from payment to digital wallet
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From Payment to Digital WalletOlivier PERRINNovember 2015
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Competitiondecrease payment
revenues of 300 PSP in Europe
Regulations open up payment sector
to new players
New and different trends in PaymentsPayment is not the driver of customer journey anymore
Digital Wavecreates new services for
payments and beyond - 1,3 milliards of smartphone sell per
year (Gartner 2014)
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2015 New uses and customer
behaviourPayment has to be fully integrated in the customer journey
Are always connected to the web and social networks
Want immediate & multiple access to data and services
Want to access all their devices:
mobile, tablet and web
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7 billions mobile
Smartphones and web applications are more and more used in daily life (forecasts, mobile / web banking,…)
An API agregation platform offers a new channel for customers with the ability to propose Digital Wallets and wallet services.
From Payment toDigital Wallet Platform
These platform allow to industrialize design , deploy and execute digital wallets
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Cash
Payment Cards
Loyalty Cards
Identity Cards
Access Keys
Tickets
A Digital Wallet dematerializes all the thing a consumer’s physical wallet may contain …
… and incorporate other digital services: geolocation, advice, financial services, etc
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After the purchaseCustomer service
and budget Management
During the purchaseMake the purchase
more simple and user friendly
Before purchaseEncourage the purchase and
facilitate the decisionPurchase focused approach
Improve customers’ experience of shopping during each steps of purchase
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API aggregation Platform
Catalog of Services
API Management
App StudioBuild Mobile Native
A complete platform based on best of breed technologies for successful wallets
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Key pointsApp Studio
Designer Toolkit to develop mobile and tablet App based MDK Extend for business components
Simulation/tests : Set of tools to simulate and test applications
Deployment of native language applications
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Key pointsBack Office ServerAPI Management
API exposition Orchestration of services for each wallet Security and supervision
Catalog of services Built-in application and the services are used by the
wallets Embedded services provider
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Payment
Shopping Geographic IT
A catalog of services to enrich wallet service offering
Ticketing and Pass Bank Services
eServices
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2015 BANK: a brand a new digital
bank
Payments
Bank account Personal account and joint Bank overdraft Finance budgeting Notifications & account statements
Saving books
Visa card & Check on line Direct debit & credit transfer Insurance on payment card
Regulated Savings
Savings Savings Life insurance Trading / Share savings plan / Collective
investment products2015
Modern and classy User Interface Mobile & tablet Agent desktop and CRM Website and CMS Big Data & BI Controlling documents Scanning check Personal Finance Management Real-time NFC card activation Mobile enrolment Password management…
Innovating features
FOR
UX UI
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