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Seite 1
6. Juli 2015
Paymit – Swiss P2P Payment Solution
Thomas Landis
Seite
1
2
Trends and Digital Transformation
3
Regulatory aspects and other stumbling blocks4
In the next 50 Minutes
2
What...
Seite 3
A lot of trends that have not yet reached the necessary stage of
maturity today will have a medium to major impact...
Seite 4
A lot of trends that have not yet reached the necessary stage of
maturity today will have a medium to major impact...
Seite 5
When we think about the future, we realize again and again that
we are entirely wrong when it comes to estimating ...
Seite 6
The next 10 years will witness more changes in the payment
industry than in the last 30 years put together!
Inform...
Seite 7
What is the tipping point?
Seite 8
What we did: Focused on most important, most mature trend
“Begin to Plan” “Requires Attention”
“De-Prioritize” “Wa...
Seite
1
2
Trends and Digital Transformation
3
Regulatory aspects and other stumbling blocks4
9
What is Paymit and why is i...
Seite 10
Online
banking
2015/2016
WALLET
The merging of the online and offline worlds is transforming
the Swiss payment ma...
Seite
1
2
Trends and Digital Transformation
3
Regulatory aspects and other stumbling blocks4
11
What is Paymit and why is ...
Seite 12
Sender
Pay
mit
• Open Standard for all Banks
• Easy and fast payment method based on mobile devices from person t...
Seite 13
Paymit (Live Demo): What is it?
Seite 14
SIX offers the Swiss banks a standardized P2P solution
Stored
value
Directory
Swiss banks
Paymit main functions
W...
Seite 15
Paymit after 1st Week
Total User: 11’262 User
(without advertising)
Growth per day +/- 1’000 User
Seite 16
Then UBS and ZKB started to communicate Paymit
Seite 17
New Accounts the Morning after Communications started
Seite 18
Paymit after 1 Month
39’484 User (per 28.6.)
Growth per day +/- 2’000 User
32’939 Send Transactions
CHF 33.50 Avg...
Seite 19
High Transaction Periods
After Work Beer
Sharing Dinner Costs
Coffee Break
Sharing Lunch Costs
Seite
1
2
Trends and Digital Transformation
3
Regulatory aspects and other stumbling blocks4
20
What is Paymit and why is ...
Seite 21
Highlights of the Solution
SIX
Bank
• Authentication and
authorization of the
user
• Processing of user
request
•...
Seite 22
Regulatory requirements
Sender
Paymit
• Two offers for full market coverage
- Integrated bank solution (SIX as pr...
Seite 23
Live Onboarding Process (KYC)
Seite
1
2
Trends and Digital Transformation
3
Regulatory aspects and other stumbling blocks4
24
What is Paymit and why is ...
Seite 25
What is our vision?
Seite 26
P2P: from P2P to P2M
We aim to displace cash by
1. Simplifying P2P transactions together with Swiss Banks
2. Redu...
Seite 27
Going Market Roadmap Merchants
Seite 28
Thank You!
Consulting. Design. Agile Projects. Products. Innovation Hosting.
Paymit in the garage
Speed is the best remedy against
di...
ti&m AG and SIX group
ti&m innovation garage
Paymit solution
it is time to market!
06.07.2015 30
ti&m garage & Paymit – Ag...
ti&m – Our Offering
Individual full service for your digitization strategy.
CompetenceCenter
Java
Mobile
Microsoft
SAP
DWH...
ti&m knows SIX group, their systems, interfaces and organization well and has
thorough experience in working in the bankin...
ti&m AG and SIX group
ti&m innovation garage
Paymit solution
it is time to market!
06.07.2015 33
ti&m garage & Paymit – Ag...
Do regulations, politics and
processes hold you back?
We offer space for your initiatives and help your idea to grow witho...
06.07.2015 35
ti&m garage closes the innovation gap and turn their innovations into successful products!
ti&m garage – Clo...
