retail payments strategy overview - aci worldwide...‣commerce gateway - 19 ‣base24 – 235...
TRANSCRIPT
Retail Payments Strategy Overview
Jeffrey S. Hale Senior Vice President Retail Payments
ACI WORLDWIDE
INTERACTIVE RESPONSE SYSTEM
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Key drivers
Current product portfolio
Product strategies
Customer considerations
Close
DISCUSSION ITEMS
KEY MARKET AND CUSTOMER DRIVERSIN RETAIL PAYMENTS
Business‣Margin pressures‣The drive for customer loyalty‣Fraud‣Mobile‣Customer service and access expectations
Regulation and compliance‣EMV‣PCI‣Durbin‣SEPA
Technology‣Open systems‣SOA-centric architectures‣Cloud computing‣Mobile
KEY DRIVERS FOR CHANGE
The payments business continues to be increasingly relevant for banks and retailers, with many key drivers for change.
CURRENT RETAIL PAYMENTSPRODUCT PORTFOLIO
ACI RETAIL PAYMENTS SOLUTION – PRE-S1
EXTERNALPAYMENT NETWORKS
TRANSACTIONCHANNELS
MOBILE
ONLINE
BRANCH
CALL CENTER
ATM
POS
ACI RETAIL PAYMENTS SOLUTION – POST-S1
TRANSACTIONCHANNELS
MOBILE
ONLINE
BRANCH
CALL CENTER
ATM
POS
EXTERNALPAYMENT NETWORKS
‣Issuer – 9‣Acquirer – 4‣Interchange - 34‣Payments Manager – 17‣Postilion Office – 180‣Postilion Card Management- 160 ‣Token Manager – 3‣Smart Chip Manager – 24‣Claims Manager – 16‣CMS – 27
Back Office‣BASE24-eps - 90‣Postilion Realtime– 375‣Retail Commerce Server – 45‣ISD - 145‣Commerce Gateway - 19‣BASE24 – 235‣Open/2 – 27‣ON/2 – 25‣OCM24 - 20‣ASX – 13‣TRANS24 – 2
Online Payments
ACI has a broad portfolio of online payments and back office solutions.
ACI RETAIL PAYMENTS CUSTOMERS BY PRODUCT
90 CUSTOMERS HAVE LICENSED BASE24-eps‣Live 50‣In Project/licensed 40
MIGRATIONS/IMPLEMENTATIONS‣BASE24 Migrations 47‣Other ACI Payment Engine Migrations 9‣New Implementations 34
LICENSED CUSTOMERS BY PLATFORM‣IBM System z 6‣IBM System p 24‣HP Non-Stop 54‣Sun 6
LICENSED CUSTOMERS BY CHANNEL‣EMEA 45‣Americas 33‣Asia-Pacific 12
BASE24-EPS CUSTOMER BREAKDOWN
PAYMENT INFRASTRUCTURE SOLUTIONSRetail
BankingWholesale
Banking Fraud
Payment Testing
ASSET forBASE24/BASE24-eps
ASSET for PRM
Payment Communications
Communication Services (ICE/ICE-XS)
Communication Services (ICE/ICE-XS)
Communication Services (ICE/ICE-XS)
Payment Communications Web Access Services (WebGate) Web Access Services (WebGate) Web Access Services (WebGate)Payment Communications
Enterprise Security Services (SafeTGate)
Enterprise Security Services (SafeTGate)
Enterprise Security Services (SafeTGate)
High Availability GoldenGate GoldenGate
Payment Service Management Prognosis for BASE24/BASE24-epsPostilion
Prognosis for MTS
Prognosis for PRM
Mobile
Mobile Channel Manager Mobile Channel Manager Mobile Alerting
Mobile Mobile Alerting Mobile AlertingMobile
Token Manager for Mobile Token Manager for Mobile
Mission-critical enabling infrastructure
RECENT PRODUCT DELIVERIESBASE24-eps‣Release 11.1
Card and Merchant Management‣Acquirer 3.9‣Interchange 3.36
Postilion‣Realtime 5.4‣Office 4.3‣Card
Retail Commerce Server‣Release 4.7.2‣PinComm Version 6.4.4
Infrastructure Solutions‣Payment Services Mgmt for BASE24-eps 11.1, PRM 8.0‣Asset support for new BASE24-eps interfaces‣ICE/XS enhancements (SOAP, TCP/IP)
Ongoing active investment across the portfolio
RETAIL PAYMENTS PRODUCT STRATEGIES
GLOBAL KICKOFF2011
STRATEGY FOR RETAIL PAYMENTS
Offer integrated end-to-end solutions for retail payments
Offer the most scalable, reliable, flexible solutions in the market
Give customers environmental choice
Ensure solutions integration and quality
Offer the broadest range of solutions, available globally
EXECUTION PLAN FOR RETAIL PAYMENTS
Employ a Dual-Product Market Strategy
Invest at Above-Markets Rates
Create Clear Migration and Support Plans
Use Customer Input to Refine Plans
‣ BASE24-eps for global banks and processors (Postilion for Africa)‣ Postilion for global retailers (RCS for US and Mexico)
‣Features, infrastructure, extensibility, integration
‣Migration enablement‣Structured support plans for products across the maturity spectrum
‣Product Advisory Councils‣Early-stage use cases with specific customers
TARGETING POSTILION CORE TECHNOLOGY
GlobalRetailers
MobilePayments
Office
CurrentCustomers
Emerging Africa
FRONT END
FRONT END
MOBILE TOOLS
CORE SYSTEMS
NETWORKS
‣Depository systems‣Mortgage & loans‣Compliance
‣Global associations‣Regional networks
PAYMENTS PROCESSING
CORE SYSTEMS‣Systems of Record
‣Global associations‣Regional networks
NETWORKS
