payments cards and mobile consulting overview 2017 (sda, dda, cda) contactless & nfc + hce...

Payments Cards and Mobile Consulting Overview 2017

www.paymentscardsandmobile.com

A market intelligence platform for the future

of payments.

Publishing Research Consulting

Services


Consulting

Contents


Payments Cards and Mobile Consulting occupies a niche position in the market. We have been in business for more than 20 years and through our Publications,Research and Advisory divisions we have an exclusive overview of the market. We offer assistance with each stage of the business cycle, from setting strategic direction and executing effective

business and process change management to ensuring ongoing corporate performance and business success.

We believe that our clients own the process of delivering change. Our role is to provide specialist advice and guidance, business development support, and market intelligence services to facilitate this change.

We always put cost effectiveness and client needs first. Each assignment is directed and controlled by a Partner or Director of Payments Cards & Mobile Consulting to ensure quality control and hands-on management involvement.

As team players, our consultants work in close partnership with our clients, forming joint working groups and project teams to get the job done. We believe in a joint working approach to ensure effective transfer of knowledge to your staff.

About Us – Payment Industry Focus


PCM in partnershipIn order to better deliver our consulting services, PCM formed a strategic partnership with Accourt, the highly regarded Payments Industry Advisors.

Together we are a leading provider of independent advisory services to the payments industry worldwide, including financial services institutions, payments and technology providers, telecom operators, corporates, merchants, start-ups, trade associations and other affinity groups.

Our key focus is on developing and implementing strategies for our clients that directly improve operational performance, expand capabilities and enhance growth – by advancing the processes, knowledge and innovative practices in their organisations

Our style of deploying small, focused teams, led by industry experts, soon earned us a positive reputation in the marketplace; we expanded internationally shortly afterwards in 2002

Our clients now span the UK, Europe, the Americas, Middle East and Asia-Pacific

The local market knowledge and expertise of our consultants, combined with the “DNA of innovation” at the heart of our business, ensure the successful realisation of each project we lead for our clients.

Consulting


PCM supports clients on a wide range of initiatives integral to developing and implementing payment and transaction banking strategies and operations.

Typically, these initiatives support the design, development and implementation of business solutions and operations that transform the way in which payment and transaction services are created and delivered.

IP-led payments consultancy

P2P

(Person to Person)

B2C

(Business to Consumer)

B2B

(Business to Business)

G2C

(Government to Consumer)


Our Approach – Creating Value

Service PortfolioStrategy Consulting

Business Consulting

Business Development Services

Market Intelligence Services

Large Scale Research Projects

Project Management

Programme Management

Business Role in M&A Projects

RfI/RfP Process Management

Business ExpertiseCards and Payments

Internet Payments

Mobile Payments

Online/Mobile Banking

Issuer Services

Acquirer Services

Processing Services

ATM/POS Networks, Devices

Technology and Security

Client Segments ServicedFinancial Services Industry

Issuers (Banks, EMIs)

Acquirers

Processors

Payment Service Providers

Mobile Service Providers

Suppliers and Vendors

Private Equity Investors

Consulting Companies


Our Business Development Framework

Client’ Plans; Client’ Strategy;

Opportunities Client’ Business Framework

Management & Control

Service Organizationand Processes

Product and Service Portfolio, Channels

Product Processing Services

IT Technology, Security,End-to-End Infrastructure

ProductIssuing

Services

ProductAcquiringServices

Markets, Competitors;Products and Services;Trends, Best Practice

Proven Methods;Technologies (IT, SW);

RfP Processes

Products, Services,Business Model, NPV

Market Intelligence;Business Development;

Best Practise

Stra

tegy

Pro

cess

OBJECTIVES

IMPACTS

REQUIREMENTS

OPTIONS

DECISIONS

RECOMMENDATIONS


We Know Payments and the Industry

Card Products and Brands

Cards and Payments

Internet Payments

Mobile Payments

NFC

Online/Mobile Banking

Issuer Services

Acquirer Services

Processing Services

ATM Network and Devices

POS Network and Devices

Card Technologies

Payment Technologies

Payment Security

Card Schemes

Financial Service Industry

E-Money Institutions

Issuers

Acquirers

Processors

Payment Service Providers

Mobile Service Providers

ATM/POS Service Providers

Private Equity Investors

Consulting Companies

Regulators

What do we cover?


Debit Cards

– International Schemes – e. g. Maestro, Debit MasterCard, V PAY, VISA Debit, Electron

– Domestic Debit Schemes – e. g. bankaxept, BC/MC, Dankort, girocard, CB

Credit & Delayed Debit Cards

– MasterCard, VISA, AMEX, Diners Club, Discover, JCB, Chinese Union Pay

Prepaid Cards and e-Purses

Prepaid Products – issued by E-Money Institutions

Mobile Wallets, e-Wallets, Digital Wallets

Online Bank Transfers – e. g. iDEAL, Sofort, MyBank

Private Label Cards – Retailer Cards; Fleet Cards, Fuel Cards; card-based Loyalty Systems;

Cards and e-/m-Payments – Expertise

Selected Projects

Card product profitability – Analysis and enhancement

Chargeback management – ‘health checks’ and training

Co-branding partner selection, evaluation, programme implemented

‘Own Label’ private card payment programme development

Contactless EMV card/multi-function chip card, strategy implemented

Card product and card programme ‘health checks’

