Modernization of Bank s Payment Systems: Transformation, Not Just Renovation. Electra Consumer Payment Services Hub
|
|
- Maryann Atkinson
- 8 years ago
- Views:
Transcription
1 Modernization of Bank s Payment Systems: Transformation, Not Just Renovation Electra Consumer Payment Services Hub
2 Agenda Payment Industry Trends Opportunities for Banks What is Consumer Payment Services Hub? electra Consumer Payment Services Hub Case Study : State Bank of India ElectraCard Services Corporate Overview 2
3 Economic Crisis Stay Ahead of Competition Regulations Industry trends are driving banks to reevaluate payments Move from Consumption to savings orientation Merchant shifts promotional dollars to direct consumer targeting Reduced credit environment with lower revolving balances Disruptive : Mobile Payments, monetization of consumer Insights, Incremental : Prepaid, Hybrid and contactless, P2P Payments Re-Regulation with Merchant/Consumer Bias Death of Interchange funded debit rewards 3
4 Financial Institutions Must Innovate And Be Agile To Win In The Market Improve Operational Efficiencies Break down payments silos Lower IT costs Enhance Risk & Fraud Mitigation Prevent unauthorized account access via sophisticated multifactor authentication Reduce exposure with integrated AML, behavioral scoring and fraud detection capabilities Increase Margins Determine individual customer acquisition pricing for attracting new and retaining existing customers Lower costs to serve Acquire Customers Efficiently Expand number of products per customer while attracting non customers to open accounts Effectively mine customer data to improve cross-sell capabilities and launch targeted campaigns 4
5 Payment Operations Today Highly Complex, Redundant and Inflexible Complicated mesh with a lot of duplication and in-efficiency Multiple systems talk to each other THE PAYMENT MESH A Mélange of Systems Cash Management Corporate / Retail Clients Fraud Management EFT Switch Credit Systems Asset Management General Ledger Core Banking Loans Risk Management Corporate Clients IVR AML Systems Retail Clients IVR MIS / CRM Loan Origination Money Transfer Compliance Payment Gateway PrePaid Systems Associations ACH SWIFT NEFT RTGS 5
6 These Complexities Drive Cost And Make Solution implementation more difficult Hard-coded Links between Applications Inability to track payments through the process Duplicate systems and redundant processes Data and information difficult to access real time High degree of Manual intervention in process The payments business constitutes up to 35% of revenues and 40% of costs for banks Boston Consulting Group 6
7 Payments New Look To Deliver New Capabilities Consumer Payment Services Hub Functional View A Ability to manage, on a single platform, any Instrument type Standard/ scheme Channel Customer Transaction types Credit transfers Credit card Debit card IS8583 Online Corporate X SWIFT X Mobile X Retail X ISO ATM Other Fis Outgoing payments Incoming payments Batch B and deliver core payment functionality Clearing Instruction receipt Validation, Authorisation Execution preparation Reconciliation C under key conditions Delivered as services ( SOA) with ability to customise (BPM) and with sophisticated monitoring and alerting capabilities (BAM) 4 reliably at large volumes and throughput Source: Celent 5 with appropriate security, access control and audit trails 7
8 electra Consumer Payment Services Hub Reduces connection spaghetti. Common service integration layer with adaptors for external protocols. Modern Technology, standards based SOA Solution Centralized repository for definition and routing rules Single View Provides a single operational view of all payment operations. 8
9 Enterprise-class solution for DR Continuous Availability In case of failure of one site, transaction routed to other site. Active-Active Setup All data is synchronized by bidirectional data replication engine using Oracle Golden Gate. Load Distribution 50% Terminals can be configured to connect to each site. DR Operation Terminals/ Networks will be equally shared between each node in normal situation. 9
