Agenda Evento Worldline: Soluciones para Medios de Pago

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Agenda Evento Worldline: Soluciones para Medios de Pago
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Quiénes somos
Grupo Atos
Somos una compañía internacional con un posicionamiento estratégico
por todo el mundo
1.700
Norte & Suroeste de Europa
Dinamarca
Finlandia
Grecia
Italia
Suecia
Benelux
Suiza
Bélgica
Central & Este de Europa
Luxemburgo
Europa
Holanda
Austria
UK/Irlanda
Germany
Bulgaria
Croacia
Asia Pacífico
República Checa
Francia
Polonia
Rumania
Iberia
Rusia
Andorra
Serbia
Portugal
India, Middle
Eslovaquia
España
East and África Turquía
Egipto
India
Marruecos
Sudáfrica
Emiratos Árabes
8.300
3.800
Norte América
Canadá
USA
2.900
Latinoamérica
Argentina
Brasil
Chile
Colombia
México
9.700
4.800
10.000
14.850
5.550
8.600
3.800
Fuente: Atos Corporate Presentation 2013
Quiénes somos
Datos y cifras claves
5
Quiénes somos
Worldline, un ADN único
Atos ha escindido sus actividades de medios de pago y servicios transaccionales
creando Worldline, una nueva filial que reúne 40 años de experiencia en este
negocio bajo una sola marca, con un ADN único.
Nuestra visión
Revolución digital
●
Las transacciones por pagos
electrónicos están creciendo a
una velocidad sin precedentes
31.400
millones
de pagos
online
+20% anual
●
La rapidez en la adopción y el
uso de nuevos dispositivos jamás
ha sido tan dinámica
306.000
millones
de transacciones
globales sin uso
de efectivo
+7% anual
1.820
millones
de smartphones
●
El volumen de transacciones
generadas ofrecen gran cantidad
de datos y oportunidades
+100% para 2017
2,5
trillones
de bytes
generados
por día
241.000
millones de
dólares
en transacciones
móviles
+400% para 2015
El escenario digital cambia rápidamente, y se incrementan las expectativas de
los usuarios en:
●
●
●
Obtener experiencias enriquecedoras y con una relación más cercana
Mayor digitalización de los servicios prestados
Garantía de seguridad y privacidad de datos
El momento del pago es “el momento de verdad”
7
Qué ofrecemos
Un modelo de mercado vertical
Como catalizador del B2C, Worldline ofrece servicios digitales de negocio
y de medios pago a clientes de compañías e instituciones públicas
(Banca, Seguros, Telecomunicaciones, Media, Energía, Utilities, Sanidad, Distribución,
Industria, Transporte y Sector Público)
Qué ofrecemos
Servicios para la Distribución
Cifras clave*
● 568 millones de
transacciones de
pagos remotos
● 1000 terminales
puestos en
funcionamiento a
diario
* Worldline figures
La línea de negocio de “Servicios para los Comercios”
ofrece a todos los “retailers” una combinación única de
soluciones y capacidades, tanto en el front office como en el
back office, de forma que puedan ofrecer servicios de
pago de última generación, a través de cualquier
dispositivo – antes, durante y después del momento de la
venta.
Qué ofrecemos
Servicios de movilidad y transacciones electrónicas
Cifras clave*
● 190.000 millones de
visitas a páginas Web
● 1.000 millones de
documentos electrónicos
● 68 millones de buzones
de e-mail
● 2.200 millones de
llamadas (IVR y Contact
Centers)
● 3.000 millones de
SMS
* Worldline figures
La línea de negocio de “Servicios de movilidad y
transacciones electrónicas” combina la experiencia,
el software y los activos con procesos para una
transformación estratégica basada en servicios
digitales.
Qué ofrecemos
Procesamiento financiero
La línea de negocio de “Procesamiento financiero” ofrece
una respuesta concreta a cualquier banco o institución
financiera que desee ofrecer medios de pago o servicios con
marca propia para operaciones de pago sin efectivo, con
o sin tarjeta a través de una amplia línea de soluciones.
