Payments Roadmaps: Lessons from Australia s New Payments Platform
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1 Payments Roadmaps: Lessons from Australia s New Payments Platform Chris Hamilton Chief Executive Officer Australian Payments Clearing Association 14 th Annual Chicago Payments Symposium 2014
2 2 Disclaimer Please note that any views expressed in this presentation are the personal views of the speaker and do not necessarily represent the views of APCA, the New Payments Platform Steering Committee or individual payment system participants.
3 How do networked competitors build new shared infrastructure? 3 issues: 1. Who has to engage? 2. What is the burning platform? 3. What are the key tactical requirements?
4 Australian payments: the 50-cent tour Transactions per capita, Electronic Russia Germany Netherlands Sweden South Africa Brazil Italy UK Korea Australia Share of electronic relative to cheque Mexico China India Singapore France Canada USA 45 Saudi Arabia Cheque 0 Debit and Credit Card transactions per capita 1 Source: McKinsey Global Payments Map, Revised and Updated by APCA using BIS data, December Debit & credit card transactions, excluding epurse and prepaid 2 Electronic consist of credit transfers and Direct (ACH) debits; for this purpose it excludes card transactions
5 Australian payments: the 50-cent tour Non-cash payments per capita Source: APCA, RBA
6 6 The trouble with network change. A critical mass for change is nearly everyone: Major players (funding, volume) Regulators (policy, approvals) New, small and alternative players (legitimacy) Operators (expertise, infrastructure)
7 NPP Participants 7
8 8 Ubiquitous networking: a game changer Own device Open platform automation Access to many alternative networks
9 Competition dynamics are changing rapidly 9
10 10 Porter s strategic responses 1. Operational effectiveness 2. Product innovation 3. Repositioning 4. Reshaping Competitive Collaborative
11 11 Pressures: regulatory demands market forces might not be sufficient to produce some types of innovation that are in the public interest [and] innovation is important to [the Board s regulatory] mandate Payments System Board, Reserve Bank of Australia, June 2012 The challenge for the industry is to provide a payment system for the future that combines the valued attributes of legacy payment methods with new technology.. The Federal Reserve Banks, September 2013
12 12 The target: fast, flexible, data-rich payments infrastructure
13 Overlays Users Integration/Ubiquity LOW Diversity/Contestability HIGH INSTANT MOBILE CAR SALES LAND AUCTION NPP (inc. central bank settlement) PENSION ROLLOVER etc Providers Infrastructure HIGH LOW
14 Legal Agreement Financial Institutions Business agreements between FIs and Overlay Services Membership RBA Fast Settlement Service NPP Australia Limited Mutual Structure Participant Rules Operational Agreement Overlay Services Service Contracts NPP Operator NPP Network NPP Switch NPP Addressing Service
15 15 Elements of basic infrastructure Ubiquitous open network Extensible message formats using ISO20022 global standard Fast ADI to ADI turnaround New platform, not a replacement Real-time value delivery through RBA
16 16 Overlay services key concepts Using the infrastructure, but commercially run Varied and potentially competitive Payment providers must belong to infrastructure, but can choose which overlays to use Extra tailored data to link payment with transaction Conditionality
17 Why do it this way? 17 Versatility Providers need to serve all, any time: p2p, consumer/retail, b2b, g2p and so on Speed In the era of the cloud, customer expectations are for real-time service. This must be built in. Data-richness As economic activity goes fully digital, the payment must be embedded in the transaction.
18 Level 2 - Phase Level 1 - Stage 18 Program status and next steps We are in the final stages of sourcing the vendors for the Basic Infrastructure and Initial Convenience Service provider Participants are now considering participation and connection options. The PMSO is focused on maintaining momentum into the next phase of the Program Design & Elaborate. Establish Execute Operate Dec 13 Sep 14 Feb 15 Dec 15 Dec 16 Mar 17 6 months 8 months 6 months 10 months 12 months 3 months TBA Define Source, Plan & Mobilise Design/ Elaborate Build/ Construct Internal Test Industry Test Implement /Onboard Aftercare Run We are here
19 19 Tactical Requirments the 5 C s Tickets to the game: Commitment For the long haul Cudgels Do nothing must look dangerous Carrots Is there a sustainable opportunity for profit? Execution: Champions Industry leaders must buy in Catalysts Who s doing the running around?
20 Bright ideas 2008 A layered system topology familiar?
21 Payments Roadmaps: Lessons from Australia s New Payments Platform Chris Hamilton Chief Executive Officer Australian Payments Clearing Association 14 th Annual Chicago Payments Symposium 2014
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