply for a new credit card and personalise its design.

KIDS REWARDS LOYALTY PROGRAM

A new loyalty program was introduced with the use of 5 characters (Fifi the cat, Gigi the giraffe…) targeting our cardholders' children. 

ARABNET AND QR CODE TECHNOLOGY

A "card that talks" was presented at the Arabnet digital summit: the QR Code technology was incorporated to the cards collection, whereby cardholders could snap a picture of the QR Code with a smartphone or they could place the card into a scanner linked to a computer which directly triggered, via internet, a preloaded content to pop up on the screen.

AMEX CENTURION CARD

Bank Audi & Amex launched the most prestigious Amex card ever - The Centurion Card.

2010

LOUBNANI

Launch of the first card in LBP, the “Loubnani” credit card, to enhance patriotism and support the Lebanese currency with the slogan "Let the Lira have its say".

AISHTI CLASSIC & PLATINUM

Launching of a co-branded card with Aishti, and second participation in the MasterCard Aishti Fashion Experience, in an effort to reposition Beirut as the fashion capital of the region. 

MULTI-TOUCH SCREEN TECHNOLOGY AT ARABNET

Introduction of a new technology-based marketing tool, the “multi touch screens”, used for the first time in this event. 

 

CEDAR MILES MEA MASTERCARD JORDAN

The MasterCard Cedar Miles cards were launched in Jordan, in Jordanian Dinar.

2009

FASHION FESTIVAL

Participation in the first MasterCard Aishti Fashion Experience positioning "Beirut as a fashion capital" and launching a promotion targeting Titanium and World cardholders and offering them a chance to attend the Milan Fashion Week upon usage of their card.

2008

MEA VISA CORPORATE CARD

A new mileage corporate card was introduced offering Cedar Miles to both corporations and their employees.

2007

BOARD OF DIRECTORS FOR SAMEA REGION

Randa Bdeir is reelected to represent Bank Audi in the Board of Directors of MasterCard for the SAMEA region

PREPAID CARD; CASH IN A CARD

A collection of colorful prepaid cards was introduced, targeting various needs: Yellow-Teen Card, Azure-Travel Card, e-Orange-Internet Card, Lime-Money Transfer Card, Vanilla & Purple-Gift Cards.

 

PREPAID CARD

Introduction of prepaid cards for various occasions: New Born Card, Birthday Cards, Wedding Card, Valentine Card, Mother Day Card, Christmas Card.

2006

SHINE THE MIRROR CARD

The first mirror card targeting exceptional women was created

CENTRAL BANK GOVERNMENT MASTERCARD

A government card for Central Bank employees was launched as a first step towards e-government.

MTC TOUCH E-RECHARGE SERVICE

MTC Touch launches the e-recharge service via Internet for all "Magic Orange" through Bank Audi e-payment getaway.

2005

HORIZON PLUS THE INSTALLMENT CARD

A new installment platform was launched, representing a new era of payment. 

2004

VISA MINI

Launching of Visa Mini, the world’s smallest debit card. 

 

 

2003

Launching the service of Acceptance of International card on ATM & POS in the Syrian Market

Fransabank successfully connected its switch with the switch of the Real Estate Bank in Syria. This connection enabled the international credit cards (MasterCard & Visa) to work officially in the Syrian Market (ATM & POS). 

 

 

2002

INTRODUCED NEW MARKETING STRATEGY IN THE CREDIT CARDS DEPARTMENT: MARKET SEGMENTATION

Introducing new products to every segment:

  • PIC Card (MasterCard)
  • The Prepaid Cards (MasterCard Electronic)  
    • Lady Card
    • Youth Card
    • Bonus Card
    • Gift Card

These cards were the first prepaid and reloadable cards in the market. They catered to various ages.

Issuing Syria Card

As a first step in the agreement, Fransabank issued the First Local Debit Card called Syria Card in favor REB. This card was distributed to government employees to withdraw their monthly salary. 

 

 

Launching a MasterCard Affinity Card -SOS Children's Village

This card was the first of its kind in Lebanon as it is done with the collaboration of a welfare organization. The concept of the program is to help children's growth.

Every time the cardholder makes a transaction using their SOS MasterCard card, Fransabank makes a donation to SOS Children's Village. 

2001

Appointed as a member of advisory board of MasterCard International - South Africa Middle East & Africa region

MasterCard Middle East/Africa has elected its 12-member Board of Directors, which includes Mrs. Randa Bdeir - Marketing and Business Development Director for Fransabank - the first woman to sit on MasterCard Regional Board. 

CONDUCTED A MARKET STUDY FOR THE SYRIAN MARKET

Delivering a presentation for Real Estate Bank & Commercial Bank of Syria in Syria. A special lecture was presented to the top management and head of departments of the Syrian Banks: REB & CBS.

This presentation highlighted the features and benefits of the credit cards. 

