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

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From Payment
to Digital Wallet
Olivier PERRIN
November 2015

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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)

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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

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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 to
Digital 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 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

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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
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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
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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
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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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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

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