Retail Payments Strategy Overview

Transcription

1 Retail Payments Strategy Overview Jeffrey S. Hale Senior Vice President Retail Payments ACI WORLDWIDE INTERACTIVE RESPONSE SYSTEM Text in your questions: ACIExchange + your question to 22333

2 DISCUSSION ITEMS Key drivers Current product portfolio Product strategies Customer considerations Close

3 KEY MARKET AND CUSTOMER DRIVERS IN RETAIL PAYMENTS

4 KEY DRIVERS FOR CHANGE Business Margin pressures The drive for customer loyalty Fraud Mobile Customer service and access expectations Regulation and compliance EMV PCI Durbin SEPA The payments business continues to be increasingly relevant for banks and retailers, with many key drivers for change. Technology Open systems SOA-centric architectures Cloud computing Mobile

5 CURRENT RETAIL PAYMENTS PRODUCT PORTFOLIO

6 ACI RETAIL PAYMENTS SOLUTION PRE-S1 TRANSACTION CHANNELS ONLINE MOBILE BRANCH CALL CENTER EXTERNAL PAYMENT NETWORKS ATM POS

7 ACI RETAIL PAYMENTS SOLUTION POST-S1 TRANSACTION CHANNELS ONLINE MOBILE BRANCH CALL CENTER EXTERNAL PAYMENT NETWORKS ATM POS

8 ACI RETAIL PAYMENTS CUSTOMERS BY PRODUCT Online Payments BASE24-eps - 90 Postilion Realtime 375 Retail Commerce Server 45 ISD Commerce Gateway - 19 BASE Open/2 27 ON/2 25 OCM24-20 ASX 13 Back Office Issuer 9 Acquirer 4 Interchange - 34 Payments Manager 17 Postilion Office 180 Postilion Card Management- 160 Token Manager 3 Smart Chip Manager 24 Claims Manager 16 CMS 27 TRANS24 2 ACI has a broad portfolio of online payments and back office solutions.

9 BASE24-EPS CUSTOMER BREAKDOWN 90 CUSTOMERS HAVE LICENSED BASE24-eps Live 50 In Project/licensed 40 MIGRATIONS/IMPLEMENTATIONS BASE24 Migrations 47 Other ACI Payment Engine Migrations 9 New Implementations 34 LICENSED CUSTOMERS BY PLATFORM IBM System z 6 IBM System p 24 HP Non-Stop 54 Sun 6 LICENSED CUSTOMERS BY CHANNEL EMEA 45 Americas 33 Asia-Pacific 12

10 PAYMENT INFRASTRUCTURE SOLUTIONS Retail Banking Wholesale Banking Fraud Payment Testing ASSET for BASE24/BASE24-eps ASSET for PRM Communication Services (ICE/ICE-XS) Communication Services (ICE/ICE-XS) Communication Services (ICE/ICE-XS) Payment Communications Web Access Services (WebGate) Web Access Services (WebGate) Web Access Services (WebGate) Enterprise Security Services (SafeTGate) Enterprise Security Services (SafeTGate) Enterprise Security Services (SafeTGate) High Availability GoldenGate GoldenGate Payment Service Management Prognosis for BASE24/BASE24-eps Postilion Prognosis for MTS Prognosis for PRM Mobile Channel Manager Mobile Channel Manager Mobile Alerting Mobile Mobile Alerting Mobile Alerting Token Manager for Mobile Token Manager for Mobile Mission-critical enabling infrastructure

11 RECENT PRODUCT DELIVERIES BASE24-eps Release 11.1 Card and Merchant Management Acquirer 3.9 Interchange 3.36 Postilion Realtime 5.4 Office 4.3 Card Retail Commerce Server Release PinComm Version Infrastructure Solutions Payment Services Mgmt for BASE24-eps 11.1, PRM 8.0 Asset support for new BASE24-eps interfaces ICE/XS enhancements (SOAP, TCP/IP) Ongoing active investment across the portfolio

12 RETAIL PAYMENTS PRODUCT STRATEGIES

13 STRATEGY FOR RETAIL PAYMENTS Offer integrated end-to-end solutions for retail payments Offer the most scalable, reliable, flexible solutions in the market Offer the broadest range of solutions, available globally Ensure solutions integration and quality Give customers environmental choice

14 EXECUTION PLAN FOR RETAIL PAYMENTS Employ a Dual-Product Market Strategy BASE24-eps for global banks and processors (Postilion for Africa) Postilion for global retailers (RCS for US and Mexico) Invest at Above-Markets Rates Features, infrastructure, extensibility, integration Create Clear Migration and Support Plans Migration enablement Structured support plans for products across the maturity spectrum Use Customer Input to Refine Plans Product Advisory Councils Early-stage use cases with specific customers

