QuiMultiBanca: an italian experience. Paolo Orsino ICT Manager, Competence Center POS & ATM (ICBPI Group) London, 23rd May 2012

Transcription

1 QuiMultiBanca: an italian experience Paolo Orsino ICT Manager, Competence Center POS & ATM (ICBPI Group) London, 23rd May 2012

2 AGENDA ICBPI GROUP AND QUIMULTIBANCA NETWORK KEY CLIENT ATM PROPOSAL THE SOFTWARE EVOLUTION 2

3 KEY CLIENT AND ICBPI GROUP The organization G O V E R N A N C E B U S I N E S S Payments and Security Services (2S) Electronic Money MARKET Regulatory procedures & consultancy Second level bank, leader in Italy in Payments, 2S and electronic money. ICBPI mission is to support italian banks with their Business growth and consolidation 3

4 KEY CLIENT AND ICBPI GROUP The organization of Electronic Money Services Marketing Sales Project Development Operations ICT Processing Help-desk Issuing Acquiring Issuing servicing Acquiring servicing POS, ATM, e_commerce mln trx/year (issuing+acquiring) 11 mln credit cards 24 mln debit cards (national/international) 600k merchants thereof 435k with POSs and 10k e_commerce 10k ATMs (Network QuiMultiBanca) 4

5 QUIMULTIBANCA NETWORK The network s assets QuiMultiBanca is a network of banks, associated with the common objective to share the same services on their ATM network. The Network offers constant innovation to improve service delivery to users, through two key drivers: economies resulting from the large number of ATMs division of investment among all the member banks The key to the success of the Network is to share the choices and values: QuiMultiBanca ensure equal services for all members, on all their ATM. QuiMultiBanca is the only network in opposition to the large banking groups, with an extensive national coverage. 5

6 QUIMULTIBANCA NETWORK Market share Italian market share Others 13% Intesa 21% QuiMultiBanca 25% BCC 12% MPS Group 10% Unicredit 19% 6 Elaborazione dati Key Client

7 QUIMULTIBANCA NETWORK Governance A Steering Committee is in charge for the Network Governance. The Steering Committee coordinates and mandates the banks decisions, promoting the innovations of the service. The Steering Committee of Quimultibanca Network consists of: 9 Members (expression of the Banks), 1 member of ICBPI, 1 member of Key Client, and 1 President. PRESIDENT CREVAL BANCO P. SERVICE PROVIDER ETRURIA VENETO UBI VICENZA BPM BPER SONDRIO 7

8 AGENDA ICBPI GROUP AND QUIMULTIBANCA NETWORK KEY CLIENT ATM PROPOSAL THE SOFTWARE EVOLUTION 8

9 KEY CLIENT ATM PROPOSAL QuiMultiBanca common services available for the Banks Most important common Services (as is): Balance Inquiry Transaction Inquiry Mobile Top Up Tax payment Other Payments for Public Administration Functions Inquiry, Payment, Marketing, Cash Advance Software Vendors Solutions Cash IN Cash OUT Kiosk Lobby TTW Models All models 9

10 KEY CLIENT ATM PROPOSAL Value chain ITEM Outsourcing Fleet Light Fleet Management Full Service PROCESSING NETWORK MONITORING HELP DESK SOFTWARE DISTRIBUTION HARDWARE RENTAL MAINTENANCE RISK & INSURANCE 10

11 AGENDA ICBPI GROUP AND QUIMULTIBANCA NETWORK KEY CLIENT ATM PROPOSAL THE SOFTWARE EVOLUTION 11

12 THE SOFTWARE EVOLUTION Current software: QuiMultiBanca 2 Drivers for the change: Out of date software architecture (FAT Client) ineffective software distribution inadequate solution to support the marketing function reduced incident detection capability High operating costs Impacts: Limited time to market Limited functionality improvement capability Service level not in line with banks expectation Running cost INCREASE FAT Client-Based solution 12

13 THE SOFTWARE EVOLUTION QuiMultiBanca PLUS Key Client bets on implementing a class leading web - based architecture in order to: Empowering the Customer Experience by giving profitable and secure elements Delivering a wide range of functionalities, customized on the customer s and bank s needs Providing the ability to manage the ATM in a multichannel environment, with successful results from a technical and marketing point of view Managing changes more easily & Reducing the Total Cost of Ownership Single Platform - Service-oriented architecture at the server level WWS from Auriga Light Client solution hardware indipendent 13

14 THE SOFTWARE EVOLUTION QuiMultiBanca PLUS Easy Integration with any Service Providers simplifying the introduction of new self service value added services. 14

15 THE SOFTWARE EVOLUTION QuiMultiBanca PLUS Enabling different channels to communicate and work together to improve the Customer experience as well as the Bank experience. Search for an efficient cross-channel banking technology to deliver constant (non stop access to banking services), continuous (customer could start a request on one channel and complete it on another), and coherent (reusable business logic) banking solutions. 15

16 THE SOFTWARE EVOLUTION QuiMultiBanca PLUS: Customer Profilability New advanced functions to improve the User Experience through One To One Marketing System, with or without CRM Integration. Campaigns to target customers based on BIN number Campaigns based on Account Type Geographical Campaigns Service based Campaigns Direct marketing to an individual Personalized Messaging 16

17 THE SOFTWARE EVOLUTION QuiMultiBanca PLUS: Key Benefits New advanced Functions: from current 58 up to 100 (traditional and untraditional Functions: Bank Transfer, Tax Payments, Cardless Withdrawal ) Flexible Architecture : ability to manage changes more easily Strong technical Management & Monitoring of the network Service Availability Reduction in overall cost of ownership QUIMULTIBANCA: THE SHORTEST DISTANCE BETWEEN THE BANK AND ITS DESIRE 17

18 QuiMultiBanca: an italian experience Have a look at QMBPlus at Auriga Demo corner Paolo Orsino ICT Manager, Competence Center POS & ATM (ICBPI Group) London, 23rd May 2012