Les Ateliers Métiers 2015
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1 Les Ateliers Métiers 2015 Le Common Global Implementation et tellement plus encore Date : 10 décembre
2 SWIFT for Corporates Market adoption report for Q3 2015
3 SWIFT - My Standards November Highlights SWIFT for Corporates November 2015 highlights 215 Corporates joined SWIFT in 2015 (YTD) 135 / 40 / 40 58% Of corporates that joined since 2015 went for Lite2 1, Corporates used ISO formatted messages 58% Of FileAct files sent by corporates are formatted using ISO Corporate groups using SWIFT Page 3 29 Of top30 SCORE banks are certified 18 Of top20 SCORE banks support 3Skey LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 3
4 SWIFT - My Standards Corporate connectivity - Per corporate turnover & banking partners Page 4 4 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 4
5 SWIFT - My Standards FIN traffic Number of Live messages Page 5 5 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 5
6 SWIFT - My Standards FileAct traffic - In terms of number of live files Number of Live files Page 6 6 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 6
7 SWIFT - My Standards FileAct traffic - Top business areas Page 7 7 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 7
8 SWIFT - My Standards ISO traffic - ebam flows Page 8 8 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 8
9 SWIFT - My Standards 3SKey global roll-out status 7,300 Corporates using 3SKey tokens 18 / of Top20 banks on SCORE offer 3SKey(* Banking groups subscribed for 3SKey Vendors using 3SKey developer toolkits 30,000 79,000 Active 3SKey users Distributed 3SKey tokens Page % Countries where 3SKey is offered today (*) ranking based on # SWIFT LES ATELIERS Corporates METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 9 Of SWIFT Corporates also use 3SKey
10 SWIFT - My Standards 3SKey adoption - Banks and service providers offering 3SKey 3SKey website Page LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 10
11 SWIFT - My Standards 3SKey adoption - Latest news on bank adoption Intesa signs up for 3SKey solution SMBC signs up for global 3SKey service Santander rolls out 3SKey in LATAM, Europe and Asia 3SKey was selected in response to a strong demand from corporate clients for personal identification on file channel. Corporates are keen to strengthen approval processes, reduce risk for internal fraud and meet ever increasing compliance requirements. 3SKey will enable Intesa Sanpaolo to offer new, value-add services to their corporate customers to meet changing and more stringent needs of this segment. Sumitomo Mitsui Banking Corporation (SMBC) expands use of 3SKey throughout their global systems to support customers demand for a personal security solution for signing and authentication via a single token. Santander s use of 3SKey tokens on its international cash management portal is now being rolled-out to customers across several global markets, including Singapore & Hong Kong in the APAC region. Santander is also launching the use of 3SKey personal signatures on FileAct. Page 11 Left to right: Erika Toso, SWIFT;; Luca Morgera, Intesa Sanpaolo SPA;; Robert Schneider, SWIFT. Left to right: Nagamine Hiromasa, SMBC;; Tohru Yoshimi, SWIFT;; Airo Shibuya, SMBC;; Yuji Takei, SWIFT;; Stella Lim, SWIFT. Left to right: Robert Schneider, SWIFT;; Luis Corbalan Sanchez de Matas, Banco Santander;; Rafael Vadillo, Banco Santander;; Gema Montoya, SWIFT;; Jose Angel Rivera Iglesias, Banco Santander;; Carlos da Costa, Banco Santander. 11 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 11
12 Le Common Global Implementation et tellement plus encore Focus CGI - Virement Focus CGI - EBAM Focus CGI - Prélèvement Digitalisation : les dernières nouveautés Focus CGI - Relevé de Compté Focus CGI - BSB My Standards LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 12
13 Digitalisation : les dernières nouveautés Maîtrise des paiements jusqu au dernier moment Problématique liée aux virements de masse Rejets de fichiers comportant des erreurs en totalité ou en partie Cut-Off à J-1 voire J-2 Ressaisie des virements arrêtés et rappel des fonds Saisie supplémentaire Délais de paiements rallongés Rapatriement de fonds compliqué Fichier non modifiable plusieurs jours avant Saisie dans les ERP entre J-1 et J-10 Envoi des fichiers via Conservation des fichiers jusqu à J Envoi des fichiers J Page 13 EBICS H2H Réémission de l ensemble du fichier Intégration du fichier Contrôle unitaire en attente Envoi au Cut-Off ou rejet du fichier Réémission du delta des transactions erronées LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 13