Cifras clave*
€
* Cifras de Worldline
● 2.200 millones de
transacciones de
adquirencia
● 51 millones
tarjetas de crédito
y débito
Qué ofrecemos
Financial Processing & Software Licensing
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Payment
trends
Trends of the payment landscape
Payment Market
Volume Growth
Payment Market
Structural
Transformation
Continuous increase of the
number of electronic
payment transactions
Industry consolidation,
business transformation,
process optimization
Growing 3x faster than
total consumer spending1
New players – PayPal, Alipay,
Google Checkout, Apple Pay,
Facebook, Twitter, Retailers &
MNOs
Sources: 1 Moody’s Analytics, Euromonitor International Merchant Segment Study 2012
16
Payment Market
Digital
Transformation
Consumer demand for
digital innovation
Banks and merchants
pushing new channel
evolution to secure
customer loyalty
New payment methods
and instruments
The payment market growth is accelerating
with a very strong development of alternative payment means
Payment
Methods
Non cash transactions in Europe
Billions
CAGR
Alternative
payment methods
Debit and
credit cards
Online Banking ePayments
(Credit transfers and
direct debits)
Sources : A.T. Kearney European payment market model – June
2013
17
The payment market growth is accelerating
with a very strong development of alternative payment means
Non cash transactions in Europe
M-Payment Transactions
Billions
Number of transactions (Bn)
Payment
Methods
CAGR
50
18%
40
Alternative
payment
15% methods
30
20
10
0
14%
11%
9%
6,4
2011
15,8
10
1,1
0,6
2012
2,2
2013
Debit and
credit
25,4cards
39,9
Online Banking ePayments
7
(Credit
3,8transfers and
direct debits)
2014F
2015F
Non-banksSourcesBanks
% non-bank/bank
: A.T. Kearney
European payment market model – June
2013
18
Source:
Capgemini World Payments Report 2014
Payment types in Latin America
Non-cash transactions in Latin
America
100%
7%
6%
29
30
80%
25
20
13%
90%
32,5
35
19
15
10
5
0
2008
2011
2012
▶ 2008 – 2012: 15% CAGR
▶ Continued increase in card payments
Payment types breakdown (%)
Number of non-cash transactions per year
(Bn)
Latin America growth trends
33%
70%
31%
40%
60%
14%
50%
14%
5%
40%
30%
42%
20%
46%
49%
2011
2012
10%
0%
2008
Cards
Source:
Capgamini World Payments Report 2014
19
Direct Debits
Credit Transfers
Cheques
The restructuring of the traditional payment
market generates opportunities
New pricing models
20
Greater
Consolidation
New Entrants
New entrants
Non-bank prepaid (Walmart)
21
The acceleration of new technology adoption
enables brand new digital businesses
Sources : 1:IDC – 2:Forrester– 3:MarketsandMarkets– 4:GSMA
22
Card Linked Offers
Card linked offers
Shared loyalty eco-system for targeted
promotions
Leveraging historical cardholder data to
delivery personalised offers
24
Card-linked offers in a nutshell
CARDHOLDERS
Selected offers
Transaction data
Issuers
Issuers
ISSUERS
CLO
Manager
Offers
MERCHANTS
& BRANDS
Benefits to all players
Merchants
& Brands
Customers
Virtual
Market
place
•
•
•
•
•
Receive cash back rewards
Simple, paperless
Personalized to customer profiles
Offers from broad Merchant base
Convenience of all promotions in one place
•
•
•
•
•
Increase Sales
Inclusiveness for large to small merchants
Informed promotional targeting
Access to large potential consumer population
No IT integration
•
•
•
•
New revenue stream
Increase customer spend on bank’s products
Increased customer loyalty
Synergies with wallet offerings and online
banking
Banks
Card linked offers
27
Mobile NFC
Payments
HCE impact
NFC Market
Potential and Growth Predictions
NFC handsets
NFC terminals
shipments
500
mil
3.9
mil
2018
Source: NFC Forum March 2014
35
bil
USD
14
mil
1 bil
2014
66% CAGR
2013-2017
29% CAGR
2012-2017
20% CAGR
2014-2017
NFC Payments
2013
5bil
USD
2017
Source: Berg Insight – Mobile Wallet Services
2013
2017
Source: Paymenteye – The Changing Face of
Mobile Payments
NFC Mobile Payment
Three main implemetations of Mobile NFC Payments
CPU
CPU
TSM
CPU
HCE
Server
NFC Mobile Payments
Secure Element Eco-System
SE Provider
TSM
Telco
Issuer
Handset provider
Payment
network
Merchant
Acquirer
Multiple
participants/
dependencies
Revenue impact
NFC Mobile Payments
Apple Pay
SE Provider
TSM
Telco
Issuer
Handset provider
Payment
network
Merchant
Acquirer
Simplification of
the eco-system
Revenue impact
NFC Mobile Payments
Host Card Emulation Eco-System
SE Provider
TSM
Telco
Issuer
Handset provider
Payment
network
Merchant
Acquirer
Easy to deploy
Device
Interoperability
Compact value
chain
Flexibility for VAS
Why NFC Mobile Payments with HCE?