15 TARGETING POSTILION CORE TECHNOLOGY Emerging Africa Current Customers Mobile Payments Global Retailers Office

16 GLOBAL PAYMENT SOLUTIONS STRATEGY FRONT END Online, Mobile & Branch Banking Internet Shopping PAYMENTS PROCESSING CORE SYSTEMS Depository systems Mortgage & loans Compliance NETWORKS Global associations Regional networks MOBILE Enabling Mobile Payments & Mobile Wallets TOOLS FRONT END Online & Mobile Banking Trade PAYMENTS PROCESSING Middleware/Hub, Payment Services, Payments Processing for RTGS, ACH, SWIFT, Financial Messaging CORE SYSTEMS Systems of Record NETWORKS Global associations Regional networks

17 GLOBAL PAYMENT SOLUTIONS STRATEGY FRONT END Online, Mobile & Branch Banking Internet Shopping PAYMENTS PROCESSING CORE SYSTEMS Depository systems Mortgage & loans Compliance NETWORKS Global associations Regional networks MOBILE Enabling Mobile Payments & Mobile Wallets TOOLS FRONT END Online & Mobile Banking Trade PAYMENTS PROCESSING Middleware/Hub, Payment Services, Payments Processing for RTGS, ACH, SWIFT, Financial Messaging CORE SYSTEMS Systems of Record NETWORKS Global associations Regional networks

18 BASE24-eps: A Scalable, Extensible Global Payments Platform Tetris release More features More infrastructure Migration enablement Customer component Facilitates P2P, Mobile, ACH Software Development Kit SOA-enablement Easier extensibility Robust global feature set Scalable, open infrastructure Flexible scripting and configuration Extensible by customers Release 11.1 (Q112) More features More infrastructure Migration enablement

19 RETAILER SOLUTION BEST ASSETS COMBINED Single, integrated platform that forms the basis of a customer-centric retailing strategy. Leverage the critical interaction of payments as the foundation for growing profitably by driving new revenue, keeping more spend in store and reducing losses due to fraud and abuse. All available to license on-premise or as Software as a Service. Transaction Channels Consistent Shopping Experience Third Parties ECR Terminal Driving Authorisation Services Stored Value Cards Settlement Auto-Reconciliation Acquirers MOTO e-commerce Network Access Network Interfaces Proprietary Charge Commerce Gateway Monitoring And Alerts Transaction Queries Reports Active/active Third Party Process Telcos Network Access Mobile Fuel Web Consoles Configuration Management Point-to-point encryption Proactive Risk Manager High Availability Disaster Recovery Tokenisation Gift Card Providers Import / Export Files

20 MOBILE PAYMENTS P2P PAYPAL/ P2P ANYWHERE CREDIT, DEBIT, PREPAID, PAYPAL MOBILE BANKING MOBILE WALLET SOCIAL MEDIA

21 INTEGRATED FRAUD DETECTION AND PREVENTION ATM POS ONLINE MOBILE BANKING ACH & WIRE IVR CALL CENTER BRANCH ONLINE BANKING PAYMENTS PROCESSING & Browser security Entitlements Token management Multi-factor authentication Velocity monitoring Limit management Block checking CVV validation Certified Interoperability Sanctions filtering Limit management Dual control Permissions Third Party Vendors Analytics Alerting AML Governance Real-time Dashboards and Program Effectiveness Real-time Scoring Profiling Analytics Rules/ list management Alert management Case Management Dashboards Other Retail and Wholesale Payment Engines

22 KEY CUSTOMER CONSIDERATIONS

23 KEY CUSTOMER CONSIDERATIONS : PRODUCT AND CUSTOMER SUPPORT No end-of-life for missioncritical products Product support & customer options Migrate in full to the new solution Remain on the current solution Hybrid environments You make the choice

24 ENABLING CUSTOMER CHOICE Customer Migration Options Migrate to New Solution Above-market product investment Like-for-like investment protection Maturing deployment infrastructure Migration enablement tools Structured project processes Maturing services model Remain on Current Solution Commitment to no end of life Industry-standard maturity model Structured support process, including mandate support ESP for code-stream specific support Hybrid Environment 1+2, plus Bridging technologies Migration support

25 LOWERING THE BAR ON MIGRATION COST/TIME/RISK Lowering the migration bar through: Migration tools Migration programs (e.g. Networks First Services programs Better experience and use cases Cost Risk Time BASE24 (for example) Proven, robust, scalable, secure Single platform Customization via source code change BASE24-eps Open, flexible, modern technology Multi-platform support Customization via scripting and Software Development Kit Lower TCO & Faster time to market

26 CLOSING COMMENTS Tremendous activity in the payments market and at ACI let s share our experiences and team up to create winning strategies Please attend the detailed sessions and give us feedback Thanks for attending and enjoy the conference!

27 Thank You!

28 Disclaimer: *Product roadmaps are for informational purposes only and may not be incorporated into a contract or agreement. The development release and timing of future product releases remains at ACI s sole discretion. ACI is providing the following information in accordance with ACI's standard product communication policies. Any resulting features, functionality, and enhancements or timing of release of such features, functionality, and enhancements are at the sole discretion of ACI and may be modified without notice. All product roadmap or other similar information does not represent a commitment to deliver any material, code, or functionality, and should not be relied upon in making a purchasing decision.