GLOBAL PAYMENT SOLUTIONS STRATEGY
PAYMENTS PROCESSING
MOBILE
Online, Mobile & Branch Banking
Internet Shopping
Enabling Mobile Payments & Mobile Wallets
Online & Mobile Banking
Trade
Middleware/Hub, Payment Services, Payments Processing for RTGS, ACH, SWIFT, Financial Messaging
FRONT END
FRONT END
MOBILE TOOLS
CORE SYSTEMS
NETWORKS
‣Depository systems‣Mortgage & loans‣Compliance
‣Global associations‣Regional networks
PAYMENTS PROCESSING
CORE SYSTEMS‣Systems of Record
‣Global associations‣Regional networks
NETWORKS
GLOBAL PAYMENT SOLUTIONS STRATEGY
PAYMENTS PROCESSING
MOBILE
Online, Mobile & Branch Banking
Internet Shopping
Enabling Mobile Payments & Mobile Wallets
Online & Mobile Banking
Trade
Middleware/Hub, Payment Services, Payments Processing for RTGS, ACH, SWIFT, Financial Messaging
BASE24-eps: A Scalable, Extensible Global Payments Platform
Release 11.1 (Q112)‣More features‣More infrastructure‣Migration enablement
Software Development Kit ‣ SOA-enablement‣Easier extensibility
“Customer component” ‣ Facilitates P2P, Mobile, ACH
Tetris release ‣ More features ‣ More infrastructure‣ Migration enablement
‣Robust global feature set‣Scalable, open infrastructure‣Flexible scripting and configuration‣Extensible by customers
RETAILER SOLUTION – BEST ASSETS COMBINEDSingle, integrated platform that forms the basis of a customer-centric retailing strategy. Leverage the critical interaction of payments as the foundation for growing profitably by driving new revenue, keeping more spend in store and reducing losses due to fraud and abuse. All available to license on-premise or as Software as a Service.
Net
wor
k Ac
cess
Third Party Process
Telcos
Gift Card Providers
Acquirers
Consistent Shopping Experience
Authorisation ServicesECR
MOTO
e-commerce
Transaction Channels
Net
wor
k Ac
cess
Fuel
Stored Value Cards
Proprietary Charge
Commerce Gateway
Settlement
Auto-Reconciliation
Transaction Queries
High Availability
Monitoring And Alerts Active/active
Web
Con
sole
s
Import / Export Files
Third Parties
Disaster Recovery
Configuration Management
Tokenisation
Point-to-point encryption
Net
wor
k In
terf
aces
Term
inal
D
rivin
g
Proactive Risk Manager
Reports
Mobile
CREDIT, DEBIT, PREPAID, PAYPAL
P2P PAYPAL/P2P ANYWHERE
MOBILEPAYMENTS
MOBILEWALLETMOBILE
BANKING
SOCIAL MEDIA
INTEGRATED FRAUD DETECTION AND PREVENTION
Real-time ScoringProfilingAnalyticsRules/ list management
Alert managementCase ManagementDashboards
ONLINE BANKING
BRANCH ATM POS CALL CENTERONLINE BANKING IVRMOBILE ACH & WIRE
Limit managementBlock checkingCVV validation
Sanctions filteringLimit managementDual controlPermissions
‣Browser security‣Entitlements ‣Token management
Multi-factor authenticationVelocity monitoring
Other Retail and Wholesale Payment Engines
Real-tim
e Dashboards and
Program
Effectiveness
Third Party VendorsAnalyticsAlertingAMLGovernance
Certified Interoperability
&
PAYMENTS PROCESSING
KEY CUSTOMER CONSIDERATIONS
KEY CUSTOMER CONSIDERATIONS :
PRODUCT AND CUSTOMER SUPPORT
No “end-of-life” for mission-critical products
You make the choice
Product support& customer options‣Migrate in full to the new solution‣Remain on the current solution‣Hybrid environments
ENABLING CUSTOMER CHOICE
1
Customer Migration Options
2 3
Migrate to New SolutionAbove-market product investmentLike-for-like investment protectionMaturing deployment infrastructureMigration enablement toolsStructured project processesMaturing services model
Remain on Current SolutionCommitment to no “end of life”Industry-standard maturity modelStructured support process, including mandate supportESP for code-stream specific support
Hybrid Environment1+2, plus – Bridging technologiesMigration support
LOWERING THE BAR ON MIGRATION COST/TIME/RISK
Lowering the migration bar through:‣Migration tools‣Migration programs
(e.g. Networks First‣ Services programs‣ Better experience and use cases
BASE24 (for example)
‣Proven, robust, scalable, secure‣Single platform‣Customization via source code change
Lower TCO & Faster time to market
CostRiskTime
BASE24-eps‣Open, flexible, modern technology‣Multi-platform support‣Customization via scripting and‣ Software Development Kit
CLOSING COMMENTS
‣ Tremendous activity in the payments market and at ACI – let’s share our experiences and team up to create winning strategies
‣ Please attend the detailed sessions and give us feedback
‣ Thanks for attending and enjoy the conference!
Thank You!
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