14 Digitalisation : les dernières nouveautés Maîtrise des paiements jusqu au dernier moment Une solution développée pour répondre à vos besoins Saisie dans les ERP J-10 Envoi des fichiers via Vérification des fichiers jusqu à J Envoi des fichiers J EBICS H2H Modification du fichier dans un portail internet Envoi au Cut-Off Minimalisation des risques d impayés Page 14 Analyse en temps réel des transactions en erreur Modifications directement dans l outil bancaire via un moteur de recherche Export d un fichier indiquant les virements arrêtés pour intégration dans le ERP Audit complet des modifications sur la remise Envoi de fichiers de masse Sécurité & Traçabilité Recherche de fichiers LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 14
15 Common Global Implementation Market Practice (CGI-MP) Hervé Postic / Marc Pomes-Bordedebat (UTSIT)
16 Mission & Objective Provides a forum for financial institutions (banks and bank associations) and non-financial institutions (corporates, corporate associations, vendors and market infrastructures) to progress various corporate-to-bank implementation topics on the use of ISO messages and to other related activities, in the payments domain. Simplify implementation for corporate users and thereby promoting wider acceptance of ISO20022 as the common XML standard used between corporates and banks. Achieved through consultation, collaboration and agreement on common implementation templates for relevant ISO financial messages, leading to their subsequent publication and promotion in order to attain widespread recognition and adoption. Page 16 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 16
17 Drivers CGI-MP is driven by customer demand for multibank coordination of implementations Intended specifically for global, multi-country, multi-bank and multiinstrument implementations that the participating banks can commonly accept as ONE of their implementations. Focused on the general message structure and then successful creation of individual transactions that can be executed by the participating banks. Published and endorsed from appropriate communities. Engaged through active corporate partnership. Page 17 A corporate can use the same message structure for all their payments with all of their transaction banks reaching any payment system across the globe. LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 17
18 Financial Institution Members In total 48 FI members (Contributing & Observers) Bank of America Merrill Lynch Bank of China (HK) Barclays BBVA BNP Paribas BSK, Bankenes Standardiseringskontor Citibank Commerzbank AG Danish Bankers Association Danske Bank Deutsche Bank DnB NOR Erste Group Bank First Gulf Bank HSBC ING Bank JACCOO J.P.Morgan Nordea Bank Payments Council (UK) Raiffeisen Bank International Royal Bank of Scotland Santander SEB Standard Chartered Bank Swiss Re Page 18 Sydbank A/S UniCredit Bank Wells Fargo LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 18
19 Non-Financial Institution Members 1/2 In total 94 Non-FI members (Contributing & Observers) AITI Alsyon BBP Bottomline Technologies CBI Consortium e5 Solutions EFiS Exalog Fiserv General Electric IKEA KPMG Netilys Consulting Nets NIKE Online Banking Solutions OpenText GXS OpusCapita Professional Answer PwC SAP AG Siemens SIX Interbank Clearing Sungard SWIFT Tembit Tipco TIS UTSIT Page 19 Verband Deutscher Treasurer Visma Software International AS Wall Street Systems XMLdation Zanders LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 19
20 Non-Financial Institution Members 2/2 In total 94 Non-FI members (Contributing & Observers) - continued AccessPay ACI Worldwide AFTE AFP Axletree bfinance Deutsche Post Dion Global Dovetail EastNets Hanse Orga Horváth & Partners Info Merck Mentor Graphics Nordson SBB Storck SunTec ThyssenKrupp UNIFITS Volante Page 20 Vorwerk LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 20