10 Security/Monitoring Security Transaction Security PA DSS certified Data Security PCI DSS Compliance Monitoring Device, Networks and Transaction Monitoring electramonitor - Comprehensive Web-based Tool System Monitoring Web View Point Event Management 10
11 Advanced Diagnostics & Reporting Transaction Logging Log viewer : Real-time view of log messages Tracing EMS is used for capturing events Reporting Reports available over a web based GUI 11
12 In a nutshell Payments make 35% of revenues for banks Regulation, the economic crisis, globalization, innovation, and competition making banks to reevaluate their payments Consumer payments will generate significant revenue and offer select opportunities for growth and innovation Successful payments portfolio management requires relevant capabilities in analytics and multichannel management Effective enterprise-wide payments governance is required to allocate scarce resources across the portfolio 12
13 case study India s Largest Bank State Bank of India EFT SWITCH PAYMENT GATEWAY MERCHANT MANAGEMENT SYSTEM DEBIT CARD MANAGEMENT SYSTEM/RECONCILIATION SYSTEM FRAUD MANAGEMENT SYSTEM 3D SECURE SOLUTION Business need A technology partner who would provide cutting edge and agile solutions that would help them go to market at the earliest A Switch which would ensure flexibility while guaranteeing high performance and quality, Benefits Significantly reduced TCO SBI migrated NFS acquiring onto electraresulting in significant cost savings High degree of parameterization empowers SBI to introducing new products Ease of integration ensured by electra Transformation Engine ECS Solution EFT Switch was implemented in active active mode using Oracle Golden gate DCMS and Payment Gateway was implemented using Oracle database and Tuxedo middleware 13
14 About ElectraCard Services We are the world s leading payment processing company, implemented payment systems across 30+ countries With our global infrastructure, global payment experience and power to deliver, ECS enables customers worldwide MasterCard Approved TPP with world class PCI-DSS certified data center Phoenix and Atlanta (USA), Mumbai and Bangalore (India) with 24x7x365 support for disaster recovery Providing end-to-end processing of cards for Fortune 500 companies - largest TPP in India Prepaid cards platform for the largest Prepaid Card issuer in India ECS provides complete retail payment solutions including EFT Switch, Credit Card Management solution, Prepaid Solutions and Ecommerce Payment Gateway Solutions Supports 2/3 of India s card based Internet transactions 14
15 Thank-you ElectraCard Services Private Limited 1 st Floor, Bldg # 4, Commerzone, Samrat Ashok Path, Yerawada, Pune Tel: Proprietary & Confidential. Copyrights All Rights Reserved
Building the Foundations for Next Generation Consumer Payments
1 Building the Foundations for Next Generation Consumer Payments Steve Whiting Head of Business Development EMEA Alaric System Joaquin de Valenzuela Muley Senior Director Oracle Financial
More informationIBM and ACI Worldwide Providing comprehensive, end-to-end electronic payment solutions for retail banking
IBM and ACI Worldwide Providing comprehensive, end-to-end electronic payment solutions for retail banking IBM and ACI offer unparalleled expertise in designing and optimizing payment systems As leading
More informationYour Global Partner Providing Leading Technology to Manage and Streamline Your Payments System
Your Global Partner Providing Leading Technology to Manage and Streamline Your Payments System A GLOBAL PROVIDER THAT SUPPORTS ALL OF YOUR PAYMENT PROCESSING NEEDS Euronet Worldwide, Inc. is a global provider
More informationWhite paper. Focus on value added services by network companies a paradigm shift. Rahul Kaushal, Ramakant Mittal
White paper Focus on value added services by network companies a paradigm shift Rahul Kaushal, Ramakant Mittal Introduction Network association is the most critical player in the payment card industry.