06.07.2015 36
Be inspired by the ti&m innovation room and let your ideas grow by reducing to the maximum.
ti&m garage – th...
06.07.2015 37
The garage is the physical melting pot of innovation, iteration and market focus.
ti&m garage – Method overv...
06.07.2015 38
ti&m garage focuses on the early visualization of the product and time to market
ti&m garage – What was the ...
ti&m AG and SIX group
ti&m innovation garage
Paymit solution
it is time to market!
06.07.2015 39
ti&m garage & Paymit – Ag...
Consulting. Design. Agile Projects. Products. Innovation Hosting.
We have a
lift off!
06.07.201540
Next Steps:
• Network h...
06.07.2015 41
Releasing early catches market share, releases resources and reduces complexity.
Paymit – Integration patter...
06.07.2015 42
After white-label integration, continue iteratively, based on customer value, effort and risk.
Paymit – Part...
ti&m AG and SIX group
ti&m innovation garage
Paymit solution
it is time to market!
06.07.2015 43
ti&m garage & Paymit – Ag...
To be or not to be digital – Success stories
 Social Banking B2B-Community
 (Web & Smartphone) with approx. 8000 members...
06.07.2015 45
To be or not to be digital– Innovation Responsive Portal
Time-To-Market Customer Benefit Agile
11months
 On...
06.07.2015 46
To be or not to be digital – Innovation Mobiles Payment
Time-To-Market Customer Benefit Agile
4months
 Desi...
5months
 State of the Art Smartphone- & tablet
banking solution of BCV.
 Frontend & backendintegration
by ti&m.
To be or...
06.07.2015 48
6months
 ti&m designed and provided
API and smartphone solution
to enable Sanitas with new
digital business...
Unsere Kunden und Partner – Branchenreferenzen (Auszug)
Unsere Kunden spüren und schätzen unser unternehmerisches Engageme...
Weitere
 Bundesamt für Informatik und
Telekommunikation (BIT)
 Bundesamt für Landestopografie swisstopo
 Eidgenössische...
Wir digitalisieren Ihr Unternehmen.
Consulting. Design. Agile Projects. Products. Innovation Hosting.
ti&m AG
Buckhauserst...
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SIX Paymit solution - Disruptive Payment Solution for the Swiss market powered by ti&m

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SIX Paymit is a payment network provided by SIX. The slide deck shows details of the solution and how long it would take for a bank to integrate the new payment method to their services.

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SIX Paymit solution - Disruptive Payment Solution for the Swiss market powered by ti&m

  1. 1. Seite 1 6. Juli 2015 Paymit – Swiss P2P Payment Solution Thomas Landis
  2. 2. Seite 1 2 Trends and Digital Transformation 3 Regulatory aspects and other stumbling blocks4 In the next 50 Minutes 2 What is Paymit and why is it important for Swiss Banks? Evolution in Swiss Payments Market Outlook Paymit for Merchants5
  3. 3. Seite 3 A lot of trends that have not yet reached the necessary stage of maturity today will have a medium to major impact in the future
  4. 4. Seite 4 A lot of trends that have not yet reached the necessary stage of maturity today will have a medium to major impact in the future “Begin to Plan” “Requires Attention” “De-Prioritize” “Watch List” Low High Low High Impact Polarity Maturity Level 1 Market Consortiums Emerge 9 Mixed Views on Mobile Proximity 4 P2P Evolution 7 Developer Communities 11 Shopping Assistant Tools 10 Social Payments 8 Virtual Currencies 5 Expansion of Core Offering to Other Payments 6 In-Person Shopping Experiences 3 Emergence of Cloud Solutions 12 MPOS Revolution 2 NFC Success Driven by Telco/Bank Relations Timing Impact Polarity • Revenue / Cost • Change to Ecosystem • Change to Business Models Maturity Level • Awareness • Usage / Penetration Short Term (1-3 years) Long Term (3+ years)
  5. 5. Seite 5 When we think about the future, we realize again and again that we are entirely wrong when it comes to estimating time: 10 years10 years "Went by quickly!" "Still so far off!" The iPhone did not exist 10 years ago Twitter was what a bird did The cloud was up in the sky 4G was a parking space LinkedIn was a prison and Skype was a typo
  6. 6. Seite 6 The next 10 years will witness more changes in the payment industry than in the last 30 years put together! Information is forever accessible at all times • Digitalization of processes • Digitalization of every-day objects • Products are “just” a piece of software • Everything is connected with everything else Globalization MobileDigitalization Megatrend The smartphone is assuming an increasing number of functions Rollout software products to the market is cheap New and at best disruptive business models Megatrend Megatrend New competitors from other countries • Clients expect innovations that are already on the market in the USA, Asia or Africa • Cultural differences are being broken down High-performance computers are lying dormant in our trouser pockets and handbags • Smartphones accompany us throughout the day • 20,000 new apps per month are added to the shelves of the app store • Wearables are becoming increasingly important
  7. 7. Seite 7 What is the tipping point?