21 Payment flows addressed by CGI-MP Debtor (Payer) Customer Credit Transfer pain.001 Customer Payment Status Report pain.002 Account Reporting camt.052 / camt.053 / camt.054 Debtor Agent (Payer s Bank) Interbank Clearing & Settlement Page 21 Creditor (Payee) Customer Direct Debit pain.008 Customer Payment Status Report pain.002 Mandate Initiation / Amendment / Cancellation pain.009 / pain.010 / pain.011 Mandate Acceptance Report pain.012 Account Reporting camt.052 / camt.053 / camt.054 Creditor Agent (Payee s Bank) LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 21
22 Safeguarding the integrity of the ISO standard Bank guidelines Consistent With National and regional guidelines Common Global Implementation guideline (CGI-MP Template) Derived Page 22 From ISO standard and business model (Message Definition Report) LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 22
23 Work Group scopes v Credit Transfer (pain.001) template to include ACH and wires (domestic and international) and cheques/drafts v Appendix A Clearing system classifications v Appendix B Country specific data requirements v Appendix C - Country specific Purpose codes v Payment Status Report (pain.002) template with process flow v Bank Services Billing Statement (camt.086) Page 23 WG1 Credit Transfer & Payment Status Report WG5 Bank Services Billing WG4 Bank Account Management WG2 Cash Management Reporting WG3 Direct Debit & Mandates v Bank Account Management (acmt) messages covering account opening, account maintenance, account closing, mandate management v Account Report (camt.052) template to include intra-day bank account activity v Statement (camt.053) template to include end of period bank account activity v Debit/Credit Notification (camt.054) template to include detail notification reporting v Appendix A Uses cases and examples v Direct Debit (pain.008) template to include any electronic debit transaction v Appendix B Country specific data requirements v Appendix C Country specific Purpose codes v Mandate Initiation Request (pain.009) v Mandate Amendment Request (pain.010) v Mandate Cancellation Request (pain.011) v Mandate Acceptance Report (pain.012) LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 23
24 WG1 Virement Fin 2015 COMPLETED: v Swiss Postmandate column removed as service will be terminated by end of 2015 ONGOING: v US ACH - NACHA input v Remittance Advice (remt) Sub Working Group v Czech Republic domestic payments (symbols) v Brazil Tax & Utility payments v Thailand review of pain.001 incl. WHT v Qatar / UAE Wage Protection Scheme (WPS) review v South Africa domestic payments v Q4 publication in preparation WG1 Credit Transfer & Payment Status Report WG5 Bank Services Billing WG4 Bank Account Management WG2 Cash Management Reporting WG3 Direct Debit & Mandates MESSAGE TEMPLATES v Credit Transfer (pain.001) template to include ACH and wires (domestic and international) and cheques/drafts v Appendix A Clearing system classifications v Appendix B Country specific data requirements v In draft: destination country requirements v Appendix C - Country specific Purpose codes v Payment Status Report (pain.002) template with process flow UPCOMING: v Page Real-time 24 payments LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 24
25 WG1 Virement 2015 Pays pour lesquels une description spécifique est proposée par le CGI-MP Page 25 ARGENTINA BULGARIA BAHRAIN BRAZIL ESTONIA CHINA CHILE FRANCE HONG KONG USA GERMANY INDONESIA HUNGARY JAPAN POLAND MALAYSIA ROMANIA PHILIPPINES RUSSIA QATAR SEPA Saudi Arabia SLOVAKIA SINGAPORE SLOVENIA TAIWAN SWITZERLAND THAILAND UKRAINE UAE LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 25
26 WG1 Virement 2015 FOCUS : Le NACHA s inspire du SEPA Guide de mapping XML vers les formats CCD, CTX et IAT, distribué par le CGI. Publication d une feuille de route pour une migration ISO des points d entrée/sortie du système de compensation, comprenant deux options : la coexistence ou le remplacement. Extrait de «NACHA ISO Guide» Page 26 «The format of the file to be used to submit Payment Instructions is part of the Payment Initiation (PAIN) suite. For credit transactions, the specific format is called pain.001. The version recommended by NACHA for use of these formats is pain in alignment with the Single Euro Payment Area (SEPA) implementation guideline put forth by the European Payments Council (EPC) and the current and future trend in global adoptions of ISO standards. With this, NACHA desires to maximize global interoperability for U.S. based companies.» LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 26
