2. Agenda
•
•
•
•
•
•
•
•
•
Different
payment
types
Typical
business
model
in
retail
Pay
flow
Digital
pla;orm
opportunity
Different
medium/channel
in
Digital
pla;orm
Key
focus
in
banking
payment
Key
regulatory
standards
Risk
consideraBon
Challenges
What
Next
:
What
business
is
looking
for
?
6. Digital
Payment
Opportunity
Global
non-‐cash
payments
expected
to
top
333
billion,
says
World
Payments
Report
2013
200
180
160
140
120
Number
of
TranscaBon
(Billion)
100
2020
Debit
Card
(%)
Retail
PoporsiBon
(%)
80
Credit
Card
(%)
2015
60
AlternaBve
Method
(%)
40
20
2013
0
2013
2015
2020
0
20
40
60
7. Different
medium
In
Digital
Payment
•
•
•
•
•
Online
Banking
eWallet
Mobile
Payment
App
Mobile
Payment
-‐
NFC
Retail
:
Wirelesses
Payment,
NFC
8. Key
focus
:Banking
payment
• Consumer
Payment
:
•
AnalyBcs,
Social
Business
Payment,
PSP,
PG,
Mobile
Payment
• Commercial
Payment
:
•
Make
Profitable
,
standardize
and
modernize
transacBon
processing
,
reduce
complexity
and
cost
• Risk
and
Compliance
•
GlobalizaBon,
DeregulaBon,
SophisBcated
technology,
Regulatory
compliance,
Customer
abuse,
Fraud
• Payment
and
TransacQon
plaRorm
•
Manage
complexity
through
integraBon
9. Key
regulatory
standards
SWIFT
MT-‐MX,
ISO
20022,
FpML,
FIX
and
SEPA.
Risks
Market
Risk,
Business
Risk,
Credit
Risk
–
Horizontally
Enterprise
Risk
-‐
VerBcally
10. Challenge
• Data
Beaches
• Too
many
regulatory
:
country/Region
specific
regulatory
and
Compliance
• Security
• Deadlines
• Interchange
fees
:
0.2%
DC,
0.3
%
CC
11. What
Next
:What
business
is
looking
?
• CEO
:
New
Business
Model,
More
Profitable
&
high
Customer
saBsfacBon
•
•
•
•
•
CMO
:
GTM
,
Get
advantage
from
Big
Data
&
Social
Media
IntegraBon
CIO
:
Agile,
Security,
Business
TransformaBon,
GRC
&
CollaboraBon
CTO:
Simple
Design,
Architecture
&
Governance
CHO
:
Talent,
InnovaBon,
Aitude,
Willing
to
Learn
&
Leadership
ADB
:
Highly
scalable,
Reliable,
Resilience,
Secure,
Support
High
Volume
TransacBon