Transforming Payments – unleashing new business opportunities

Craig Jennings

Market trends: Technology

Changes in How

Technology Is Being

Developed and Deployed

Source: Wipro

Market trends: payment options

Changing Payments Options

ACHREAL-TIMEPAYMENTS

CARD SCHEMES

Mastercard Send™

CROSS BORDER/ CURRENCY

Many more payment schemes around

Source: Worldpay Global Payments Report

42%

18%

11%

9%

9%

8%

2%

1%

4%

62%

8%

8%

4%

10%

3%

1%

Debit Card

eWallet

Cash on Delivery

Bank Transfer

Charge Card

Credit Card

Pre-Paid

PrePay

eCommerce Payment Usage 2016

% of total spend

Russia ChinaSource: Worldpay Global Payments Report

Mobile Wallets 0%

5%

10%

15%

20%

25%

30%

% of card transactions that are contactless

So

urc

e: A

T K

ea

rne

y: W

hy

US

Ba

nk

s sh

ou

ld m

ake

co

nta

ctle

ss c

ard

s a

n i

mm

ed

iate

pri

ori

ty

Real-time Payments +

Open Banking impact Cards

Over time, banks and merchants expect to see card volumes put under pressure

by the combination of immediate payments and

open banking

73%

66%

76% 74%

83%

68%

78%

68%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

Retail banks Merchants

Please state your level of agreement with statement “The

combination of immediate payments and open bank APIs will

see the importance of payment cards reduce over time“

Americas Asia Europe Global

Source: 2018 Ovum Global Payments Insight Survey (report available here)

New World of

Payments

Market dynamics driving new expectations

Technology enabling new business practice

Authentic: NCR’s payments platform

Authentic: Powerful

Platform for Payments

A modern, flexible payments platform

Omni-ChannelConsistent business flow

orchestrationacross multiple channels

PaymentProcessing

Payment Orchestration & Messaging (Real-time,

Batch)

CHANNEL API’S: BUILD OMNI EXPERIENCES

SERVICE AGGREGATION TOOL KITH

IST

OR

ICA

L (

AT

M/P

OS

/eC

OM

/MO

BIL

E/O

LB

)

FA

ST

ER

PA

YM

EN

T S

CH

EM

ES

High Perf.Card/Txn

processing(Authentication, Authorization,

Processing, Switching)

Real-timePaymentsGateway

Faster PaymentsGateway & Switch

Authentic

Key Functions

For many types of organisation:

• Issuer• Acquirer• Bank or Processor• Payment Service Provider

(PSP)• Interbank network

AU

TH

EN

TIC

INTERBANK NETWORKSA N D N A T I O N A L S C H E M E S

FRAUD DETECTION • • •

A C Q U I R E

CARD MANAGEMENT

COREBANKING

A U T H O R I S E

S W I T C H / R O U T E

Example Customers

Innovation and Cost per

Transaction Reduction

CARD PLATFORM MODERN-IZATION

Faster Payments Gateway

AGGREGATOR SERVICE

Replacement of BASE24

350,000 POS, 9 billion txs/year

ACQUIRING & AUTHORIZATION

Manage ATM and all card transactions

PAYMENTS PLATFORM MIGRATION

Global network for card

processing

PAYMENTS PLATFORM

DISRUPTION

International Card Scheme

Re-platformingof legacy

infrastructure into payments

hub

PAYMENTS PLATFORM

CONVERGENCE

Top 10 US BANK

Thank you

Craig Jennings

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