Upload
others
View
9
Download
0
Embed Size (px)
Citation preview
© Tieto Corporation
Public
Agenda• Background
• Update
• Siirto status
• Instant payments
• Our ecosystem Work Packages
• E-commerce
• Instore
• E-Receipt – TRECO
• Nordic co-op & harmonisation
• Next?
• Q&A
2
© Tieto Corporation
Public
WHY - We need strong ecosystem for consumer
payments developmentAll stakeholders are needed to make a good service for consumer
4
Payment
platforms
Banks
P2P
Personal Finance
Management (PFM)
PSP
Retailer
PISP
Autho-
rities
Service
provider
Ticketing
Nearfield
payments
eCommerce
Financing
Regulations
PSD2
Receiver register
(Siirto)
Realtime payments
(ARPP)
CardSCT inst
Merchant services
E-receipt
Stored value/time
Tieto Experience Hub
POS terminals
© Tieto Corporation
Public
Tieto Experience Hub
Core
Team
START-UP
RETAILER
TECHO-
NOLGY
PROVIDER
BANK
/ PSP
SERVICE
PROVIDER
XSolution
shaping
Cross-
industry
WS
Ideation
WS
Hackathon
Vol 1
ADVI-
SORY
BOARD
Gives the direction for
development
Many smaller meetings
lead to one cross
industry WSWSWS
WS
WS
Working group to
shape one area
solution
HOW - Set-up overview and way-of-working
© Tieto Corporation
Public
Public
WHAT - Next in our roadmap
Consumer
payments
In-store
payments
eCommerce
payments
E-receipt
We are following the Pan-European development:SEPA Instant Payments – SCT Inst AND national schemes
Experiences with Instant Payments – that’s why Tieto?
PesaLink launch in February
2017
2
Siirto launch in March 2017
Swish partnership in 2017
1
3 4
Connectivity service 2018
Consultancy
& ready services
& software for
Banks/PSPs
5
ENABLES DIFFERENT PAYMENT USE CASES
Person-to-person
Also from one bank to another,
one application/ wallet to another
E-commerce Retail
© Tieto Corporation
Confidential
Payment wallet examples
12
Open platform for multiple wallets Closed platforms
© Tieto Corporation
Confidential
Simple API hiding the complexity of the
instant payment infrastructure
13
Instant Payment API
INITIATEPAYMENT
STATUS
PAYMENT
REQUESTPROXY
LOOK-UP
INTRODUCTION
REQUEST
P2P MERCHANT PAY B2C B2B
Siirto
registry
Automatia
ARPP
Swish
registry
Bankgirot
BIR
Confidential
Confidential
Next in our roadmap for open ecosystem project
WP2 - In-store
payments
WP1 - eCommerce
payments
WP3 - E-receipt
We are following the Pan-European development:- SEPA Instant Payments – SCT Inst AND national schemes
- SWISH, VIPPS, Mobile Pay
- Other Nordic initiatives
Q1-2 / 201803 / 2017
P2P Launch
06 / 2017
E-commerce
In platform
Q4 / 2018
Specs
Q3-4 / 2018
Pilot / PoCRTECO
Rulebook
Pilots /
PoC
Q3 / 2018
Confidential
Confidential
E-Commerce
WP1 - eCommerce
payments
03 / 2017
P2P Launch
06 / 2017
E-commerce
In platform
Confidential
© Tieto Corporation
Confidential
Siirto eCommerce – payment request
Tieto Experience Hub
Confidential
© Tieto Corporation
Confidential
Siirto eCommerce – payment request approved
Tieto Experience Hub
© Tieto Corporation
Public
Public
In-store
WP2 - In-store
payments
Q1-2 / 2018
Specs
Q3-4 / 2018
Pilot / PoC
Confidential
Next - in-store payments with Siirto
Traditional
POS
New generation
POS
Tieto Experience Hub
Study for Siirto completed with
initial recommendations.
First conceps implemented
for the need.
Confidential
Completed - in-store PoCs and Pilots
Tieto Experience Hub
Finland with Siirto Sweden with Swish
QR
BLE
pilot
BLE
pilot
QR
© Tieto Corporation
Confidential
Suggestion in May 2018 - Pilot in Finland?
25
Swish is currently in a prototyping phase of a
multi-vendor BLE payment terminal solution.
Initial pilots should begin early 2018.
What is the
interest to start
similar pilot in
Finland?
© Tieto Corporation
Confidential
Ajatus in-store ratkaisun mallista?
26
Keskitetysti Siirtoon
SDK-paketti, jonka
kautta tuki 3-4 BLE
ratkaisulle.
Näiden kautta
varmistetaan tuki
pääosalle
nykytoimijoista- Nets, Verifone, …
Sekä kuvattuna
ekosysteemin
yhteinen speksi
maksun flowsta.