Summary
▶
▶
▶
▶
▶
▶
▶
34
Fewer participants involved
Full Issuer control - integrate to Mobile Banking and Loyalty apps
Reduced setup complexity and cost
Less dependencies, faster speed to market
Inclusiveness – support for multiple phone vendors
No impact on existing NFC acceptance infrastructure
Supported by VISA, MasterCard and Amex
Online Banking
and e-Payments
Online Banking ePayments
What it is
Non-card payment method
Payment from consumer bank directly to
merchant bank account via Credit Transfer
Authenticated via issuer online banking
e/m Commerce
36
Simple experience for customer
E & M commerce
Simple experience for customer
E & M commerce
Check out
Simple experience for customer
E & M commerce
Check out
Simple experience for customer
E & M commerce
Check out
Simple experience for customer
E & M commerce
Check out
Transaction
accepted
Benefits
Security –
online
banking
42
Lower
fraud, less
backofffice
costs
(fraud and
disputes)
Low risk to
merchant
– pushpaid
directly
from issuer
via CT
Convenient
to payer –
via online
banking
Online Banking e Payments - iDEAL
Easy – user friendly - secure
iDEAL (The Netherlands)
► iDEAL is the most successful OBeP
scheme in Europe
► Over 139 Mio. transactions in 2012
► Over 170 Mio. Transactions in 2013
► iDEAL most successful internet
payment method with 55 % market
share of e/m commerce
► 93 % of online merchants offer iDEAL
as a paying method
► iDEAL is used by nearly 90 % of
online shopper at least once
Trends powered
by Worldline
Trends powered by Worldline
e/m Payments, Wallets, HCE
Video
Fraud Services & Solutions
▶
▶
▶
▶
▶
▶
Card Linked Offers
45
Online
Banking
ePayments
Data Analytics
Fraud detection
Rule life-cycle
Case management
Cardholder support
Merchant support
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Value from digital payments
dd-mm-yyyy
Agenda
▶ Worldline approach
▶ Evolution of payment platforms
▶ Worldline Pay
▶ Case studies – new services and operational efficiency
▶ Conclusions
Worldline
approach
dd-mm-yyyy
Worldline Core Competencies in Payments
Knowledge
Performance
Payments Expertise
High Availability
Deployments
Processing Experience
Operational Efficiency
Software Development and
IT Engineering
Innovation
Mobile Payments & HCE
Digital Wallets
Card Linked Offers
Efficient use of Hardware
Capacity for low TCO
Connected living
Continuous R&D & platform
renewal
Our Clients‘ needs
Issuers Card and Payment Instrument Issuers need to deliver diversity in their
product portfolios, ensuring constant availability and eliminating fraud
Acquirers
Acquirers need solutions for managing multi-channel networks (POS,
ATM, Kiosk, e-Commerce and m-Commerce). Security and reliability in switching,
authorization and fraud management are critical as well as providing a high availability
service.
Processors
Payment Service Providers must support a variety of international
and local payment schemes over multiple institutions, currencies and channels and
across different geographies, securely and reliably.
Fuel
Petrol Companies and Fleet Card Managers need solutions to centralize
cardholder authentication providing flexible configuration to control card usage
Retail
Large Retailers want to control cost by independently managing their own
acceptance networks and to integrate POS, Internet and Mobile payment channels,
often across multiple countries
High Availability - Security – Integration - Independence
How we deliver
Dynamic Engagement
Worldline deployment offers
Application
Management
Hosting
Software
Licensing
Deployment at customer
site. Customization,
Integration and Remote
Maintenance.
System Management
Certified Data Centre
Facilities and qualified
IT staff.
Licensing model, full
ownership.
Business Process
Outsourcing
IT, Application and
Operational outsourcing
Operational Application
Management.
Application expertise.
No in-house expertise
required.
