SmartVista End-to-End e-payment Solutions

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1 SmartVista End-to-End e-payment Solutions

2 We will transform your payments business

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4 4 About BPC

5 As one of the world s leading providers of e-payment processing solutions for the global financial industry, BPC was also the first to offer a truly integrated EFT solution. Founded in 1995, BPC has sustained market-beating growth, even in recessionary times, developing solutions that have transformed the payments business of the world s largest and most innovative banks. BPC s tier-one client base includes leading, international financial institutions located on five continents including several of the world s top 100 banks. BPC s philosophy of keeping close to customers is based on local pre and post-sales support and long-term relationships with local customers and partners. With offices around the world, BPC is particularly adept at establishing first-in-country implementations and provides local language support staff in each regional office. BPC maintains a strong commitment to quality, helping establish a leading position in the worldwide payments industry and fueling growth in overseas markets. This combination of product innovation, dedicated local support, and a focus on quality have been instrumental in positioning BPC as one of the fastest growing companies in the payments sector. Known for a spirit of innovation, BPC continues to invest time and resources in research and development, infrastructure, and strategic alliances, leveraging both local and international expertise to develop the next generation of SmartVista. By staying on top of the latest industry trends and standards, BPC s team maintains an enterprise-wide focus on creating new payment solutions that gain more customers, increase profitability, and get clients to market first. 5

6 Getting to Market Faster As global financial institutions focus on cash flow and ROI, increasing regulatory and financial changes create additional challenges. At the same time, the financial services landscape remains competitive and new card products and delivery channels are needed to attract and retain new customers. SmartVista provides the answer with a full suite of comprehensive, end-to-end, e-payment solutions that help companies get to market faster. Use SmartVista to introduce a new product in hours or set up a merchant in minutes. Unlike legacy solutions that require months of design, SmartVista s flexible, menu-driven product development approach helps capture market opportunity as it occurs. Created for card issuers, acquirers, processors, national switches, and other payment organizations requiring broadbased e-payment functionality, SmartVista delivers a scalable, flexible platform to transform transaction processing, card management, and e-payments across all channels, including POS, ATM, branch, Internet, and mobile applications. The solution supports product/service management, origination, card issuing, relationship management, fraud risk management, transaction management, and portfolio management. Unlike vanilla offerings, SmartVista s flexible, modern architecture is optimized for specific payments functions and business areas. Also, because SmartVista modules can be added incrementally, companies avoid the costs of installing and operating new software, significantly reducing TCO and operating costs. Whether managing one card or one million; installing one ATM or 50,000 POS terminals SmartVista scales, eliminating the need to redesign infrastructure or install new applications. SmartVista handles unlimited card volumes and unlike competitors, the solution suite can meet the needs of any size financial institution. 6

7 SmartVista has significantly enhanced our payment business and improved customer service. We are enabled to expand the product line, available to our customers, introduce new products quickly and reduce our operational costs. Mr. Ramiro Wong, CEO, TELERED SmartVista Transformation From a point solution that solves an immediate business need to implementing a completely integrated, end-to-end e-payment system, SmartVista transforms the way electronic payments are managed today. SmartVista Benefits Improved business agility Scalability to manage growth in any environment Improved time to market and speed of new product development Significantly improved TCO Simplified IT infrastructure Proven low risk migration path from installed legacy systems Adaptable to changing market conditions Fraud detection and prevention Single customer view across all channels 7

8 The SmartVista Solution Portfolio SmartSwitch: a high performance, comprehensive solution that manages the authorization and routing of payment transactions across all channels. SmartIssuer: a single comprehensive card management solution that supports all types of debit, credit and prepaid cards. SmartIssuer makes it quick and easy to design new card products, process applications and service cards issuing new cards faster while efficiently managing the complete customer lifecycle. SmartATM: a sophisticated ATM network management system for servicing and monitoring ATM, self-service and kiosk networks. SmartMerchant: an integrated, highly sophisticated merchant management solution that streamlines merchant and terminal maintenance. Smart@Bank: a comprehensive, integrated and flexible internet and mobile banking application that helps improve customer loyalty and generate new revenue streams. SmartBilling: a flexible and stable billing solution for easy account management and product support, including clearing, settlement and reconciliation. SmartBilling automates assigning and calculating multi-level fees, rates, and discounts at the account or retailer level by effective date and generates bills using flexible invoice templates. SmartPro: an end-to-end solution for magnetic and smart card personalization. SmartGuard: a fraud management solution that combines the advantages of online and offline fraud detection and enables both card issuers and acquirers to track transactions coming from traditional and emerging delivery channels. SmartLoyalty: a comprehensive loyalty solution that allows you to easily configure your loyalty program and supports incentives calculation, incentives accounting, and incentives usage in one tool. Working together with our partner BPC Banking Technologies, we have enabled our customers to make payments quickly, easily and securely. As a result of SmartVista s comprehensive functionality and exceptional flexibility we have been improving our customers banking experience. Vladimir Urbansky, Head of E-Business department, Alfa-Bank 8