More informationOverview. Société Générale
Payments Ever-changing market dynamics, customer expectations, rapidly evolving regulatory measures, ageing technology, consolidation in corporate treasury, advent of electronic instruments, increased
More informationACI Card and Merchant ManagementTM solutions overview
PRODUCT LINE BROCHURE ACI Card and Merchant ManagementTM solutions overview Comprehensive credit, debit, smart card and prepaid card management End-to-end merchant account management and settlement Management
More informationIBM Financial Services Sector. IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank
IBM Payment Platform to face SEPA A flexible approach for a Smarter Bank Market Forces Driving the Payments Industry to Transform Economic Pressures Increasing pressures on fees Margins being squeezed
More informationMarch 2008 Grant Halverson CEO, GFG Group. Regional Processing Models
March 2008 Grant Halverson CEO, GFG Group Regional Processing Models The search for successful regional and global IT processing models has been a major focus of the last fifteen years across banks, insurance
More informationWe believe First Data is well positioned to take advantage of all of these trends given the breadth of our solutions and our global operating
Given recent payment data breaches, clients are increasingly demanding robust security and fraud solutions; and Financial institutions continue to outsource and leverage technology providers given their
More informationTRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS
TRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS TRANSAXpay Online Safer ecommerce & MOTO Payments FIS RETAIL PAYMENTS Card Not Present (CNP) payment transactions have the potential
More informationRFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET
RFP#15-20 EXHIBIT E MERCHANT SERVICES INFORMATION SHEET A. Merchant Credit Card Processing 1. Describe your company s authorization method; list and describe alternative authorization methods. 2. What
More informationDigital Strategy: Creating an agile, efficient and innovative bank. Sean Breen Director, Industry Solutions Banking, Financial Services, & Securities
Digital Strategy: Creating an agile, efficient and innovative bank Sean Breen Director, Industry Solutions Banking, Financial Services, & Securities 1 Are Digital financial institutions only about new
More informationEMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East.
EMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East. EMP's mission is to be at the forefront of the region's electronic payments
More information1 Copyright 2011, Oracle and/or its affiliates. All rights reserved. Insert Information Protection Policy Classification from Slide 7
1 Copyright 2011, Oracle and/or its affiliates. All rights reserved. Insert Information Protection Policy Classification from Slide 7 ORACLE PRODUCT LOGO 20 Oktorber 2011 Bratislava Dátová integrácia na
More informationORACLE HYPERION DATA RELATIONSHIP MANAGEMENT
Oracle Fusion editions of Oracle's Hyperion performance management products are currently available only on Microsoft Windows server platforms. The following is intended to outline our general product
More informationRETHINKING CARDS BUSINESS. Erick Ho, Head of Payment Services, SunGard 17 September 2015. Break through.
RETHINKING CARDS BUSINESS Erick Ho, Head of Payment Services, SunGard 17 September 2015 Break through. Agenda 01 02 03 04 05 Trends and Growth in cards and payment business Sharpening Business Focus The
More informationORACLE FINANCIALS ACCOUNTING HUB
ORACLE FINANCIALS ACCOUNTING HUB KEY FEATURES: A FINANCE TRANSFORMATION SOLUTION Integrated accounting rules repository Create accounting rules for every GAAP Accounting engine Multiple accounting representations
More informationSecure Financial Transactions Any Time, Any Place
Secure Financial Transactions Any Time, Any Place Euronet Software Solutions Gold-Net Global Payment Solution Become a Processor Providing Authorization, Clearing, Settlement, Value Added Services and
More informationProduct Overview PRIME. Flexible Deployment Model. Reduce Cost of Ownership. A Next-Generation Solution for the World of Global Payments. www.tsys.
Product Overview PRIME Reduce Cost of Ownership Speed-to-Market Risk Management Flexible Deployment Model A Next-Generation Solution for the World of Global Payments www.tsys.com PRIME Product Overview
More informationEuronet Software Solutions ATM Management System Maintain and Expand Your Automated Service Offerings with a Secure, Flexible and Powerful Solution
Secure Financial Transactions Any Time, Any Place Euronet Software Solutions ATM Management System Maintain and Expand Your Automated Service Offerings with a Secure, Flexible and Powerful Solution Serving
More informationMore than 1,200 banks across. brighter ideas for portfolio accounting. fixed-income accouting
brighter ideas for portfolio accounting fixed-income accouting More than 1,200 banks across America rely on paragon to manage their Fixed Income Portfolios. Here s why. a product from corfinancial. london
More informationUnified Payment Platform Payment Pos Server Fraud Detection Server Reconciliation Server Autobill Server e-point Server Mobile Payment Server
Unified Payment Platform Payment Pos Server Detection Server Reconciliation Server Autobill Server e-point Server Mobile Payment Server Securing Payment & Beyond Infinitium E-Payment is a Unified Payment
More informationCertified Information Systems Auditor (CISA)
Certified Information Systems Auditor (CISA) Course Introduction Course Introduction Module 01 - The Process of Auditing Information Systems Lesson 1: Management of the Audit Function Organization of the
More informationAGILE PRODUCT LIFECYCLE MANAGEMENT INTEGRATION PACK FOR E-BUSINESS SUITE:
AGILE PRODUCT LIFECYCLE MANAGEMENT INTEGRATION PACK FOR E-BUSINESS SUITE: DESIGN TO RELEASE The Agile Product Lifecycle Management Integration Pack for E-Business Suite: Design to Release is a pre-built
More informationSmartVista End-to-End e-payment Solutions
SmartVista End-to-End e-payment Solutions We will transform your payments business 4 About BPC As one of the world s leading providers of e-payment processing solutions for the global financial industry,
More informationPosition Paper. issuers. how to leverage EC s regulation proposal. on interchange fees for card-based payment transactions
Position Paper issuers how to leverage EC s regulation proposal on interchange fees for card-based payment transactions The issuing landscape has dramatically changed over the last few years increased
More informationGain superior agility and efficiencies with enterprise origination solution. Finacle Origination
Finacle Origination Gain superior agility and efficiencies with enterprise origination solution The recent global financial meltdown has reshaped the landscape of the lending business around the world.