Tailored engagement
Hybrid combinations
Flexible deployment
Flexible Licensing Engagement
Value through
modularity
dd-mm-yyyy
Worldline Pay Integrated Payment Suite
Modularity and System Integration
Merchant Products and
Pricing
e/m
ATM
Switch
POS
Acquirer Fraud
Back-Office
Acquirer Dispute
Back-Office
Fraud
Detection
Transaction
Repository
Clearing
Authorisation
Merchant Account
Management
Issuing
Account
Management
Card
Management
Customer Data
Issuer Fraud
Back-Office
Issuer Dispute
Back-Office
Credit
Charge
Products &
Pricing
External Networks & Card Schemes
Acquiring
Debit
Prepaid
Strategic investments
Generating value with high ROI
High investment
New products
Replacement of legacy
Significant re-investments
Value-added services
Differentiation
Competitive pressure
Mobile Payments
eCommerce
Prepaid
Competitive
service level
Business strategy
Merchant Acquiring
Credit Cards
Merchant Acquiring
POS Management
Corporate Cards
Credit Card
ATM network
ATM Switch
Compliance
Debit Cards
Basic transaction set
Security
Investment
Call Centre
Dispute Management
Fraud Management
Core business
strategy
Basic banking
infrastructure
Strategic investments
Generating value with high ROI
High return
Value-added services
Differentiation
Competitive pressure
Prepaid
Competitive
service level
eCommerce
Mobile Payments
New add-on modules
Enhance legacy
Small, high ROI investments
Business strategy
Merchant Acquiring
Credit Cards
Merchant Acquiring
POS Management
Corporate Cards
Credit Card
ATM network
ATM Switch
Compliance
Debit Cards
Basic transaction set
Security
Investment
Call Centre
Dispute Management
Fraud Management
Core business
strategy
Basic banking
infrastructure
Improving operational efficency
While protecting investments
ATM network
Call Centre
Dispute Management
Fraud Management
High impact
Reduce operational costs
Improve service
Customer satisfaction - Growth impact
Merchant Acquiring
POS Management
Run costs
&
Cost of
change Value-added services
Differentiation
Competitive pressure
Debit Cards
Basic transaction set
Security
Prepaid
Mobile Payments
eCommerce
Investment
Credit Cards
Corporate Cards
ATM Switch
Compliance
Basic banking
infrastructure
Core business
strategy
Platform evolution with a modular approach
Grow
New transaction types
&
Save
Protect your investments
New payment instruments
Minimize upgrade risk
Speed to market
Minimize impact to
existing infra-structure
Remain competitive
Incremental efficiency
improvements
More transactions
Customer retention
Less cost per
transaction
Worldline Pay
dd-mm-yyyy
Worldline Pay Integrated Payment Suite
Functional overview and product suite
Acquiring
Online
Transaction
Processing
Issuing
ATM
Switching
Card Authorisation
MagStripe, EMV,
Contactless, Virtual
Self Service Terminal
Scheme
Compliance
Realtime Risk
Management
POS
Fraud Detection
STIP
Account Checks
e/m commerce
Reconciliation
Host Interface
SOA - Web-Services - Modular
Back-Office
Merchant Management
Card Issuance
(Debit, Prepaid,
Charge, Credit)
Clearing & Settlement
Clearing & Settlement
Dispute Lifecycle Management
Dispute Lifecycle Management
Fraud Case Management
Fraud Case Management
Worldline Pay Integrated Payment Suite
Functional overview and product suite
Acquiring
Issuing
Worldline Pay
Front-Office
Online
Transaction
Processing
ATM
Switching
Card Authorisation
MagStripe, EMV,
Contactless, Virtual
Self Service Terminal
Scheme
Compliance
Realtime Risk
Management
POS
Worldline Pay
Fraud Detection
Online Watcher
STIP
Account Checks
e/m commerce
Reconciliation
Host Interface
Worldline Pay
Acquirer Back-Office
Back-Office
SOA - Web-Services - Modular
Worldline Pay
Issuer Back-Office
Merchant Management
Card Issuance
(Debit, Prepaid,
Charge, Credit)
Clearing & Settlement
Clearing & Settlement
Dispute Lifecycle Management
Dispute Lifecycle Management
Fraud Case Management
Fraud Case Management
Worldline Pay Integrated Payment Suite
Key design principles
Modern Architecture
•
•
•
•
Open standards
Service Oriented Architecture (SOA)
Web-services catalogue
Web-based Graphical User Interface
Rules based engine
Modular design for efficient
integration
Extendable via SDK
Multi-Institution
Multi-Currency
Multi-Language
Multi-Country
Worldline Pay Integrated Payment Suite
Technology
Hardware
Operating
System
Database
Middleware
Introducing
new products
and services
with Worldline
Pay
dd-mm-yyyy
Prepaid Issuing
dd-mm-yyyy
Worldline Pay Integrated Payment Suite
Prepaid implementation