  8. 8. Seite 8 What we did: Focused on most important, most mature trend “Begin to Plan” “Requires Attention” “De-Prioritize” “Watch List” Low High Low High Impact Polarity Maturity Level 1 Market Consortiums Emerge 9 Mixed Views on Mobile Proximity 4 P2P Evolution 7 Developer Communities 11 Shopping Assistant Tools 10 Social Payments 8 Virtual Currencies 5 Expansion of Core Offering to Other Payments 6 In-Person Shopping Experiences 3 Emergence of Cloud Solutions 12 MPOS Revolution 2 NFC Success Driven by Telco/Bank Relations Timing Impact Polarity • Revenue / Cost • Change to Ecosystem • Change to Business Models Maturity Level • Awareness • Usage / Penetration Short Term (1-3 years) Long Term (3+ years)
  9. 9. Seite 1 2 Trends and Digital Transformation 3 Regulatory aspects and other stumbling blocks4 9 What is Paymit and why is it important for Swiss Banks? Evolution in Swiss Payments Market Outlook Paymit for Merchants5
  10. 10. Seite 10 Online banking 2015/2016 WALLET The merging of the online and offline worlds is transforming the Swiss payment market Payment evolution 1 0 E-commerce Money transfer Mobile banking Micro payments Mobile commerce Mobile POS Enhanced P2P EMV / magnetic stripe Mobile coupons Loyalty Contactless Mobile loyalty Self- checkout Mobile top up In-store apps OnlineOffline Source: MasterCard Advisors Analysis, images taken from publicly available sources Status Key trends •Multi-functional devices (one-stop shop) •Multiple application by user •Merging of online and offline
  11. 11. Seite 1 2 Trends and Digital Transformation 3 Regulatory aspects and other stumbling blocks4 11 What is Paymit and why is it important for Swiss Banks? Evolution in Swiss Payments Market Outlook Paymit for Merchants5
  12. 12. Seite 12 Sender Pay mit • Open Standard for all Banks • Easy and fast payment method based on mobile devices from person to person connected directly to your Bankaccount or Credit Card • Swiss Mobile Phone Number as the Alias • Instant available funds for the receiver to be used within the P2P system Paymit: what is it? Innovation at SIX Payment Services Receiver Swiss Credit Card Bank Account Fr. Stored Value Stored Value Bank Account Fr. In 6 seconds
  13. 13. Seite 13 Paymit (Live Demo): What is it?