More informationMASTERCARD PAYMENT GATEWAY SERVICES
MASTERCARD PAYMENT GATEWAY SERVICES OVERVIEW MAKING PAYMENTS SAFE, SIMPLE & SMART What are MasterCard Payment Gateway Services? Our Solutions Making payments safe, simple & smart for your customers, for
More informationCustomer Information Management. Amanda McIntyre, Vice President, Product Manager Glenn Sonsalla, Vice President, Enterprise Strategy & Governance
Customer Information Management Amanda McIntyre, Vice President, Product Manager Glenn Sonsalla, Vice President, Enterprise Strategy & Governance Session Objectives Defining Customer Information Management
More informationResearch Statement. 2. SMU tbank shall align to, and inform, SMU s Unified Banking Process Framework.
Research Statement Alan Megargel School of Information Systems, Singapore Management University Tel: (65) 6808-5276; Email: alanmegargel@smu.edu.sg 29 th Jan 2015 Background During my years working in
More informationINTEGRATED POINT OF SALE PAYMENTS
INTEGRATED POINT OF SALE PAYMENTS A COMPREHENSIVE MANAGED POINT OF SALE PAYMENT SERVICE AN INTEGRATED SOLUTION FOR Bankcards Gift Cards Money Transfers Bill Payments Pre-paid Cash Management Enterprise
More informationWe make cards and payments work for people as a part of everyday life. We bring information to life
We make cards and payments work for people as a part of everyday life We bring information to life 2 EVRY is a leading IT company in the Nordic region. Through advice, technology and solutions, EVRY brings
More informationPayments Gateways Opportunities for Acquirers
Payments Gateways Opportunities for Acquirers Peter Jones November 2011 Europe s acquiring market place has never been more competitive. All players are chasing revenues and volumes with the expectation
More informationIntegrating Siebel CRM 8 with Oracle Applications
Integrating Siebel CRM 8 with Oracle Applications Agenda Corporate Overview Siebel 8.0 New Features Siebel Integration Approaches Integration with Oracle Applications Option 1 Option 2 Pros and Cons Evaluation
More informationthe region s leading payments company
Market Presence EMP's vision is to be the leading electronic payments processing company in the emerging markets of Africa and the Middle East. EMP's mission is to be at the forefront of the region's electronic
More informationAccelerate Innovation. Get a 360 view of customers Finacle CRM Solution
Accelerate Innovation Get a 360 view of customers Finacle CRM Solution Delight customers today, retain them tomorrow The ultimate goal for any business is to attract and retain delighted customers. Transformation
More informationINFORMATION CONNECTED
INFORMATION CONNECTED Transform Your Retail Banking Strategy Oracle FLEXCUBE Core Banking Architect Your Busi ness to Overcome Compounding Industry Dynamics, Not Appli cation Limitations Banks can no
More informationWITH AGILE TECHNOLOGY
FUTURE-PROOF BANKING STRATEGIES Technology Transformation STARTS NOW Banks now better understand the strategic nature of their core systems and are ready to embark on critical technology projects to support
More informationSERVICE ORIENTED ARCHITECTURE
SERVICE ORIENTED ARCHITECTURE Introduction SOA provides an enterprise architecture that supports building connected enterprise applications to provide solutions to business problems. SOA facilitates the
More informationWhere s your wallet? Building the future of payments Joel Leonoff
Where s your wallet? Building the future of payments Joel Leonoff President & CEO Optimal Payments Plc Future Payments 2013 Wednesday 15 th May London Agenda About Optimal Payments The changing shape of
More informationAmbit Card Management Card Management Solution Suite