Merchant Products &
Pricing
e/m
ATM
Switch
POS
Acquirer Fraud
Back-Office
Acquirer Dispute
Back-Office
Fraud
Detection
Transaction
Repository
Clearing
Authorisation
Merchant Account
Management
Issuing
Account
Management
Card
Management
Customer Data
Issuer Fraud
Back-Office
Issuer Dispute
Back-Office
Credit
Charge
Products &
Pricing
External Networks & Card Schemes
Acquiring
Debit
Prepaid
Worldline Pay Prepaid core functionality
Account Loads and Controls
Prepaid Fees
Authorization Mark Ups
Interfaces (e.g., CBS, IVR, SMS)
Reporting
Prepaid deployment option 1
Full scope deployment
Worldline Pay
Prepaid
Scope
•
•
•
•
•
•
•
•
Acquiring
and
Switch
Card issuing
Issuing fees
Load controls
Validate card
Validate balance
Bal. adjustment
Mark ups
Usage controls
Postings/
reconciliation
Core banking system
Transactions
Loads
Enquiries
Batch
Real-time
Call centre
Prepaid deployment option 2
Full prepaid CMS – accounting on core banking system
Worldline Pay
Prepaid
Scope
•
•
•
•
•
•
Acquiring
and
Switch
Card issuing
Issuing fees
Load controls
Validate card
Mark ups
Usage controls
Transactions
Postings/
reconciliation
Core banking system
Transactions
Account data
Balances/loads
Enquiries
Batch
Real-time
Call centre
Prepaid deployment option 3
Minimum deployment − authorisation core only
Worldline Pay
Prepaid
Card data
Scope
Card management
system
• Validate card
• Mark ups
• Usage controls
Transactions
Acquiring
and
Switch
Postings/
reconciliation
Core banking system
Transactions
Account data
Balances/loads
Enquiries
Batch
Real-time
Call centre
Worldline Pay Prepaid
Benefits of Worldline modular approach
Multiple integration options to adapt to the specific
requirements and needs
Add value to existing assets to delivery new services
in a cost effective way
Minimize change to existing environment by the
introduction of new stand-alone loosely coupled
services
NFC Mobile
Payments
dd-mm-yyyy
Worldline Pay Integrated Payment Suite
HCE Mobile Payments implementation
Merchant Products &
Pricing
e/m
ATM
Switch
POS
Acquirer Fraud
Back-Office
Acquirer Dispute
Back-Office
Fraud
Detection
Transaction
Repository
Clearing
Authorisation
Merchant Account
Management
Issuing
Account
Management
Card
Management
Customer Data
Issuer Fraud
Back-Office
Issuer Dispute
Back-Office
Credit
Charge
Products &
Pricing
External Networks & Card Schemes
Acquiring
Debit
Prepaid
Worldline HCE Mobile Payments
Solution Overview
Merchant
WL Mobile Payment Application
Worldline HCE Mobile
Payment Application
NFC Payment
Authorization message
Worldline HCE Server
Mobile Payment Server
Payment Data Factory
Authentication Switch
Tokenizer
Card Management &
Authorization
Acquirer
Payment
Networks
Issuer
•
•
•
•
White label
Branding
Integrate to existing Issuer apps
Security and authentication features
WL HCE Server
Mobile Payment Server
• Secure User and App Auth
• EMV Cryptogram verification
• Provisioning of Payment credentials
Payment Data Factory
• Card data management
• Security data provisioning
Authentication Switch
• Optional for licensing
• If needed, use WLP FO
Tokenizer
• Optional module
Worldline HCE Mobile Payments
Integration
Mobile
App
Mobile
Payments
Server
Payment
Data
Factory
1. Card data load file
2. Encryption key load
3. Webservice
Switch
▶
Impacts to existing systems
–
Existing Switch to switch-out HCE transactions
–
Existing Authorisation Engine to ignore EMV
validation but perform all other checks
Card
Management
System
Core Banking
System
Authorisation
Engine
Worldline Pay NFC Mobile Payments
Benefits of Worldline modular approach
Deliver cutting edge functionality for NFC Mobile Payments
Built on proven technology for Trusted Authentication of Mobile Phone
payment applications
Standard industry contactless technology allows the use of existing
components for card management, clearing and dispute processing
Minimize change to existing environment by the introduction of new
stand-alone loosely coupled services
Operational
excellence with
Worldline Pay
dd-mm-yyyy
Worldline Pay Integrated Payment Suite
Fraud and Dispute Back-Office
Merchant Products &
Pricing
e/m
ATM
Switch
POS
Acquirer Fraud
Back-Office
Acquirer Dispute
Back-Office
Fraud
Detection
Transaction
Repository
Clearing
Authorisation
Merchant Account
Management
Issuing
Account
Management
Card
Management
Customer Data
Issuer Fraud
Back-Office
Issuer Dispute
Back-Office
Credit
Charge
Products &
Pricing
External Networks & Card Schemes