Credit scoring and credit bureau service development

Credit risk policy development and best-practice benchmarking


AcquiringAcquiring business strategies –

POS, Internet, Mobile

Merchant processing services and options

ATM/POS Network processing services and options

New Acquirer Services beyond cards

Issuing Issuer business strategies –

POS, Internet, Mobile

Cardholder and Subscriber processing services and options

Electronic banking / mobile banking – strategy development

and implementation

e-Banking / m-banking money transfers on the internet and

mobile

Internet and Mobile Secure e-payment / m-payment

service development

e-/m-Payment processing services and options

Project SupportSupply of specialist staff,

business experts

Interim management resources, contractors



Card Technology

Magnetic stripe

EMV (SDA, DDA, CDA)

Contactless & NFC + HCE

Virtual Cards and Digital Wallets

Secure Elements

ATM/POS Devices, e-/m-Points of

Interaction EFTPOS Devices, ATM

Devices, mini-POS Devices

Interfaces & Protocols – e. g. ISO 8583 and

dialects, EPAS, IFSF, ISO 20022

Integration of Online Shops, Mobile Apps

Payment Solutions and Systems

ATM/POS Network Processing Systems

Internet Payment & Mobile Payment Processing Systems

Acquirer Processing Systems

Issuer Processing Systems

Fraud Control & Fraud Prevention Systems



Security EMV security consulting

PCI PTS / PCI DSS consulting

PCI ‘health checks’ & pre-audit support

Certification projects – ATM/POS devices, chip cards and

host systems

Rules & Regulations Brand rules / Scheme rules

SEPA instruments – SCF, SCT, SDD, SCC, CSM

EC directives – e. g. PSD, EMD, AML, CRD

EC regulation – Cross-Border Regulation, SEPA end-date

regulation

Front-End and Back-End Solutions Host software application

design

RFI/RFP process management – selections of applications

RFI/RFP process management – selection of processors



Retail Banking & Payments – Expertise

Cards, Online Bank Transfers, Mobile Money Transfers

SEPA Credit Transfers (SCT) and SEPA Direct Debit (SDD)

Domestic Payment Systems, CSM Systems (formerly N/ACH)

Retail banking strategy – development and implementation

Card payment markets – sector analysis and strategy development

Payment card strategy development and business planning

Product and service portfolio – analysis, evaluation and enhancement

Developing turnkey product and marketing campaign solutions

Customer and product segmentation strategy and associated new service development

Lifestyle segmentation and service packaging

Service diversification and new sector entry

World-class product design, development, implementation and guiding management of credit, debit, charge, corporate and prepaid cards

Customer-based profitability analysis


Strategy Consulting

Market Intelligence

– Data Collection, Analysis, Evaluation, Assessments

– Regular Intelligence Estimates

Competition Monitoring

Detailed Market Reports, Company Profiles

Planning and definition of objectives

Aligning customer needs, strategic direction and corporate culture

New market entry research and business development strategy

Business diversification strategy development and assessment

Merger and acquisition selection, evaluation and due diligence studies

Joint venture and strategic alliance opportunities, selection and evaluation

Key performance indicators and executive scorecard development

Pricing analyses and profitability studies


Business Consulting




Project Management





Business Consulting

Business Models, Business Plan, Business Case

Business needs analysis

Operational ‘health-checks’ and business efficiency benchmarking

Vendor assessment and technology selection

RFI & RFP Bid Process Management - Development of coherent, comprehensive RFI and RFP documents

Performance Cockpits / Dashboards - Measurement and data visualization

Operational risk assessment

Effective risk management strategy and policy development

Operational management support

Business process re-engineering

Information and systems technology strategy development

Defining optimum processing options (outsourcing or ‘in-house’)

Ensuring optimum use of technology

Training Programme


Business Consulting




Project Management





Project & Programme Management

Business Requirements

Business Service Processes

Functional Specifications

Technical Specifications

Service Specifications

Project Management

- Change Management

- Implementation Projects

- Development Projects

RFI/RFP Bid Process Management

- Make or Buy

- Outsourcing of processing services

- Purchase of devices systems, solutions, applications


Business Consulting




Project Management





Due Diligence Support Services We have worked for private equity investors and for strategic investors

We act as Business Advisors in M&A selling teams of strategic investors

– Software house (CH) – RFI/RFP Bid Process Management for owners

We act as Business Advisors in M&A buying teams of strategic investors

– Card Processor (US) – Business advisor in both TDD and CDD phases, new value proposition for opportunity

Technical Due Diligence Services

- Card Processor (A), Payment Service Provider (B), Acquirer (D), 2x Acquirer (A), Bank Group (A/CEE)

Commercial Due Diligence Services – business role

- Card Processor (A), Payment Service Provider (B), Acquirer (D), Acquirer (A), Bank Group (A/CEE)

M&A Opportunity Detection and Evaluation – multi-country environment- International Bank – Business advisor in both TDD and CDD phase, set up of regional acquiring businesses

M&A Process Support – Expertise


Alex RolfeManaging Director

Payments Cards and Mobile

[email protected]

+44 7765 892 664

Horst FoersterHead of Research

Payments Cards and Mobile

[email protected]

+49 175 205 8251

Wendy SandersHead of Business

DevelopmentPayments Cards and Mobile

[email protected]

+44 1263 711801

Contact


payments cards and mobile consulting overview 2017 (sda, dda, cda) contactless & nfc + hce...

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