Ambit Card Management Card Management Solution Suite Darrell Parker, 43 head of alternative channels Sandra De Souza, 26 banking customer Ahmed Hassan, 46 head of cards Contents 1 Business Overview 4 Ambit
More informationKnowledgent White Paper Series. Developing an MDM Strategy WHITE PAPER. Key Components for Success
Developing an MDM Strategy Key Components for Success WHITE PAPER Table of Contents Introduction... 2 Process Considerations... 3 Architecture Considerations... 5 Conclusion... 9 About Knowledgent... 10
More informationOXY GEN GROUP. pay. payment solutions
OXY GEN GROUP pay payment solutions hello. As UK CEO, I m delighted to welcome you to Oxygen8. We ve been at the forefront of multi-channel solutions since 2000. Headquartered in Birmingham, UK, we have
More informationImplementing efficient system i data integration within your SOA. The Right Time for Real-Time
Implementing efficient system i data integration within your SOA The Right Time for Real-Time Do your operations run 24 hours a day? What happens in case of a disaster? Are you under pressure to protect
More informationContactless Security Controls in Place to Protect Payment Card Data
Assurance and Audit Committee Date: 17 December 2014 Item: Contactless Security Controls in Place to Protect Payment Card Data This paper will be considered in public 1 Summary 1.1 At the meeting of the
More informationwww.aocsolutions.com Automated Accounts Payable and Commercial Card Management from AOC Solutions
www.aocsolutions.com Automated Accounts Payable and Commercial Card Management from AOC Solutions Payments are the core of our business; we monitor and understand the ever-changing landscape of the industry.
More informationfunctions and components can be selected and set up at any time by a product engineering team.
Way4 Way4 Switch, Way4 Card and Merchant Management and Way4 EMV Card Personalisation are fault-tolerant open platform software solutions with proven EMV Issuing, Personalisation and Acquiring capabilities.
More informationYour Gateway to Online Success
The NETBANX gateway is a leading, proprietary online payment processing platform operating on a world class technology infrastructure. Trusted by global brands and companies around the world, the NETBANX
More informationPayius. GoLive Checklist
Payius GoLive Checklist Page 2 Table of Contents 1 Scope...3 2 Testing Complete?...3 3 Merchant account and legalities...3 4 Time to GoLive?...4 5 How the GoLive process works...4 6 Going live Accounting
More informationCore Processes That Deliver ROI
Core Processes That Deliver ROI The SOA & Business Rules Advantage Wed, Oct 24th 2007 FST Banking Technology Conference Stephane Marouani, ILOG Operations Manager, ILOG Australia P/L The theory of SOA
More informationData Integration for the Real Time Enterprise
Executive Brief Data Integration for the Real Time Enterprise Business Agility in a Constantly Changing World Overcoming the Challenges of Global Uncertainty Informatica gives Zyme the ability to maintain
More informationAutomated Accounts Payable and Commercial Card Management from AOC Solutions
aocsolutions.com Automated Accounts Payable and Commercial Card Management from AOC Solutions 1 I NEXT PAGE» Contact us at 800.692.7087 CFOS IN MOST INDUSTRIES ARE UNDER PRESSURE TO DO MORE WITH LESS.
More informationACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments
A TO Z JARGON BUSTER A ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments ATM Automated Teller Machine. Unattended,
More informationCore Banking Transformation using Oracle FLEXCUBE
in collaboration with Core Banking Transformation using Oracle FLEXCUBE Unlocking the power of FLEXCUBE with Capgemini Moving towards a packaged system transformation program Capgemini is an Oracle Diamond
More informationReach more customers. Take quicker payments. Make it all easier With just one Click.