Acquiring
Debit
Prepaid
Fraud Implications to an Organization
Fighting Fraud can be Expensive
Costly
Back-Office
Customer
Dissatisfaction
Direct fraud
losses through
lack of real-time
detection
Poor
Management
Information
Lost Revenues, Poor Management Control
Customer attrition
Worldline Pay Fraud and Dispute Back-Office
Fraud Case Management - Highlights
from WLP Online Watcher
or other Fraud detection systems
or manually created by fraud analyst from suspicious transaction
or from the Dispute module
or from the transaction processing module
Receive alerts
•
•
•
•
•
Investigate
•
•
•
•
•
Create fraud cases
Consult card, cardholder, account and transactional details
Keep audit-trace of user actions
Case re-assignment and journaling
Calculate potential exposure
Take Action
•
•
•
•
•
Decide
Send Fraud Advice to Card Schemes
Block Card
Post to account
Inform stakeholders
Worldline Pay Fraud and Dispute Back-Office
Integration
Call
Centre
Card
Management
Customer
Relationship
Bank
Host
External systems
Txns
Real-time Fraud
Detection
100% coverage
Detect
Alert/Notify
Fraud Case
Management
Detect
Investigate
Take action
Dispute
Management
Process
Comply with schemes
Clearing
Exchange
Base II
IPM
Worldline Pay Fraud and Dispute Back-Office
Standard web-services catalogue
Call
Centre
Card
Management
Customer
Relationship
Bank
Host
Schemes
Real-time
Fraud
Detection
Sample
Web-services
Fraud Case
Management
Detect
Investigate
Take action
Dispute
Management
Process
Comply with
schemes
Clearing
Exchange
Base II
IPM
Worldline Pay Fraud and Dispute Back-Office
Fraud Case Management - Workflow
Call
Centre
Card
Management
Customer
Relationship
Bank
Host
External
systems
Txns
Fraud rules
trigger alert
Real-time Fraud
Detection
83
Case
investigation
Make
decision
Fraud case
creation
If Fraud
is
confirmed
take
actions:
Action:
Block
card
Action:
Update
Bank
System
Fraud Case
Management
Worldline or external solutions
Action:
Send
Fraud
Advice to
Scheme
Dispute
Management
Worldline Pay Fraud and Dispute Back-Office
Dispute Management - Workflow
Call
Centre
Card
Management
Customer
Relationship
Bank
Host
External
systems
Cardholder
incident
Fraud
Case
Management
Cardholder
reports
exception
May
declare
fraud
Dispute
folder
creation
Post to
cardholder
account
Process
dispute
cycle
Gather
information
Issue
dispute
message
(e.g. copy
request)
Dispute
Management
84
Worldline or external solutions
Clearing
Worldline Pay Fraud and Dispute Back-office
GUI examples – view Fraud alerts
Retrieve and display information
Integration with other WLP Back-office modules
Card details
Retrieve and display information
Integration with other WLP Back-office modules
Card details
Cardholder details
Retrieve and display information
Integration with other WLP Back-office modules
Card details
Account details
Cardholder details
Retrieve and display information
Integration with other WLP Back-office modules
Card details
Account details
Cardholder details
Transaction details
Worldline Pay Fraud and Dispute Back-Office
Benefits to Stakeholders
Benefits to Cardholders and Merchants
– Access to accurate information
– Faster resolution of fraud cases
– Increased satisfaction
Benefits to Financial Institutions and Processors
– Operational efficiency and costs savings
– Full MIS view of exposure
– Accurate lifecycle management reporting
– Better customer service
– Enhanced ability to preempt fraud
– Cost effective fraud management
Conclusions
dd-mm-yyyy
Worldline
Vertical solution provider for the payment industry
Channels
Core Payment Engine
Cards
Online Transaction
Processing
Acquiring
Life-cycle Management
Cards
Routing
ATM
SVA
POS
Authorization & Authentication
Compliance
Financial Entities
Payment Programmes
SVA
Payment Products
Security
Internet
Mobile
Direct Debit
Direct Debit
Back-Office
Credit
Transfer
Risk and Fraud Management
Credit
Transfer
Clearing & Settlement
Online Banking
Merchants
Customer & Contracts
Payment Instruments
Exception Handling
Bill Pay
Archive and Data Analytics
Bill Pay
eMandates
Platform evolution with Worldline Pay
Modular, SOA approach
Clearly define
business
requirements
Analyse
costly
operational
activities
+
Detailed
impact
analysis on
existing
infrastructure
+
Detailed
impact
analysis on
existing
infrastructure
+
Extend
functionality
through
integration
+
Optimize
through
digitisation
and
integration
=
New Services,
Increase
revenue
&
Protect
investments
=
Better
Services,
Cost savings
&
Protect