9 Innovation Strategy BPC always keeps pace with market trends based on market research, RFP requirements, and direct customer interaction. BPC also maintains partnership status with the major payment brands and industry standards bodies to ensure timely notification of mandates. Additional product development strategies include the following: Innovate according to the market s functional requirements Continually reduce total cost of ownership (TCO) for clients through multiple routes, including optimization of automated business processes, simplicity of design, and transparent pricing Mitigate implementation risk Maintain state-of-the-art architecture and technology Consistently improve quality by increasing product performance Support new releases of supported OS and RDBMS to provide customer options Stay flexible in supporting customers with deep customization needs 9

10 Low-risk Migration SmartVista provides a proven, low risk migration path from inflexible legacy payment systems. As financial markets constantly adapt and change, SmartVista delivers the scalability needed to seamlessly manage growth in any environment. Commitment to Quality SmartVista solutions are continually enhanced to keep current with the latest standards, regulations, and business practices. All development and projectrelated activities have been certified to conform to the ISO 9001:2011 quality management standard. Having selected SmartVista we are confident in being able to increase our levels of customer service and choice. BPC provided us with a robust payments infrastructure able to support our business over the long term. Nahid Zeynalov, Bank of Baku 10

11 BPC is a true partner for us. For me it is very important that I can discuss with them what I need in my terms for my customers. They understand this perfectly and after that we put it in technical terms. But it is very important what we achieve together in terms of benefits to the customers. Gabi Nistor. Executive Director, Banca Transilvania Support BPC is known for its strong support team and speed of customer response. According to Gartner, BPC provides innovative online service and support request entry and tracking facilities. BPC also provides customers with a 24-hour Web-based support application that enables quick and easy access to fixes as part of support services and also delivers a robust incident reporting management system. Customers also can access BPC s hot line 24x7x365 for urgent, mission-critical issues. BPC locates service and support resources in-country near customers with local language staff in each regional office. With strong international experience, BPC is known for establishing first-in-country implementations to help customers succeed. We have worked with BPC for many years and HP will offer BPC s SmartVista payments solution on an outsourced basis to our customers worldwide. By working together, HP and BPC will offer a compelling payments solution, with the right global delivery model to modernise the industry. Katherine Garcia, Senior Vice President, HP Enterprise Services 11

12 Certifications SmartVista has been certified by the world s leading payment brands, including Visa, MasterCard, American Express, Diners Club, and JCB, as well as certification for EMV issuing and acquiring. The solution has also been certified for all industry standards ISO 8583, IFX, EMV, APACS, and SEPA. Also, as a certified international payment schemes provider, BPC meets PCI DSS and PA DSS requirements and employs 3D-Secure and Verified by Visa algorithms and highly effective fraud prevention systems. Technical Considerations Platforms SmartVista is an open platform solution that operates on industrystandard platforms such as IBM Power System (system P), HP Integrity System and NonStop, SUN SPARC, RHEL/OEL; AIX; HP-UX; Solaris, z/os, z/linux, power Linux. Technologies SmartVista uses industry-standard databases such as Oracle and DB2 together with Java-enabled Oracle Weblogic and IBM Websphere. You can count on 24x7 support from these vendors to maximize use of existing IT resources. SmartVista leverages the latest Oracle and IBM innovations to deliver high scalability, maintainability, and predictability during implementation and operational processes. Third-party Applications and Libraries SmartVista supports the most popular browsers and complies with various IT policies. Also, with a comprehensive set of Jasper Reports, SmartVista provides flexible and easy-to-use tools that allow you to modify and enhance the look and feel of reports without assistance from BPC. 12

13 The PCI Security Standards Council is committed to protecting consumer payment data. By participating in the standards setting process, BPC demonstrates they are playing an active part in this important end goal. Bob Russo, PCI Security Standards Council Security SmartVista employs a three-tier security structure with the latest strategies to cover every aspect of information security from data encryption in communication links to front-end, pervasive, role-based, user access control that can be configured down to individual users. Implementation To ensure effective project management, BPC provides in-market, project management resources. These individuals carry formal PMI certification and possess strong domain expertise in SmartVista and in the local EFT market. During implementation, a project manager and fully trained, experienced solution engineers are on site, full-time to meet the demands of each project. BPC also hires local technical and business experts to address and facilitate first line customer support needs. Proper maintenance and change management of implemented systems is critical for project success. In addition, continual change and system evolution is necessary for BPC s solutions to maintain relevance and value to clients. For this reason, BPC s post implementation support ensures timely response to operational issues and employs experts with both local and client market and system knowledge. After implementation, BPC deploys solution engineering resources onsite for one month after project completion. These engineers have full access to BPC s engineering team and the knowledge base within BPC s Development Center to ensure that any software related problems are resolved quickly. 13

14 As a dynamic, forward-looking company, BPC is continually looking for new ideas both in technology and business to improve solutions and service offerings. Known for creativity in solving banking problems, BPC draws from years of experience to create inspired payments solutions that excel in the marketplace. For more information about SmartVista solutions, please visit BPC Banking Technologies at India Jordan Netherlands Panama Philippines Russia Singapore South Africa Sri Lanka Switzerland Ukraine United Arab Emirates United Kingdom United States of America Vietnam

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16 BPC Banking Technologies. All rights reserved.