Reach more customers. Take quicker payments. Make it all easier With just one Click. By phone, online or mobile app, it doesn t matter when or where, Click allows you to reach more customers and take more
More informationRetail Business Technology Expo 2011
Retail Business Technology Expo 2011 Press Pack Stand # 212 March 16-17, 2011 For further information please contact: Clare Cockroft PR Manager Tel: +44 (0)114 292 6416 ccockroft@tnsi.com ANNOUNCES PLANS
More informationAGILE PRODUCT LIFECYCLE MANAGEMENT INTEGRATION PACK FOR JD EDWARDS ENTERPRISEONE: DESIGN TO RELEASE
AGILE PRODUCT LIFECYCLE MANAGEMENT INTEGRATION PACK FOR JD EDWARDS ENTERPRISEONE: DESIGN TO RELEASE The Agile Product Lifecycle Management Integration Pack for JD Edwards EnterpriseOne: Design to Release
More informationCELERITI CUSTOMER AGILE BANKING TECHNOLOGY
CELERITI CUSTOMER AGILE BANKING TECHNOLOGY KEEP PACE WITH YOUR CUSTOMERS GROWING NEEDS KEEP PACE WITH YOUR CUSTOMERS GROWING NEEDS GROW YOUR CUSTOMER RELATIONSHIPS Building strong customer relationships
More informationHow To Use Fis Payment Gateway
FIS Payment Gateway A gateway to card authorisation, settlement & secure data hosting FIS RETAIL PAYMENTS FIS Payment Gateway A gateway to card authorisation, settlement & secure data hosting FIS RETAIL
More informationOptimize data management for. smarter banking and financial markets
Optimize data management for smarter banking and financial markets 2 Flexibility, transparency, quick response times: Are you ready for the new financial environment? 1 2 and profitability Meeting customer
More informationTOP 10 WAYS TO ADDRESS PCI DSS COMPLIANCE. ebook Series
TOP 10 WAYS TO ADDRESS PCI DSS COMPLIANCE ebook Series 2 Headlines have been written, fines have been issued and companies around the world have been challenged to find the resources, time and capital
More informationFAC Corporate Overview Driving Payment Innovation
FAC Corporate Overview Driving Payment Innovation First Atlantic Commerce (FAC) is a leading international online payment solutions provider First Atlantic Commerce First Atlantic Commerce (FAC) is a leading
More informationYour Partner for European Payment Processing
Your Partner for European Payment Processing A state-of-the-art platform built to support European diversity We believe that SEPA and domestic instruments will co-exist for some time, and both need to
More informationHow To Achieve Pca Compliance With Redhat Enterprise Linux
Achieving PCI Compliance with Red Hat Enterprise Linux June 2009 CONTENTS EXECUTIVE SUMMARY...2 OVERVIEW OF PCI...3 1.1. What is PCI DSS?... 3 1.2. Who is impacted by PCI?... 3 1.3. Requirements for achieving
More informationACI SELF-SERVICE BANKING
DELIVERS CONTROL, CHOICE AND FLEXIBILITY PRODUCT FLYER ACI SELF-SERVICE BANKING SINGLE INTEGRATED PLATFORM FOR ONLINE, MOBILE AND VOICE EXTENSIBLE REAL-TIME CONSUMER AND BUSINESS TRANSACTIONS AND PAYMENTS
More informationDynamic Claims Processing
Dynamic Claims Processing 2 TABLE OF CONTENTS 1 Dynamic Claims Management... 3 2 TIBCO s Dynamic Claims Management... 7 3 Why TIBCO?...13 4 ABOUT TIBCO...14 3 Claims processing is one of many equally critical
More informationAfrica Regional Overview. An Overview of Our African Payment Services. www.tsys.com
Africa Regional Overview connecting buyers and sellers An Overview of Our African Payment Services www.tsys.com Africa Regional Overview TSYS WORLDWIDE. Delivering expertise to 400 clients in 80 countries,
More informationCisco Comprehensive Payments Solution
Solution Overview Cisco Comprehensive Payments Solution Agile and Efficient Transformation to a Lower-Cost, Market-Responsive Payment Solution For too long, the financial services industry has been forced
More informationCan merchants keep up with all this change?
