2. Agenda
Â
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DiďŹerent
 payment
 types
Â
Typical
 business
 model
 in
 retail
 Pay
 ďŹow
Â
Digital
 pla;orm
 opportunity
Â
DiďŹerent
 medium/channel
 in
 Digital
 pla;orm
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Key
 focus
 in
 banking
 payment
Â
Â
Key
 regulatory
 standards
Â
Â
Risk
 consideraBon
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Challenges
Â
Â
What
 Next
 :
 What
 business
 is
 looking
 for
 ?
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3. DiďŹerent
 payment
 types
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â˘âŻ
â˘âŻ
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â˘âŻ
â˘âŻ
Cash
Â
Cheque**
Â
Debit
 Card
Â
Direct
 Debit
Â
Standing
 Order
Â
Online/Phone
 Payment
Â
Chaps*
Â
Prepaid
 Card
Â
*CHAPS:
 £25-Ââ30
Â
**Cheque
 Clearing
 :
 2-Ââ3
 Days
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4. DiďŹerent
 Way
 payment
 Service
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â˘âŻ
â˘âŻ
â˘âŻ
â˘âŻ
â˘âŻ
CardNet,
Â
Â
Bulk
 Payment,
Â
Â
TeleDebit
Â
Faster
 Payments
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Ceridian
 SME
 Managed
 Payroll
 Service
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InternaBonal
 Payment
Â
BACS
 Credits
Â
Â
CHAPS
 Payments
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6. Digital
 Payment
 Opportunity
Â
Global
 non-Ââcash
 payments
 expected
 to
 top
 333
Â
billion,
 says
 World
 Payments
 Report
 2013
Â
200
Â
180
Â
160
Â
140
Â
120
Â
Number
 of
 TranscaBon
Â
(Billion)
Â
100
Â
2020
Â
Debit
 Card
Â
 (%)
Â
Retail
 PoporsiBon
 (%)
Â
80
Â
Credit
 Card
Â
 (%)
Â
2015
Â
60
Â
AlternaBve
 Method
Â
Â
(%)
Â
40
Â
20
Â
2013
Â
0
Â
2013
Â
2015
Â
2020
Â
0
Â
20
Â
40
Â
60
Â
7. DiďŹerent
 medium
 In
 Digital
 Payment
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â˘âŻ
â˘âŻ
â˘âŻ
Online
 Banking
Â
eWallet
Â
Mobile
 Payment
 App
Â
Mobile
 Payment
 -Ââ
 NFC
Â
Retail
 :
 Wirelesses
 Payment,
 NFC
Â
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8. Key
 focus
 :Banking
 payment
Â
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â˘âŻ Consumer
 Payment
 :
Â
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 AnalyBcs,
 Social
 Business
 Payment,
 PSP,
 PG,
 Mobile
 Payment
Â
Â
â˘âŻ Commercial
 Payment
 :
Â
Â
â˘âŻ
Make
 ProďŹtable
 ,
 standardize
 and
 modernize
 transacBon
 processing
 ,
 reduce
Â
complexity
 and
 cost
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â˘âŻ Risk
 and
 Compliance
Â
Â
â˘âŻ
GlobalizaBon,
 DeregulaBon,
 SophisBcated
 technology,
 Regulatory
 compliance,
Â
Customer
 abuse,
 Fraud
Â
Â
â˘âŻ Payment
 and
 TransacQon
 plaRorm
Â
Â
â˘âŻ
Manage
 complexity
 through
 integraBon
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9. Key
 regulatory
 standards
Â
Â
Â
SWIFT
 MT-ÂâMX,
 ISO
 20022,
 FpML,
 FIX
 and
 SEPA.
Â
Risks
Â
Â
Â
Market
 Risk,
 Business
 Risk,
 Credit
 Risk
 â
 Horizontally
Â
Enterprise
 Risk
Â
 -Ââ
Â
 VerBcally
Â
Â
Â
Â
10. Challenge
Â
Â
â˘âŻ Data
 Beaches
Â
Â
â˘âŻ Too
 many
 regulatory
 :
Â
 country/Region
Â
speciďŹc
 regulatory
 and
Â
 Compliance
Â
Â
â˘âŻ Security
Â
â˘âŻ Deadlines
Â
Â
â˘âŻ Interchange
 fees
 :
 0.2%
 DC,
 0.3
 %
 CC
Â
11. What
 Next
 :What
 business
 is
 looking
 ?
Â
â˘âŻ CEO
 :
 New
 Business
 Model,
 More
 ProďŹtable
 &
 high
 Customer
Â
saBsfacBon
Â
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â˘âŻ
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CMO
 :
 GTM
 ,
 Get
 advantage
 from
 Big
 Data
 &
 Social
 Media
 IntegraBon
Â
Â
CIO
 :
 Agile,
 Security,
 Business
 TransformaBon,
 GRC
Â
 &
 CollaboraBon
Â
CTO:
 Simple
 Design,
 Architecture
 &
 Governance
Â
CHO
 :
 Talent,
 InnovaBon,
 Aitude,
 Willing
 to
 Learn
 &
 Leadership
Â
 ADB
 :
 Highly
 scalable,
 Reliable,
 Resilience,
 Secure,
 Support
 High
Â
Volume
 TransacBon
Â
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