27 WG2 Relevé de compte CURRENT REVIEW: After Sept 15 plenary updated camt.054 MIG and new Appendix C published New CR raised covering use of TransactionDateTime to record precise time of account event (possibly weekend) v booking date/time which typically is weekday Discussed variations in reporting of credit/debits in mixed batch (no CGI-MP guidance) will track such market variation with ref to any possible future move to more recently ISO versions of camt set Interbank Relay Reporting via SWIFT using camt.053 v2 UPCOMING New Schema/Market Practice guidance now confirmed based on CGI-MP but with some minor schema changes Implementation options/ and Business case development ongoing New CR proposed change of usage rule for AcceptanceDateTime Cards Transaction reporting aim to create a sub-working group Page 27 WG1 Credit Transfer & Payment Status Report WG5 Bank Services Billing WG4 Bank Account Management WG2 Cash Management Reporting WG3 Direct Debit & Mandates v Bank to Customer Statement (camt.053) - ISO20022 Common Global Implementation MIGs including errata v Bank to Customer Account Report (camt.052) - ISO20022 Common Global Implementation MIGs including errata v Bank to Customer Debit Credit Notification (camt.054) - ISO20022 Common Global Implementation MIGs including errata v Appendix A use cases and samples v Appendix B Lockbox reporting for US v Appendix C SEPA DD Type-R reporting LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 27
28 WG2 Relevé de compte A change request was introduced (Nordea) regarding a change to the use of the AcceptanceDateTime element in Related Dates Section of Entry Details/Transaction Details. The change proposed brings the field usage (NU to BD) for non-sepa transaction reporting in line with CGI-MP guidance for camt.052 and 053. An overview of new EU requirements was introduced on reporting of card originated transactions arising from new regulations on Interchange fees for card transactions in the EU. Page 28 Sep 15 - The French community recently updated its guidelines for the indication of the bank operation code in the proprietary element for both the camt.054 and camt.053 following the BTCs. LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 28
29 WG3 Prélèvement 2015 COMPLTED v Worldwide inquiry v SDD 2016 update CURRENT REVIEW v Morocco final v Czech Republic WG1 Credit Transfer & Payment Status Report WG2 Cash Management Reporting v Direct Debit (pain.008) Including country specific data requirements v Mandate Management (pain.009 to 012) IN PREPARATION v US high priority ACH DD v Malaysia v Thailand v South Africa WG5 Bank Services Billing WG3 Direct Debit & Mandates WG4 Bank Account Management Page 29 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 29
30 WG4 E-BAM WG4 Activity (October December 2015) WG1 Credit Transfer & Payment Status Report WG2 Cash Management Reporting WG5 Bank Services Billing WG3 Direct Debit & Mandates WG4 Bank Account Management Page 30 Ongoing Work Seven structural CCRs approved by WG4. CR s proposed for review and vote of plenary. Sub working group presented bank transaction code structure for use in account mandates. Reviewed and discussed with working group Presented use cases from various sources Create CCR for approval Plan to discuss possibility of proposing BTC structure to the ISO Payment SEG Year in review Highlights Production traffic continues expansion Corporate users more than double More than 3x year-over-year growth in traffic Vendor applications New releases/enhancements V1.H2 Steady state facilitating adoption Challenges Bank adoption remains low Common Global Implementation (CGI-MP) initiative 1 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 30
31 WG5 BSB (camt.086) WG5 Activity (Oct-Dec 2015) COMPLETED AFP Discussion Board established to facilitate discussions around BSB ONGOING Banks are mapping line items from TWIST and camt.086 to Bank invoices to help provide more efficient implementation procedures for Corporates Sub-group established to lead BSB market surveys Updating WG5 Member listing WG5 Bank Services Billing WG1 Credit Transfer & Payment Status Report WG2 Cash Management Reporting WG3 Direct Debit & Mandates Page 31 UPCOMING Publish einvoicing gap analysis findings & recommendations. Determine remediation strategy to close gaps. Expanding awareness of BSB to Corporates through Conferences and Events Analysis of AFP Global Service Codes being used by Banks WG4 Bank Account Management MP-001: Tax is not typically included in the camt.086 reporting by Banks. This is a mandatory requirement for einvoicing. MP-002: Earnings Credit Rating mapping method. MP-003: No activity reporting. PUBLIC - Common Global Implementation (CGI-MP) initiative 1 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 31
