The OCS Card Application Management System (CAMS) provides a standardised interoperable solution, which provides a platform for the convergence, integration and management of all internal and external client applications and services. It delivers real-time detailed reporting with an extensive range of reporting options that enable the cardholder to manage their account. Interoperability between the CAMS and the client applications is achieved by through the Client Application Interface, which provide a standardised connection between the applications and the system. This innovative solution provides ease of integration of client applications and services and will result in a more secure and cost effective solution.