The document discusses prepaid cards and payments in Nordic markets. It provides an overview of the prepaid market size in Nordic countries which is estimated to reach 170 billion NOK by 2015. A majority of the market is general purpose prepaid cards for travel, gifts and gaming. It also discusses various prepaid models and concludes that there is still market potential for niche players, corporate clients need prepaid solutions, and prepaid can drive innovation. EVRY is presented as a potential partner to explore prepaid opportunities.