Can merchants keep up with all this change? EPCA Payment Summit 21 March 2013 Chris Jones Director V1 14/08/2012 It s already a complicated world payments out there Discounts and Offers PC and Mobile Check-Out
More informationBig Data Solutions Ease Financial Services Compliance and Reporting
Big Data Solutions Ease Financial Services Compliance and Reporting Real-time data collection and analysis helps ensure compliance and uncover new business opportunities. THINK SMART. ACT FAST. FLEX YOUR
More informationINTRODUCTION. What is a Merchant Account? Myth Buster!
INTRODUCTION This guide is intended to provide merchants with a better understanding of payment processing terminology, fees and best practices as they relate to accepting credit and debit card payments.
More informationCREDIT PROCESSING. First Data takes you beyond with Credit solutions designed to meet the ever-evolving needs of your customers.
CREDIT PROCESSING First Data takes you beyond with Credit solutions designed to meet the ever-evolving needs of your customers. Enabling innovative solutions through strategic alliances HOW WILL YOU GO
More informationCIS Regional Overview. An Overview of Our CIS Payment Services. www.tsys.com
CIS Regional Overview connecting buyers and sellers An Overview of Our CIS Payment Services www.tsys.com CIS Regional Overview In the Commonwealth of Independent States, cash remains king but the tide
More information<Insert Picture Here> Integrating your On-Premise Applications with Cloud Applications
Integrating your On-Premise Applications with Cloud Applications Agenda Hybrid IT Infrastructure An Emerging Trend A New Set of Challenges The Five Keys to Overcoming the Challenges
More informationCardholder Lifecycle Management. Jim Sheahan, VP Card Services, FIS
Cardholder Lifecycle Management Jim Sheahan, VP Card Services, FIS Agenda What s changed? What s the same? Opportunities Cardholder lifecycle management Acquisition strategies Activation strategies Usage
More informationAvailability Digest. Payment Authorization A Journey from DR to Active/Active December, 2007
the Availability Digest Payment Authorization A Journey from DR to Active/Active December, 2007 A major provider of merchant services to over four million small to medium-sized merchants throughout the
More informationHow To Use Ncr Aptra Clear
NCR APTRA CLEAR National payment hub for clearing and settlement Shifting payment dynamics: The international scope Every country has some form of unique payment system based on its own financial practices,
More information5 STEPS TO LOWER YOUR PAYMENT PROCESSING FEES
5 STEPS TO LOWER YOUR PAYMENT PROCESSING FEES STEP 1: Understand the Basics of a Merchant Account Your best defense against high rates is information. This guide is intended to provide merchants with a
More informationElastic Path Commerce for Adobe Marketing Cloud Integrated Experience-Driven Commerce
Elastic Path Commerce for Adobe Marketing Cloud Integrated Experience-Driven Commerce Elastic Path Commerce For Adobe Marketing Cloud is the only enterprise software product designed specifically to add
More informationINFORMATION CONNECTED
INFORMATION CONNECTED Cover Your Lending and Leasing Business from All Angles Oracle FLEXCUBE Lending and Leasing Define. Comply. Collect. Adapt. A Comprehensive Solution for All Your Lending Needs The
More informationEuronet s Contactless Solution
Serving millions of people worldwide with electronic payment convenience. Euronet s Contactless Solution Fast, Secure and Convenient Transactions with No Swiping, PIN or Signature Copyright 2011 Euronet
More informationauthengin: A New Generation Financial Payment System for 21 st Century e- Banking and e- Commerce
authengin: A New Generation Financial Payment System for 21 st Century e- Banking and e- Commerce Technology that provides an opportunity to grow through new markets, new products and services and new
More informationProducts. Small Business Banking Banking Solutions That Meet the Needs of Your Small Business Customers
Products Small Business Banking Banking Solutions That Meet the Needs of Your Small Business Customers Products Small businesses make up 10 percent of a bank s accounts on average, but typically generate
More informationINFRASTRUCTURE AS A SERVICE BUYER S CHECKLIST
INFRASTRUCTURE AS A SERVICE BUYER S CHECKLIST 2 CONTENTS SERVICE LEVELS 3 SERVICE AND SUPPORT 4 CERTIFICATIONS 4 MANAGED HOSTING 7 BILLING 8 SERVICE MANAGEMENT 8 TECHNOLOGY 9 GLOBAL, REGIONAL, LOCAL 10
