viii lisbon debate comunicaçao maria antonia saldanha
DESCRIPTION
VIII Lisbon EACD Debate focused on "Financial communications: rebuilding trust and confidence", sponsored by Hotel Altis and Optimus, 9th november, 2011TRANSCRIPT
Lisbon, November 9th 2011
2
The Successful Coopetitive Model
Challenges as Opportunities
3
The Successful Coopetitive Model
Challenges as Opportunities
4
SIBS Origin SIBS Today SIBS Mission
SIBS aim to be an international reference aspayment systems technological operator
Created in 1983
Fully nationalized banking sector
12 shareholder (banks)
Designed to be an instrument for interbank cooperation in the payments arena
• 26 shareholder (99% of bank market share)
• Owner of the “MULTIBANCO” network (single ATM and EFTPOS operator in Portugal) and card scheme
• Global ACH in Portugal for all payment systems
• Provider of backoffice & Item Processing services for the banking community
Contribute to social welfare, promoting and efficiency in Financial services, namely payments, through the provision of technological solutions and processes that combine security, convenience and innovation at the lowest possible cost
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BANK A BANK B BANK C BANK D ... BANK Z
TECHNOLOGICAL INFRASTRUCTURE
FINAL CLIENTSCOMPETITIVE PLATFORM(operational economies distributed)
COOPERATIVE PLATFORM
(network and scale economies)
CARDS CHEQUES DRAFTS CREDIT TRANSFERS
DIRECT DEBITS RTGS
International Systems' Interface
Channel Interface
STEP2International Schemes TARGET2
ATM Mobile BankingInternet secure payments
POS Internet banking Contactless road toll payments
Others
SIBS plays a transversal role in the payment system, presenting a one‐stop‐shop offer with unique innovative services
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“MULTIBANCO system is one of the most advanced networks in the world (…) enabling innovative services such as the pre‐paid mobile phone calls and the electronic motorway toll system.” In Financial Times, June 2003
“Portugal’s MULTIBANCOsystem is acknowledged to be the most sophisticated and comprehensive in the world.”
In Eurobusiness, June 2003
“... the example of the Portuguese system, SIBS, suggests that greater innovation may arise out of a system where all the processing for a number of payment methods is carried out centrally.”
In OFT, April 2006
“The significant increase in the use of debit cards in Portugal, over the last decade, is linked to the creation of SIBS (…).”
In ECB, “ECB Blue Book”, Vol. I, August 2007
“A survey conducted for this report looked at the availability and use of a non‐cash functions at cash machines in other countries. Of the survey respondents, the Portuguese were the leaders in the cash machine functionality.”
In APACS’ Report UK Cash & Cask Machines, May 2008
The Portuguese payment system is internationally recognized as a case of success and innovation
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ManagedCards
(thousands)
1986
766
1988
1.240
1992
4.205
1994
5.291
1996
7.024
1998
9.315
2000
11.756
2002
14.574
2004
16.189
2006
17.6422.377
1990
ATM Network
~2,3 Billion transactions in
2010.
POS Network Road toll contactless payments
Mobile phone top-up
Public phones’
payments
RTGS
Car Park contactless payments
SET Protocol(e-commerce)
Bill payment at
ATM
Cheques’ Clearing
Draft’s Clearing
Road Toll payments
Tax Payments
LawPayments
PE-ACH interface(for credit transfers)
Direct Debits
Gas stations contactless paymentsDirect
Credits
Welfare Payments
SWIFTinterface
First network in the world to offer Bill Payments and Mobile Phone Top-Up.
SEPA CT
ContactlessPayments
(card)
Millions of operations per year
200
400
600
800
1.000
1.200
1.400
1.600
1.800
2.200
2.000 TARGET 2
2008
19.768
2010
18.876
e-authentication
MB DOX
9
10
ATM
POS
Other:•Home Bank•Road Toll•Mobile banking•Internet banking•…
•Cheques•Direct Debits•Credits Transfer•Drafts •RTGS
Number of transactions (millions)Channels
312
363
748
883
Total ACH 7.9882.342
15
30
52
7.888
Total value (billion euros)
Source: SIBS statistics ‐ 2011.
SIBS’ ACH processes 2,3 billion transaction per yearwith a total value of almost 8 trillion €.
~278.000 POS (multi‐acquirer – all major vendors ‐ 70+ models)
~14.400 ATM (all major vendors ‐ 20+ models)
>2,3 billion operations
>19 million cards
>200 million documents
200 OPERATIONSPER SECOND
76 million € / withdrawals/ day
79 million € / purchases/ day
15€ from everyPortuguese, every day
7 trilions euros in 2010More than 40x Portugal’s PIB
More than 2 airports per day17 bilions € / SICOI / day
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The Successful Coopetitive Model
Challenges as Opportunities
Continuous growth
International markets
Non coopetitiveservices
Grow withshareholders
Business Activity Monitoring
Contactless
Instant Issuing
SIBS is one of the biggest European processors with on‐going operations in different business fields on several countries.
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On-going operations in:• Europe
• Poland• Greece• Romania• Spain• Malta• UK
• Africa• Angola• Algeria• Mozambique
and SWIFT services to customers based in such diverse overseas locations as New York, Panamaand Southeast China.
Lisbon, November 9th 2011
Maria Antónia SaldanhaCommunication Manager ‐ Corporate Office ‐ SIBS:
[email protected]://pt.linkedin.com/in/masaldanha