Pilottitoteutukset
SDK Payment flow Pilotti
Otetaan opit SWISHillä tehdystä pilotista
© Tieto Corporation
Confidential
Introduction – Roles for common In-store paymentAll stakeholders are needed to make a good service for consumer
27
Payment
platforms
Banks
(AS-PSP)
PSP
Retailer
PISP
Autho-
rities
Service
provider
Tieto Experience Hub
Common Specs
+ rulebook
Investment on BLE
Technology in the stores
Package common
SDK Incl 3-4 BLE
drivers
Take Siirto SDK
In wallet app
Commit to common
flow specs + rulebook
Payment terminals
with BLE support and
service able to call
Automatia Siirto API
Need: Loyalty
schemes supported
in flow
QR as back-up ?
Payment
terminal
POS
PSP
SIirto
AS-PSP
PSP
AS-PSP
Payment
request
Provide
proxy
© Tieto Corporation
Confidential
Introduction – Roles & flow for common In-store specsEnd-to-end solution flow
28Tieto Experience Hub
Step 6 Approve
payment with Payment
request
Payment
terminal
POS
PSP
SIirto
AS-PSP
PSP
AS-PSP
Step 1. Provide
proxy
Step 3. Provide
IDs based on
proxy eg loyalty,
e-receipt delivery
address
Step 2 & 5
Facilitation &
routing
Step 4 Provide final
payment amount eg
based on loyalty ID
Step 7 Distribute e-
receipt to the delivery
address
© Tieto Corporation
Confidential
29
Initiating WS suggested 29/12 – the decision needed in the ecosystem if it’s time to put this forward?
Next?
Confidential
Confidential
E-receipt
& RTECO
WP3 - E-receipt
Q4 / 2018
RTECO
Rulebook
Pilots /
PoC
Q3 / 2018
Confidential
© Tieto Corporation
Confidential
Real Time Ecosystem - RTECO-hanke
31https://teknologiateollisuus.fi/fi/ekuitti-eroon-paperikuiteista
Confidential
© Tieto Corporation
Confidential
Common flows for In-store payment with e-receiptEnd-to-end solution flow
33Tieto Experience Hub
https://teknologiateollisuus.fi/sites/default/files/file_attachments/2018_ekuitti_eng_sisus_vedos_6_0.pdf
© Tieto Corporation
Public
Tieto Experience Hub
Value addes services - E-receipts pilotCard payment and providing e-receipt both as image for visualization and as structured data
(format: Finvoice) routed to automated book keeping
Payment and
e-receipt data
Routing for
visualisationValue of
structure data
PilotMarch
2017
Confidential
Nordic co-opWe are following the Pan-European development:
- SEPA Instant Payments – SCT Inst AND national schemes
- SWISH, VIPPS, Mobile Pay
- Other Nordic initiatives
© Tieto Corporation
Confidential
Swish – statistics in Sweden
37
Case Swedish Railway:
Only few days after launching Swish
as payment option for train tickets
1/3 of the customers have paid their
tickets with Swish app.
In less than 6 months 40% of all
payment in their digital channels is
done with Swish
Case Svenska Spel:
With Swish 20% less drop-out in
check out
https://www.getswish.se/sv-press/statistik/
© Tieto Corporation
Confidential
Some experience so far
40
E-commerce
Rapid growth and adoptation
by users in Sweden.
Over 60% conversions
in web-shops in 6 months.
Better user experience compared to
complexity by PCI/DSS and 3D security.
In-store
Very hard to beat card payment user
exeperience – especially contactless cards
and connect to loyalty schmes.
Or Apple Pay with high user activity.
BUT value can be found on new user flows
in different situations eg restaurants.
Source:
http://www.ehandel.se
© Tieto Corporation
Confidential
Harmonisation?
41
Specifications Technology
implementationsPlatforms
© Tieto Corporation
Confidential
Some speculation on P27?
43
Instant Payment API
INITIATEPAYMENT
STATUS
PAYMENT
REQUESTPROXY
LOOK-UP
INTRODUCTION
REQUEST
P2P MERCHANT PAY B2C B2B
Siirto
registry
Automatia
ARPP
Swish
registry
Bankgirot
BIR
© Tieto Corporation
Confidential
Payment applications on top of shared infrastructure or
on common specifications
45
Instant Payment API
INITIATEPAYMENT
STATUS
PAYMENT
REQUESTPROXY
LOOK-UP
INTRODUCTION
REQUEST
P2P MERCHANT PAY B2C B2B
PSP APP / API CORP APP / APIPAY APP
POST PRE
CORP APP / API
Scheduled …
E-comm Restau-rant
Store Ticketing
ERP
B2B e-comm
Purchase to pay
Order to cash
POST PRE
Instant
Salary…
RefundPayment
request
Confidential
Confidential
Next in our roadmap for open ecosystem project
WP2 - In-store
payments
WP1 - eCommerce
payments
WP3 - E-receipt
We are following the Pan-European development:- SEPA Instant Payments – SCT Inst AND national schemes
- SWISH, VIPPS, Mobile Pay
- Other Nordic initiatives
Q1-2 / 201803 / 2017
P2P Launch
06 / 2017
E-commerce
In platform
Q4 / 2018
Specs
Q3-4 / 2018
Pilot / PoCRTECO
Rulebook
Pilots /
PoC
Q3 / 2018