More informationE-commerce. ICICI Bank offerings
E-commerce ICICI Bank offerings 2015 ICICI Bank Market leader Largest Private Sector Bank in India Wide reach 4,050+ branches and 12,665+ ATMs Presence in 19 countries Global footprint First Indian Bank
More informationInvesting in Success Pega Solutions for Financial Service Institutions
Investing in Success Pega Solutions for Financial Service Institutions Join many of the industry s largest and most influential financial services institutions including HSBC, JP Morgan Chase, Lloyds Banking
More informationClienti, Carte e Canali: come semplificare le complicazioni. Giovanni Mariani, IBM Italia Daniele Astarita, ACI Worldwide
Clienti, Carte e Canali: come semplificare le complicazioni Giovanni Mariani, IBM Italia Daniele Astarita, ACI Worldwide 2008 The market is actively diverging, drawing clear distinctions between the risk
More informationEcommerce Setup Wizard Site Setup Wizards
Ecommerce Setup Wizard Site Setup Wizards ecommerce Setup Wizard Before you begin this wizard you must first set up your ecommerce gateway This wizard will require information that is provided to you by
More informationDubai Bank. 29 th April 2009
Dubai Bank 29 th April 2009 1 About Dubai Bank 1. Bank was launched in 2002 September 2. AED 18.5 Billion in Asset 3. Transitioned from Conventional Bank to Islamic Bank in 2007 4. 22 Branches 5. User
More informationEuronet s EMV Chip Solutions Superior Protection with Enhanced Security against Fraud
Serving millions of people worldwide with electronic payment convenience. Euronet s EMV Chip Solutions Superior Protection with Enhanced Security against Fraud Copyright 2011 Euronet Worldwide, Inc. All
More informationTransformation of POS Operations at
Transformation of POS Operations at Retail Outlets for Australian Telco Abstract A leading Australian telecommunications service provider wanted to upgrade its Point of Sale (POS) operations at its retail
More informationFaster, Cheaper, Safer: Improving Agility, TCO, and Security with Agentless Job Scheduling. A White Paper Prepared for BMC Software August 2006
A White Paper Prepared for BMC Software August 2006 Table of Contents Executive Summary...1 Introduction...1 The Current Standard Agent-Based Scheduling...1 The Revolution Agentless Job Scheduling...1
More informationPayLeap Guide. One Stop
PayLeap Guide One Stop PayLeap does it all. Take payments in person? Check. Payments over the phone or by mail? Check. Payments from mobile devices? Of course. Online payments? No problem. In addition
More informationIntroduction to Sage ERP X3 v7
v7 1 2 3 4 5 6 7 Usability Mobility Control Intelligence Responsiveness Profitability Expansion Intuitive design, Web user interface Mobile access from any device Comprehensive functionality, end-to-end
More informationIBM Software Enabling business agility through real-time process visibility
IBM Software Enabling business agility through real-time process visibility IBM Business Monitor 2 Enabling business agility through real-time process visibility Highlights Understand the big picture of
More informationSpotlight on Product & Service: Worldpay - End-to-End Payments Secure Platform at Most Cost-Effective Rates. Accept payments. Anywhere. Anytime.
Newsletter Vol. 87 - Introduction Softengine News is dedicated to keeping you up to date with the latest information regarding SAP Business One systems, Softengine solutions and Best Business Practices.
More informationENTERPRISE PAYMENTS SOLUTIONS
ENTERPRISE PAYMENTS SOLUTIONS OFFERINGS Enterprise payments transformation services Messaging infrastructure consolidation Functional and technology solution design Liquidity management optimization Development,
More informationSEQUENCE Integrates with Microsoft Dynamics to Provide Enterprise BPMS Capabilities
SEQUENCE Integrates with Microsoft Dynamics to Provide Enterprise BPMS Capabilities SEQUENCE BPM Suite: Enterprise Process Control PNMsoft s SEQUENCE is a collaborative BPMS (Business Process Management
More informationCelia Pereiro Head of Payments June 2013
Celia Pereiro Head of June 2013 Agenda Why? Industry context and business opportunity Competitive environment Our strategy Our product offering Progress Conclusions Why payments? Attractive payments market
More information