32 WG5 BSB (camt.086) WG5 Bank Services Billing Ce qu il faut retenir - Le management du groupe CGI MP a été repris par HSBC récemment - Les points discutés urs sont toujours les mêmes: - utilisation des GSC - périmètre des frais rapportés - maturité des logiciels du marché à intégrer les informations - Le GUF - CFONB a mis la rédaction d un guide BSB à son plan de travail 2016 pour le marché Français, en ligne avec les recommandations CGI MP, - L atelier Frais Bancaires des journées AFTE 2015 a remporté un franc succès. - le sujet des frais bancaires doit apporter transparence et permettre de vérifier l application des conditions négociées - il faut se préparer à compenser les banques pour le service - Le marché devient plus mature sur le sujet Page 32 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 32
33 Page 33 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 33
34 Corporates onboarding with MyStandards November 2015
35 SWIFT - My Standards The source of complexity Base Standards: MT/MX/ISO Market practices Page 35 Implementation guidelines Bank 1 Format Bank 2 Format A lot of small differences Many ways to explain them Bank 3 Format LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 35
36 SWIFT - My Standards An industry solution to an industry problem A collaborative web platform MyStandards Readiness Portal Page 36 to better manage standards and onboard customers LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 36
37 SWIFT - My Standards Not just a repository of specifications A Consistent Industry Approach PUBLISHER Multi-format Documentation CONSUMER Powerful Comparisons Publish specifications Self-service Internet Testing Shared View of Readiness Test against specifications Page 37 Getting standards-related issues out of the way LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 37
38 SWIFT - My Standards MyStandards in numbers 85 Publishing organisations % Registered users Increase year-over-year Page 38 Usage guidelines Portals created LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 38
39 SWIFT - My Standards MyStandards British Council With our developers having online access to our bank payment and formatting rules, development and testing was very rapid Richard Symonds, British Council Treasury Operations Manager Page 39 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 39
40 SWIFT - My Standards MyStandards This was a very challenging project, but MyStandards from SWIFT made the onboarding with our bank very quick and easy. It is a useful tool that provides one view into the testing activity across multiple parties, so you can see exactly where you are in the process. Page 40 Ellen Dion, VP and Corporate Treasurer at Navigators LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 40
41 SWIFT - My Standards Customer testimonials Page 41 Source: Bank presentation, MyStandards User Group, La Hulpe, 18 November 2015 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 41
42 SWIFT - My Standards A tailor-made experience for each customer Your brand and description Page 42 Only the relevant guidelines LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 42
43 SWIFT - My Standards Easy to setup From Guideline To Testing In 5 minutes Fully driven by your Guidelines Page 43 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 43
44 SWIFT - My Standards Documentation is only one click away Direct link to Specification Page 44 Easy to fix and re-test LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 44
45 SWIFT - My Standards Shared view of progress Page 45 Were all those codes tested? Was this optional component tested? LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 45
46 Page 46 Corporates Onboarding with MyStandards 46 LES ATELIERS METIER UNIVERSWIFTNET Le Common Global Implementation et tellement plus encore 10/12/2015 Page 46
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