 

Election as a member in the SAMEA Board of Directors of MasterCard International

We have been elected as a member in the SAMEA Board of Directors of MasterCard International 2001-2003

2000

Launching the new Co-branded MasterCard cards with Aishti & Al-Nahar embedded with special benefits from the Cobrander

  • AISHTI: First co-branded MasterCard with a big retail store. This card offers many extra benefits such as special discounts at Aishti stores etc...
  • An-Nahar: First MasterCard co-branded with a newspaper. This card offers many extra benefits such as subscription in Al-Nahar newspapers, free Noun magazine etc...
1999

LAUNCHED NEW MASTERCARD PRODUCTS:

  • Friendly Card allowing customers to choose card design, revolving credit card.
  • Platinum Card: First Platinum MasterCard introduced in Lebanon, targeting VIPs.
  • LibanCell Card: First co-branded MasterCard introduced in Lebanon with a Telecom company. Offers free roaming, among other features.

Launching a new POINT SYSTEM PROGRAM "World of Gifts Catalogue"

A new point system program was developed by introducing the World of Gifts Catalogue that gave the cardholders the option to redeem their points against airline tickets as well as against various kinds of gifts such as watches, toys etc...

Launching the Program برنامج دعم الفن و الثقافة sponsoring Educational Program

This program highlighted the importance of creating a new image for the bank by sponsoring a series of educational programs with the Faculty of Engineering & Architecture at the American University of Beirut. 

A special press conference was organized at Fransabank auditorium to launch this event. 

ELECTED AS MEMBER IN “VISA ADVISORS COMMITTEE”

Fransabank was chosen as a member in the CEMEA business Advisors Group that reports directly to the Visa Board of Directors. This committee has the objective of studying the latest developments in Visa products and services and discussing other related issues. 

ELECTED AS MEMBER IN “SMART GROUP AT MASTERCARD”

Fransabank was chosen as a member in the SMART group (Strategic Market Advisors Round Table). The main duty of this group is to suggest to the MasterCard Board of Directors a strategy on how to develop the credit card business and products. 

PLAYED A ROLE IN FOUNDING “NET COMMERCE” COMPANY

Net Commerce was established in partnership between Credit Libanais and Data Management. It is a company specialized in E-Commerce Business.

Net Commerce gateway provides real-time online authorization and settlement for credit card payment over the internet. 

Appointed as board member of NET COMMERCE

A leading provider of Internet payment services, Net Commerce was the first company that manages the submission of payment transactions to the processing networks on behalf of its merchant customers.

1998

LAUNCHED THE FIRST EDITION OF “LEBANON BY NIGHT” GUIDE FOR MASTERCARD HOLDERS

This project catered to the MasterCard cardholders who enjoy going out. The guide listed all the addresses of the entertainment and leisure spots in Lebanon: hotels, restaurants, pubs, night clubs, among others.

Introducing the Incentive Program for Fransabank Employees

Fransabank prepared a special incentive program to encourage the employees to sell MasterCard Products. 

1997

PLAYED A ROLE IN FOUNDING THE INTERBANK PAYMENT NETWORK (IPN)

Interbank Payment Network (IPN) is a private company owned by four of the largest banks in Lebanon:

  • Banque de Liban et d'Outre Mer
  • Bank Audi
  • Fransabank
  • Credit Libanais 

Appointed as Board member of IPN Company

The Interbank Payment Network is responsible of managing the ATM switch for Lebanese Banks.

1996

INVENTED THE CONCEPT OF INTERNET CARD

For the first time in the world, we have invented the Internet Card and introduced it in the market to be used for the web. 

It is a Card with a low limit that enables the cardholder to have access to special programs on the Internet without being subjected to piracy.

Signing Exclusive Agreement with Middle East Airlines (MEA)

On August 1st 1996, an exclusive agreement was signed with Middle East Airlines to launch the "Point System Program" that was the first of its kind in Lebanon. 

1994

Appointed as Board member in the Credit Card Management Company

CCM manages the first and largest merchant network and offers a complete cards solution in Lebanon and the Middle East.

Founding the CCM company (Credit Cards Management)

We have established the CCM in partnership between Fransabank, Credit Libanais and Lebanon and Gulf Bank.

The main functions of this company was:

  • To process electronically all transactions made by Credit/ Debit Cards
  • To install the POS machines at points of sale
1993

Introduced a New Marketing concept “wrapping the card with options”

After signing the agreement with the International Airlines Passengers Association (IAPA) and Priority Pass, we have introduced the first credit card in Lebanon with extra benefits and services, such as discounts at hotels, and access to airport lounges, presented in very nice packaging.

IAPA and Priority Pass offer the following benefits:

  • Discounts on hotel bills worldwide
  • Discounts on car rental company rates
  • Executive lounges in international airports

Launching MasterCard Products

- MasterCard Standard

- MasterCard Gold

- MasterCard Business

Signing Agreements with IAPA and Priority Pass

For the first time in Lebanon we have introduced new exclusive benefits to MasterCard cardholders by signing agreements with two International companies that provide various services.