  14. 14. Seite 14 SIX offers the Swiss banks a standardized P2P solution Stored value Directory Swiss banks Paymit main functions Welcome Luca! Send Request Activities Settings P2P service Paymit main functions Welcome Luca! Send Request Activities Settings P2P service It’s Swiss. It’s safe. It’s from your bank. P2P service Paymit main functions Welcome Luca! Send Request Activities Settings Paymit main functions Welcome Luca! Change Profile Send Request History Withdraw P2P Service
  15. 15. Seite 15 Paymit after 1st Week Total User: 11’262 User (without advertising) Growth per day +/- 1’000 User
  16. 16. Seite 16 Then UBS and ZKB started to communicate Paymit
  17. 17. Seite 17 New Accounts the Morning after Communications started
  18. 18. Seite 18 Paymit after 1 Month 39’484 User (per 28.6.) Growth per day +/- 2’000 User 32’939 Send Transactions CHF 33.50 Avg. Trx. Funding Kreditkarte CHF 34.62 Funding Bankkonto CHF 46.89 6’694 Money Requests CHF 36.98 Avg. Request
  19. 19. Seite 19 High Transaction Periods After Work Beer Sharing Dinner Costs Coffee Break Sharing Lunch Costs
  20. 20. Seite 1 2 Trends and Digital Transformation 3 Regulatory aspects and other stumbling blocks4 20 What is Paymit and why is it important for Swiss Banks? Evolution in Swiss Payments Market Outlook Paymit for Merchants5
  21. 21. Seite 21 Highlights of the Solution SIX Bank • Authentication and authorization of the user • Processing of user request • Check user’s limits • Fund transaction • Transfer request to SIX • Notification of the users Switzerland • Authentication and authorization of the bank • Processing of request • Check scheme limits • Processing of credit card funds • Notification of the users • Notification of the banks • Reporting • Clearing Luxembourg • Account management • Bookkeeping • Balancing • Reporting
  22. 22. Seite 22 Regulatory requirements Sender Paymit • Two offers for full market coverage - Integrated bank solution (SIX as processor) - Stand-alone app for user/customers of banks that do not yet participate Receiver Swiss Credit Card Bank Account CHF. Stored Value Stored Value Bank Account CHF. • Payment to Swiss residents who have a Swiss mobile phone number • Sanction Screening for SIX-App: During registration and on every update of sanction list • Limits for SIX App: Max. turnover of CHF 5’000 per year, Max. balance of CHF 3’000 • Limits for all participants: number of transactions, max. transaction amount, bank- defined limits according to risk policies
  23. 23. Seite 23 Live Onboarding Process (KYC)
  24. 24. Seite 1 2 Trends and Digital Transformation 3 Regulatory aspects and other stumbling blocks4 24 What is Paymit and why is it important for Swiss Banks? Evolution in Swiss Payments Market Outlook Paymit for Merchants5
  25. 25. Seite 25 What is our vision?
  26. 26. Seite 26 P2P: from P2P to P2M We aim to displace cash by 1. Simplifying P2P transactions together with Swiss Banks 2. Reducing investment and costs for cash and card transactions 3. Simplifying and leverage e-/m-commerce transactions for low value payments < 12.50 CHF 4. Opening our P2P System to other payment providers with open API 5. Further displacing cash by bringing P2P to the EFTPOS Terminal Sender Receiver Swiss Credit Card Bank Account Fr. Bank Account Fr. SHOPPaymitStored Value Stored Value
  27. 27. Seite 27 Going Market Roadmap Merchants
  28. 28. Seite 28 Thank You!
