ݺߣ

ݺߣShare a Scribd company logo

From Payment to Digital Wallet

•Download as PPTX, PDF•
•
Sopra Banking Software
Sopra Banking Software

To develop mobile payment, the payment industry has to take into account the new digital approach of Customer Experience. The payment has to be integrated easily in the User Experience by facilitating the enrolment, the authentication and the check out. Digital Wallet is an answer to integrate payment API in the user experience to develop mobile payment - by Olivier PERRIN, Head of Cards and Payments Consulting activity, Sopra Banking Software

1 of 13
Downloaded 54 times
©CopyrightSopraBankingSoftware2015 1 From Payment to Digital Wallet Olivier PERRIN November 2015
2 ©CopyrightSopraBanking Software2015 Competition decrease payment revenues of 300 PSP in Europe Regulations open up payment sector to new players New and different trends in Payments Payment is not the driver of customer journey anymore Digital Wave creates new services for payments and beyond - 1,3 milliards of smartphone sell per year (Gartner 2014)
3 ©CopyrightSopraBanking Software2015 New uses and customer behaviour Payment 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
4 ©CopyrightSopraBankingSoftware2015 4 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 to Digital Wallet Platform These platform allow to industrialize design , deploy and execute digital wallets
©CopyrightSopraBankingSoftware2015 5 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
©CopyrightSopraBankingSoftware2015 6 After the purchase Customer service and budget Management During the purchase Make the purchase more simple and user friendly Before purchase Encourage the purchase and facilitate the decision Purchase focused approach Improve customers’ experience of shopping during each steps of purchase
©CopyrightSopraBankingSoftware2015 7 API aggregation Platform Catalog of Services API Management App Studio Build Mobile Native A complete platform based on best of breed technologies for successful wallets ©CopyrightSopraBankingSoftware2015 7
©CopyrightSopraBankingSoftware2015 8 Key points App 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 ©CopyrightSopraBankingSoftware2015 8
©CopyrightSopraBankingSoftware2015 9 Key points Back Office Server API 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 ©CopyrightSopraBankingSoftware2015 9
©CopyrightSopraBankingSoftware2015 10 Payment Shopping Geographic IT A catalog of services to enrich wallet service offering Ticketing and Pass Bank Services eServices
11 ©CopyrightSopraBanking Software2015 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 products 2015 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
©CopyrightSopraBankingSoftware2015 12
The information contained herein relates to Sopra Banking Software information, products and services. While all reasonable attempts have been made to ensure accuracy, currency and reliability of the content, all information is provided "as is". There is no guarantee as to the completeness, accuracy, timeliness or the results obtained from the use of this information. No warranty of any kind is given, expressed or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Sopra Banking Software be liable to you or anyone else for any decision made or action taken in reliance on the information herein or for any consequential, special or similar damages, even if advised of the possibility of such damages. Sopra Banking Software does not accept any responsibility for any errors or omissions, or for the results obtained from the use of this information. Information obtained should not be used as a substitute for consultation with Sopra Banking Software. References and links are provided as a service. Sopra Banking Software is not endorsing any provider of products or services, nor does it accept responsibility for the quality of goods and services provided by third parties. The content is protected by copyright and trademark laws. Apart from fair dealing for the purposes of private study, research, criticism or review, as permitted under copyright law, no part may be reproduced or reused for any commercial purposes whatsoever without the prior written permission of the copyright owner. All trademarks, logos and other marks shown are the property of their respective owners. Fonts licensed under the Apache License, Version 2.0 (the "License"); you may not use this file except in compliance with the License. You may obtain a copy of the License at http://www.apache.org/licenses/LICENSE-2.0 T +33 (0)1 55 91 72 72 F +33 (0)1 55 91 72 73 Tour Manhattan 5, place de l’Iris – Courbevoie FR 92095 La Défense Cedex www.soprabanking.com ©CopyrightSopraBankingSoftware2015 13

More Related Content

From Payment to Digital Wallet

  • 2. 2 ©CopyrightSopraBanking Software2015 Competition decrease payment revenues of 300 PSP in Europe Regulations open up payment sector to new players New and different trends in Payments Payment is not the driver of customer journey anymore Digital Wave creates new services for payments and beyond - 1,3 milliards of smartphone sell per year (Gartner 2014)
  • 3. 3 ©CopyrightSopraBanking Software2015 New uses and customer behaviour Payment 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
  • 4. 4 ©CopyrightSopraBankingSoftware2015 4 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 to Digital Wallet Platform These platform allow to industrialize design , deploy and execute digital wallets
  • 5. ©CopyrightSopraBankingSoftware2015 5 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
  • 6. ©CopyrightSopraBankingSoftware2015 6 After the purchase Customer service and budget Management During the purchase Make the purchase more simple and user friendly Before purchase Encourage the purchase and facilitate the decision Purchase focused approach Improve customers’ experience of shopping during each steps of purchase
  • 7. ©CopyrightSopraBankingSoftware2015 7 API aggregation Platform Catalog of Services API Management App Studio Build Mobile Native A complete platform based on best of breed technologies for successful wallets ©CopyrightSopraBankingSoftware2015 7
  • 8. ©CopyrightSopraBankingSoftware2015 8 Key points App 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 ©CopyrightSopraBankingSoftware2015 8
  • 9. ©CopyrightSopraBankingSoftware2015 9 Key points Back Office Server API 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 ©CopyrightSopraBankingSoftware2015 9
  • 10. ©CopyrightSopraBankingSoftware2015 10 Payment Shopping Geographic IT A catalog of services to enrich wallet service offering Ticketing and Pass Bank Services eServices
  • 11. 11 ©CopyrightSopraBanking Software2015 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 products 2015 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
  • 13. The information contained herein relates to Sopra Banking Software information, products and services. While all reasonable attempts have been made to ensure accuracy, currency and reliability of the content, all information is provided "as is". There is no guarantee as to the completeness, accuracy, timeliness or the results obtained from the use of this information. No warranty of any kind is given, expressed or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will Sopra Banking Software be liable to you or anyone else for any decision made or action taken in reliance on the information herein or for any consequential, special or similar damages, even if advised of the possibility of such damages. Sopra Banking Software does not accept any responsibility for any errors or omissions, or for the results obtained from the use of this information. Information obtained should not be used as a substitute for consultation with Sopra Banking Software. References and links are provided as a service. Sopra Banking Software is not endorsing any provider of products or services, nor does it accept responsibility for the quality of goods and services provided by third parties. The content is protected by copyright and trademark laws. Apart from fair dealing for the purposes of private study, research, criticism or review, as permitted under copyright law, no part may be reproduced or reused for any commercial purposes whatsoever without the prior written permission of the copyright owner. All trademarks, logos and other marks shown are the property of their respective owners. Fonts licensed under the Apache License, Version 2.0 (the "License"); you may not use this file except in compliance with the License. You may obtain a copy of the License at http://www.apache.org/licenses/LICENSE-2.0 T +33 (0)1 55 91 72 72 F +33 (0)1 55 91 72 73 Tour Manhattan 5, place de l’Iris – Courbevoie FR 92095 La Défense Cedex www.soprabanking.com ©CopyrightSopraBankingSoftware2015 13