investments
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Misión Crítica
en
Medios de Pago
Misión Crítica en Medio de Pagos
18
AÑOS
EXPERIENCIA
en
MISION
CRITICA
•
•
•
•
Productos
Soluciones
Soporte
Servicios
Misión Crítica en Medio de Pagos
No perder ninguna transacción
Misión Crítica en Medio de Pagos
No perder ninguna transacción
No perder ninguna oportunidad
de negocio
Misión Crítica en Medio de Pagos
Soluciones que permitan implementar rápidamente los
requerimientos del negocio
Alta configurabilidad y bajo downtime
Misión Crítica en Medio de Pagos
Cada vez son más las áreas de negocio
consideradas de misión crítica
Baja el TCO para la implementación de
Misión Crítica
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Worldline HSM
Adyton
Worldline HSM Adyton hardware
High performance, design and compliance
An HSM is a hardware-based cryptographic device that generates, stores
and protects cryptographic keys and also provides hardware acceleration
for cryptographic operations. These devices support SCSI / IP
connectivity and provide public-key cryptography (PKI) high
performance is made within the hardware itself.
103
Worldline HSM Adyton hardware
Diferentiation
Industrial performance
Cost of ownership
Excellence in security
104
Performance
▶ Powerful cryptography processing
developed by Worldline
▶ Indicative performance figures (*)
▶ RSA 1024 Key Generation: 70/s
▶ RSA 1024 Private Key: 7.000/s
▶ TDES: 10.000/s
▶ AES: 10.000/s
(*) Measured outside ADYTON, incl. network access
▶ Two versions: “GOLD” – “SILVER”
▶ GOLD: 10.000 Transactions per
second
▶ SILVER: 5.000 Transactions per
second
105
Total cost of ownership
▶ High reliability and long life time
▶ Own design
▶ Quality
▶ High performance
▶ Less hardware needed
▶ Reduces cost of hardware
▶ Reduces cost of maintenance
▶ Reduces cost of exploitation (updates,
key ceremonies, …)
▶ No extra (management) devices due to
integrated user interface
▶ Less
hardware/maintenance/exploitation cost
▶ Easier installation and security
procedures
106
Security
▶ Compliant with FIPS 140-3 (draft) &
hardware PCI HSM
▶ FIPS 140-2 certification (#2029):
▶ Hardware security level: 4
▶ Overall security level: 3
▶ MEPS (CB - France) certification (#HSM00019)
▶ Tamper Evidence
▶ Tamper Responsiveness with immediate
secret key zeroisation
▶ Intrusion detection (chemical,
mechanical)
▶ Temperature attacks
▶ Voltage attacks
107
Key features
Worldline HSM Adyton hardware
Reliability
▶ User friendly interface
▶ No additional management console
due to integrated User Interfaces
▶ High quality colour display
▶ HEX keyboard (supporting text input)
▶ Chip card reader
▶ Finger print reader (FIPS 201)
▶ USB Host
▶ Guidance of the use through wizards
▶ Red Dot Design Award 2012
▶ iF Product Design Award 2012
109
Worldline HSM Adyton hardware
User centred design
▶ Designed and developed by Atos
Worldline, produced in Belgium
▶ Hardware
▶ High quality design
▶ No moving/rotating parts
▶ Dual gigabit LAN
▶ Dual hot swappable power supply
▶ Software
▶ Based on QNX® Neutrino® RTOS
▶ Based on standards (eg OpenSSL
Crypto Library)
110
Worldline HSM Adyton hardware
Secure
▶ Support of OpenSSL Crypto Library
▶ (T)DES
▶ AES
▶ SHA1, SHA2
▶ RSA (hardware)
▶ ECC (hardware)
▶ Random (hardware)
(*) FIPS Certified: AES, DRBG, HMAC, KBKDF, RSA, SHS
▶ User enrolment with three authentication
factors,
▶ Password (“what you know”)
▶ Chip card (“what you have”)
▶ Fingerprint (“who you are”)
▶ Two-factor authentication (FIPS 140-3
compliant)
111
HSM
certifications
Worldline HSM Adyton hardware
Certifications
FIPS
MEPS
Typical
Applications
Worldline HSM Adyton hardware
Typical Applications
– Cardholder PIN code generation
– Card key generation (e.g. EMV)
– Encrypt data towards the card
personalization
– Card verification value (CVV)
– PIN Handling (encrypt, decrypt)
– Cash withdrawal
– OTA platform
– Mobile Wallet
– Document Signing
115
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Impulsando
transacciones
desde canales
emergentes
Innovación y Pagos Móviles
Tendencias de mercado
En la tienda
El móvil ha entrado en el mundo de los medios de
pago como un componente versátil, que puede
ejercer como terminal o medio de pago
Convergencia de canales + Integración de servicios
=
Mejora de experiencia de usuario
Mobile Payment
with Cloud Wallet
BLE
HCE
Omni-canal
On-line
“I think that cash was Money 1.0, Plastic was Money 2.0,
(...) and then there’s Money 3.0, mobile.
