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MobilePay – Behind the scenes GOTO 2014 Jens Peter Hedegård, Trifork a/s, [email protected] Head of Mobile So@ware Development Peter Gregersen,Danske Bank, [email protected] Business Developer

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Page 1: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

MobilePay – Behind the scenes  GOTO  2014  

 Jens  Peter  Hedegård,  Trifork  a/s,  [email protected]  

Head  of  Mobile  So@ware  Development    

Peter  Gregersen,Danske  Bank,  [email protected]  Business  Developer    

Page 2: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

Agenda      

 Agenda      

About  MobilePay    

Technology  views  

CooperaJon  &  daily  work  

The  baLle  of  M-­‐payments    

Page 3: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

Send,  request  or    split  a  bill  

Available  for    everyone    

Sign-­‐up    takes  less    than  2  min.  

 A  simple  soluCon  for  making  payments  

Page 4: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

•  JPH:  sæLer  videoen  ind  

MobilePy_short.mp4  

Page 5: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

Historik  download  Project  history  and  scaling  

Time

P2P  app    launch  (DK)  7  May  2013  

MoblePay  Online  Rollout  

 2014  

P2P  app    Launch    (FI)  Dec  2013  

Small  scale    P2B  pilot  Oct  2013  

P2B  app    to  Merchants  Feb  2014  

1,6  m.  users  5  Bn.  DKK  in  total  transfers  

MobilePay  Online  Pilot  July  2014  

App  switch  POC    

June  2014  

FACTS:  

Page 6: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

MobilePay  anno  1970  

Page 7: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

?  

Technology  

Page 8: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

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Infrastructure

Service  Gateway  Mainframe  

Security

Cards  

Account  

Customer   json  /rest  Service  bus  

Payment  Service  Provider  

NoJficaJon  Server  

Page 9: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

MobilePay  

Group  Procurement  

Channel  management  

Products  &  Pricing  

Sales  &  MarkeJng  

Financial  infrastructure   Enterprise  

Architecture  

eBanking   FDI  

Payment  systems  

Group  Services   Business  Development  

Group  IT  

Cards  systems  

In2Media  

Card  operaJons  &  

Fraud  

Group  Accounts  

External  partners  

Support  organisaCons  

Customer  Direct  

Group  Legal  

Customer  &  Accounts  

DIBS  

Trifork  

DOCS  

While  the  product  was  simple  -­‐  the  project  was  quite  complex…  

Page 10: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

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How could this be a success?

Page 11: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

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How is Mobile Development different?

Page 12: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

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Mobile App Development – where to focus

Page 13: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

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MobilePay Agile Process

App  So@ware  team  MobilePay  IT    Core  team  

So@ware  Development  teams    

MobilePay  Business  RepresenJJves  

Fixed:  -­‐        Project  backlog  -­‐        Scrum  review  meeJng  14  days              *  Demo,  ClarificaJon,  prioriJzaJon                *  Core  team  +  App  developers  +  ad  hoc              *  Running  so@ware              *  Updated  scrumboard  /  backlog  -­‐  Daily  standups  –  Trifork  Dynamic:    -­‐  Everything  else  is  adjusted  to  fit  current    

project  status  and  challenges  

Page 14: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

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Prototype new features

Think  it  

Do  it  

Ship  it  

Tweak  it  

Agile development with backlog of prioritized tasks and short development cycles

Page 15: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

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Prototype new features

Page 16: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

CompeteCon  is  here  to  stay  

Page 17: MobilePay – Behind the scenes - GOTO Conferencegotocon.com/dl/goto-aar-2014/slides/JensPeterHedeg... · Send, requestor splitabill Available!for!! everyone Signup takes!less!! than2min.!Asimple!soluCon!for!making!payments

?    Peter  Gregersen,Danske  Bank,  [email protected]  

Jens  Peter  Hedegård,  Trifork  a/s  [email protected]