The South African National Payment System Observations and Trends
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1 The South Africa Natioal Paymet System Observatios ad Treds Dave C Mitchell South Africa Reserve World Coferece Cape Tow, South Africa April 2009
2 Paymet System Networks CLS Services Cetral CLS Network Cetral SARB BANK Settlemet Network Customer Network STRATE Paymet Network Settlemet serv No-Clearig Broker Paymet Network PCH Clearig ATM CLC Clearig Network Post PCH Retailer Customer Network EFTs PCH Customer Network Card Customer Network
3 Facilities available to the baks SAMOS FRONT-END FACILITIES PARTICIPATING BANK SWIFT Termial SWIFT Iteral Processig System SWIFT Iterface SARB; LINK Iterface Positio Moitor SAMEX SARBLLINK CENTRAL DEPOSITORY CD Fiacial Istrumet Register FIR Dyamic Collateral Maagemet SAMOS Loa Accout Reserve Settlemet Accout
4 Legal Foudatio South Africa Reserve Act Natioal Paymet System Act (icludig Directives) Paymet Associatio of South Africa (PASA) Costitutio Paymet Clearig House (PCH) Agreemets Paymet Clearig House (PCH) Rules
5 The S. A. Reserve ad the Paymets Associatio of South Africa (PASA) SA Reserve NPSD PASA Exec Office
6 Rad - Trillio Settlemets Wholesale paymets Total value settled vs Real Time Lie settlemets All Streams 42,239 49,430 47,339 49,705 51,533 57,574 59,331 72,399 89,381 Real Time Lie 26,642 38,175 43,764 46,251 47,724 53,242 54,320 66,562 82,920
7 Settlemets - Retail paymets Paymet Streams 2008 (excludig RTL) +EFT CR TOT +CLC TOT +EFT DR TOT 67% +CC TOT +ZAPS TOT +SASWITCH TOT 19% +VISA TOT +DR CR TOT NAEDO MasterC 8% RTC +AEDOTOT +MZANSI
8 Ja/00 Apr/00 Jul/00 Oct/00 Ja/01 Apr/01 Jul/01 Oct/01 Ja/02 Apr/02 Jul/02 Oct/02 Ja/03 Apr/03 Jul/03 Oct/03 Ja/04 Apr/04 Jul/04 Oct/04 Ja/05 Apr/05 Jul/05 Oct/05 Ja/06 Apr/06 Jul/06 Oct/06 Ja/07 Apr/07 Jul/07 Oct/07 Ja/08 Apr/08 Jul/08 Oct/08 Rad - Billios Settlemets Retail post Risk Reductio Electroic Fud Trasfers ad Cheques Cheques EFT Debits EFT Credits ZAPS
9 Overview of cards i South Africa Total credit cards Total debit cards Total umber of merchats Average credit card trasactio value R 510 Average sigature-based card trasactio value R 380 Average PIN-based debit card trasactio value R 225 [2007 figures from the big four baks (excludig ATM ad Garage cards)]
10 Real-Time Clearig (RTC) The RTC paymet stream implemeted i March 2007; RTC paymet istructios processed immediately ad payee credited withi 60 secods; Iterbak settlemet withi oe hour; Three baks actively participatig i RTC; Average mothly value settled i R1,1 billio.
11 Oversight - Macro Macro Level SARB Observe/Moitor. Credit Risk. Liquidity. Legal. Operatioal. Reputatioal Equity Markets SAMOS NPS FIR Implemet Develop Retail Paymets STRATE Bod Market serv CD. Iteratioal Developmets. Priciples. Best Practice STRATE Aalyse & Evaluate
12 Oversight - Micro Feedback to istitutio Iterative process Develop Participat Profiles. Payer profile. Beeficiary profile. Net effect. Loa trasactio flow. Volume ad value. Liquidity/Collateral usage. Risk reductio iitiatives. Operatioal issues. Ratig/evaluatio. Oversight report. Recommedatios Discuss with Supervisio Osite visit. NPS Act. Directives ad positio papers. Visio Idustry issues
13 NPS Goverace NT Advisory Body ig Associatio SARB Act (Sectio 10) SANPAY Cosult Govt. Associatios Cosult Egage Cosult Egage NPS Act Policy Cosult Egage PASA PASA Costitutio PSSF s 3 rd Party Providers Operators Low Value Collectios PCH s PCH Agreemets PCH PG s Authorise
14 History/Milestoes 1995 Publicatio of NPS Framework ad Strategy ( Blue Book ). March 1998 Implemetatio of the SAMOS System. October 1998 Promulgatio of NPS Act.
15 History/Milestoes 1999/2000 Ehacemet of the SAMOS System: Cotiuous Processig Lie (CPL); DVP for fiacial market trasactios (STRATE). 2001/2002 Itroductio of risk reductio measures (item limits i various paymet streams reductio of values i batch settlemets); Formal establishmet of the Oversight fuctio.
16 History/Milestoes 2003/2005 Ehacemet of the itraday moitorig capabilities of the SAMOS System; Same day square-off; Cotiuous Liked Settlemet (FX) Visio 2010 published.
17 History/Milestoes 2007/2008 Formal regulatio of o-baks i the NPS; Directives for System Operators ad Third Party Service Providers; Establishmet of NPSAB; Review of the etwork ifrastructure ad RTGS applicatio.
18 Where to i the future - 1 Commece implemetatio of the settlemet ifrastructure ad applicatios; Cotiue the focus o o-bak participats i the formal oversight process; Icreased focus o CLS operatioal ad oversight activities;
19 Where to i the future - 2 Cotiue participatio i regioal ad iteratioal iitiatives; Commece Framework ad Strategy documet for beyod 2010; ad Evaluatio ad possible implemetatio of the recommedatios of the Competitio Equiry.
20 Thak you
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