  29. 29. Consulting. Design. Agile Projects. Products. Innovation Hosting. Paymit in the garage Speed is the best remedy against disruptive developments Zürich 29. Juni 2015 Walter Strametz, CTO
  30. 30. ti&m AG and SIX group ti&m innovation garage Paymit solution it is time to market! 06.07.2015 30 ti&m garage & Paymit – Agenda
  31. 31. ti&m – Our Offering Individual full service for your digitization strategy. CompetenceCenter Java Mobile Microsoft SAP DWH/BI CMS Integration Agile Projects Products Innovation Hosting System Engineering EAI / SOA E- und M- Commerce ti&m channel suite Der Benchmark für Business- Digitalisierung. ti&m security suite Next Generation Authentisierung und Access für das digitalisierte Business. AM of mission critical solutions Cloud Service Consulting & Engineering Software as a Service Consulting Exploratives Consulting Business Transformation Design Experience Design Prototyping Usability Social Business IT Requirements Engineering Architektur Reviews Projekt- management Umsetzungsorientiert, unabhängig und innovativ. » Erfolg durch Innovation, Agilität und techno- logische Exzellenz. Produkte, Beratung und Kundenbeziehung digitalisiert und sicher. Das Schweizer Full Service Center für Ihre Innovationsprojekte. Innovationen durch Emotionen, Kreativität und Einfachheit. » » » » Business ProzesseSolutions Digitalization Agile Methoden Social Content Management ti&m scrum / RUP Start-up Enabling CMS Solutions 06.07.2015 31
  32. 32. ti&m knows SIX group, their systems, interfaces and organization well and has thorough experience in working in the banking environment. ti&m – developing SIX history  Innovation “garage” like Paymit  Contract work (e.g. SIX BDM, P2P, P2X)  Developing in SIX backend-systems We are working also with numerous banks:
  33. 33. ti&m AG and SIX group ti&m innovation garage Paymit solution it is time to market! 06.07.2015 33 ti&m garage & Paymit – Agenda
  34. 34. Do regulations, politics and processes hold you back? We offer space for your initiatives and help your idea to grow without borders. Do you want to have place where your ideas can prosper? Do processes, systems and regulations hold you back?
  35. 35. 06.07.2015 35 ti&m garage closes the innovation gap and turn their innovations into successful products! ti&m garage – Closing the innovation gap1 or: when innovations become just a “good idea” Ideate Select Innovation Gap Development Introduction & Scale Why innovation centers often fail: - - Customers are lost on the transition from the idea to the product. - Existing Processes and silo thinking create firewalls - the idea cannot evolve. - Unrealistic and untested assumptions drive the idea – disappointments are programmed. Why the garage works: - Takes the tools from “the left side” of innovation, ideation into the development phase - Product is tested on the market as early as possible – so are the assumptions. - Integrated and co-located teams support direct information flow – no slow processes. - Time to market is key 1) Based «Bridging the Innovation Gap»
  36. 36. 06.07.2015 36 Be inspired by the ti&m innovation room and let your ideas grow by reducing to the maximum. ti&m garage – the fuel for Speed + Design thinking + Agile Software Engineering + Excellent people + Vertical integration ti&m garage Ideas vs. hierarchies Fast launches Empowerment Entrepreneurship Time-boxed and Co-located @ ti&m Obtain products rapidly within 3 months 6 months 9 months Innovation culture
  37. 37. 06.07.2015 37 The garage is the physical melting pot of innovation, iteration and market focus. ti&m garage – Method overview Backlog Tasks Use time blocker for the tools ti&m garage Empathize Artefacts & ceremonies: - Ideation, e.g. Brainstorms - Personas and Immersion - Paper prototypes & wireframes - Immersion, Interviews - Gut Check Fixed time block and budget, select tools you need that your product will pivot towards real needs. Scale artefacts & ceremonies: - Find first customers - Measure success – data driven decisions - Business model and its assumptions Product & Pitch
