STET Retour d expérience BIG DATA PARIS 2017

Transcription

1 STET Retour d expérience BIG DATA PARIS /03/2017 eric.gabillet@stet.eu STET - Any use or copy without STET authorization is prohibited

2 STET s Clearing services Originator Originator s bank / PSP Beneficiary s Bank / PSP Beneficiary Payment CORE Payment Clearing System Payment Payment Payment Settlement Central Bank Clearing is the process of : Clearing Routing, transmission, reconciliation and, in some cases, transfer orders confirmation prior to settlement Netting of orders and establishment of final positions for settlement. The settlement in the central bank (Target2) completes the processing of a transaction by discharging the obligations of one PSP to another through the transfer of funds 2

3 Our activity and track record Critical STET is a critical operator for our clients, the banks and the banking communities, for the central banks and finally for the end-users we serve every day > 22 Billion transactions in 2016 Secure & efficient SIPS certified by ECB Benchmarked for 300,000,000 transactions per day RPO 0 / RTO 2 hours Average of 25 Billion Euros per day Leader STET is one of the leading payment processors combining authorization and clearing & settlements STET processes >90% of French authorizations and Clearing & Settlement and > 90% of Belgium Clearing & Settlement 52% Of euro transactions cleared in CSMs Diversified & Innovative STET supports the full range of payments services: Direct Debits, Credit Transfers, Cards and ATMs transactions, Cheques, Bills of Exchange, and soon Instant Payments STET also provides a secure network for cash withdrawal and payment authorization messages Mix of payment instruments processed by CORE system 55% 17% 16% 12% Cards & ATM Transfers Debits Cheques 3

4 Company history and shareholder structure Our history Dec 2004 Creation of STET Feb 2005 CORE project Our governance Jan 2008 CORE system Oct 2008 Completion of national French migration Belgium CSM Jan 2016 Merger with SER2S Apr 2016 CORE2 project Nov 2017 Instant Payment Service Status Since January 2016, STET is a Société Anonyme with a capital of 20 million Shareholders ( 6 major banks & 1 payment scheme) 4

5 STET s vision Clearing services strengths Integrated solution We provide PSPs across SEPA an integrated solution for Clearing & Settlement for all payment instruments through a Single Access New services Continuously innovation to design new functional and technical solutions to respond to tomorrow s challenges : Instant payment Mobile payment Clearing solution diagram 5

6 Drivers of Instant Payments The digitalization of our economy, with the spread of smartphones and of electronic commerce, entails a general acceleration of payments. On the one hand, new technologies drives the evolution of customer habits, who take for granted the ubiquity, any time anywhere, of internet shopping. Customers also expect to pay for and receive their purchases as fast as possible. Suppliers, on the other hand, wish to retain the certainty to be paid as soon as they release their goods and services while valuing the increased simplicity of e-money. New technologies stimulate innovation in payments, and contribute to the expectation for instant payments. 6

7 Definition of Instant Payments According to the ERPB (European Central Bank), instant payments are the closest substitute to cash : the transfer of money is immediate and available 24/7/365 When credit transfers or card payments are used, funds take up to one business day or more to be available on a beneficiary s account. The clearing process of instant payments is different as the processing, clearing and (potentially) settlement of payments take place on a transaction-bytransaction basis as soon as they reach a PSP system, i.e. in real time end-toend. 7

8 The STET s new Clearing platform A new paradigm Moving from a «closed user group» services model located in two datacenters (active/passive) built on a «Shared Memory» architecture based on an "asynchronous batch file processing solution... to a unified platform distributed over 3 datacenters (extensible), supporting all existing and future Clearing services : SEPA(EU), Card & Legacy Payments, Instant Payments based on a real time transaction-by-transaction processing solution FR BK1 FR BK2 FR BKn PSP1 PSP2 BE BK1 BE BK2 BE BKn Multi-Chanel, Multi-Actif Access S C T S D D I P S W B I L A T CORE2 Platform F r a u d T o k e n C H E Q U E C A R D L E G A C Y DC1 DC2 DCn 8

9 The STET s new Clearing platform Business requirements Process unitary payment/transaction Exactly-once transaction counting Increase transaction volume processing capacity Keep an historic of all processed events Enable replay capabilities Ensure maximal availability: 24/7, Hot deploy, no Reduce time to market Ready for future Value Added Services 9

10 The STET s new Clearing platform Key Architecture Concepts Event Sourcing / Message Driven Sharding Eventually (finally) Consistent Streaming Exactly-once Horizontal scalability & Cloud Multi-active Resiliency Infrastructure as Code & Continuous Delivery Shared Nothing Design 10

11 The STET s new Clearing platform : Building blocks STET re-designs its community platforms into a single-shared CSM with the latest technologies born in the bigdata ecosystem Apache ZooKeeper STET Any use or copy without STET authorisation are prohibited 11

12 Rest API Rest API The STET s new Clearing platform Software overview Events sources Msg Files Command Input Event Buffer Stream Processing RealTime Cluster A2A Queries and GUI Web Services HTML GUI API Synchronous Processing Output Event Buffer Analytics Cluster 12

13 Conclusion POC (to be convinced) We tested multi-dc capabilities of key middlewares with our strategic usecases Highest Level of Sponsorship (To be zen) CEO level is a musthave Test and measure Everything (To be sure) Continuous Delivery & Test/Deployment Automation is key (AWS helps ) Assess Decisions (To be clean) External eye is usefull to challenge decisions Internal Competencies (To make people happy) Training & hands-on Tech Blogs, Meetup Short Cycles with the Business Team (For DEV to understand Business For BizDev to value TECH) Agility to push or accept change Be assisted (To avoid wrong directions) Best of breeds consultancies & supports : DataStax, Confluent 13

14 THANK YOU