  38. 38. 06.07.2015 38 ti&m garage focuses on the early visualization of the product and time to market ti&m garage – What was the impact of the garage? Front first Mocking backend systems to move forward Designer involved in the scrum team, short review after standup meeting Co-location We worked with short communication cycles – the product is the documentation Minimal Viable Product Do not hunt for the perfect solution which covers every scenario No merchant integration Different integration patterns
  39. 39. ti&m AG and SIX group ti&m innovation garage Paymit solution it is time to market! 06.07.2015 39 ti&m garage & Paymit – Agenda
  40. 40. Consulting. Design. Agile Projects. Products. Innovation Hosting. We have a lift off! 06.07.201540 Next Steps: • Network has to grow • Followers can use economies of scale • Urgency is obvious
  41. 41. 06.07.2015 41 Releasing early catches market share, releases resources and reduces complexity. Paymit – Integration patterns and saving through reuse (%) Initiation White label 80 % + Onboar- ding 60 % 1 2 “Loading” necessary SIX virtual account Integrated to SIX Paynet Be part of the «Paymit cloud» (Just change SIX logo) Attached to bank account integrated in bank backend/middleware or integrated with B- Source/Swisscom 1 month time-to-market Full integration ~ +4 months time-to-market 2 Full Integra -tion 40 % Integrated with security Easy on boarding – no repetition of personal information
  42. 42. 06.07.2015 42 After white-label integration, continue iteratively, based on customer value, effort and risk. Paymit – Partly and full integration pattern existing bank Paymit Integrator Paymit app E- banking batch REST SOAP White-label solution of SIX 1 months time-to-market No integration with infrastructure Client based on white label app Security not integrated security existing bank Paymit Integrator Paymit app E- banking or app batch REST SOAP Onboarding integration 3 months time-to-market Security Integration Client onboarding integrated Security integrated Prospects can be included security existing bank Paymit Integrator Paymit app Mobile banking app REST SOAP Full integration 5 months time-to-market Can be fully integrated in existing channels designed Paymit app security
  43. 43. ti&m AG and SIX group ti&m innovation garage Paymit solution it is time to market! 06.07.2015 43 ti&m garage & Paymit – Agenda
  44. 44. To be or not to be digital – Success stories  Social Banking B2B-Community  (Web & Smartphone) with approx. 8000 members for Credit Suisse – developed & hosted by ti&m. 9months Innovation Corporate Cash Suite Innovation EamXchange 6months  Multibanking Cash Suite for Corporate Customers  Running on Desktops & Tablets.  Design, Frontend & Backend by ti&m. Time-To-Market Customer Benefit Agile
  45. 45. 06.07.2015 45 To be or not to be digital– Innovation Responsive Portal Time-To-Market Customer Benefit Agile 11months  One solution for Web 2.0 including all mobile channels smartphones and  Tablets & Browser - OS independent.
  46. 46. 06.07.2015 46 To be or not to be digital – Innovation Mobiles Payment Time-To-Market Customer Benefit Agile 4months  Design, Frontend and backend integration by ti&m.
  47. 47. 5months  State of the Art Smartphone- & tablet banking solution of BCV.  Frontend & backendintegration by ti&m. To be or not to be digital – Innovation BCV Smartphone & Tabletbanking 06.07.2015 47 Time-To-Market Customer Benefit Agile
  48. 48. 06.07.2015 48 6months  ti&m designed and provided API and smartphone solution to enable Sanitas with new digital business models. To be or not to be digital – Innovation Smartphone Time-To-Market Customer Benefit Agile
  49. 49. Unsere Kunden und Partner – Branchenreferenzen (Auszug) Unsere Kunden spüren und schätzen unser unternehmerisches Engagement. 06.07.2015 49
  50. 50. Weitere  Bundesamt für Informatik und Telekommunikation (BIT)  Bundesamt für Landestopografie swisstopo  Eidgenössisches Departement für Wirtschaft, Bildung und Forschung WBF  Novartis  Schweizerische Nationalbank Unsere Kunden und Partner – Branchenreferenzen (Auszug) Unsere Kunden spüren und schätzen unser unternehmerisches Engagement. 06.07.2015 50
  51. 51. Wir digitalisieren Ihr Unternehmen. Consulting. Design. Agile Projects. Products. Innovation Hosting. ti&m AG Buckhauserstrasse 24 CH-8048 Zürich Belpstrasse 39 CH-3007 Bern Telefon +41 44 497 75 00 E-Mail info@ti8m.ch Twitter @ti8m_ag Facebook ti8m.ch/fb www.ti8m.ch

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