And all of these things will converge to mobile.”
David Marcus – CEO PayPal, January 2014
Nuevos métodos de pago
El ecosistema de pago móvil
Un wallet es un vínculo entre un identificativo del cliente (teléfono, e-mail,
etc.) y un medio de pago
Presencial
Virtual (no presencial)
Modo
Pago móvil NFC
Pago móvil Cloud
QR
Bluetooth
Tecnología
Sistema abierto
Operativa
Sistema propio
Worldline Cloud Wallet
Wallet platform offer
Platforma Worldline cloud wallet
Componentes existentes
Principales componentes funcionales
Componentes Worldline con posible
integración con cloud wallet
Banks IS
Usuario
wallet App
Usuario
banking App
SDK
SDK
Online Banking
inter-banking
wallet
directory
WL Cloud Wallet - Servicios Core
WEB BO
Reporting,
Analytics
Rights Mgmt
Batch Provisioning
Authentication
login/PWD
OTP SMS
Trusted Authent
Comercio
/ PSP
Comercio
App
PoS
terminal
API
SDK
SDK
On line
Provisioning
User & wallet mgmt
Transaction Mgr
credentials
repository
users cards,
Accounts,
Expedition address
(Other modules)
3DS
Access
Control
Server
Loyalty
(Wallet
Linked
Offers)
ACS
CLO
fraud
scoring
engine
Online
Watcher
(…)
Worldline puede adaptarse a diferentes alcances
(wallet para emisor + directorio + API para comercios)
•
•
Stand alone
•
Hacerlo con
otros bancos
•
•
Trabajar con un
socio que facilite
el ecosistema,
como un
esquema
•
Construir un wallet con las
especificaciones del esquema
Incorporar usuarios
•
Control de toda la cadena de
valor de medio de pago
•
Control de toda la cadena de
valor de medio de pago
Las inversiones se comparten
Mejor huella
•
•
•
•
Los socios/esquemas
desarrollan la red de aceptación
(e-merchants & IPG partners)
Time to market
Riesgo
•
•
Construir un wallet
Construir o ayudar a crear
una red de aceptación
(e-merchants & IPG partners)
Incorporar e-merchants &
usuarios
Construir un wallet
Construir o ayudar a crear una
red de aceptación
(e-merchants & IPG partners)
Incorporar e-merchants &
usuarios
Innovación
NFC Mobile Payments (HCE)
NFC Mobile Payments
Tres implementaciones de pagos NFC
CPU
CPU
TSM
CPU
HCE
Server
NFC Proximity eco-system
HCE vs TSM (solución de mercado más difundida, hasta ahora)
HCE como medio de pago ofrece un ecosistema simplificado, costos
potencialmente menores y una mayor flexibilidad para dar servicios de
valor agregado
SE Provider
TSM
No se
requieren
cambios
por debajo
de la línea
de puntos
Telco
Issuer
Handset provider
Payment
network
Merchant
Acquirer
NFC Mobile Payments Pilot for issuers
We chose the most relevant functionalities
Pilot
Scope
 Limited number of cards/users (300 max)
 Compatible with any merchant accepting
Paywave (waiver for pilot)
 Available on Android 4.4 smartphones
Description
Software and Hardware
 POS terminal for test (WL
internal testing)
During the pilot, we will test:
 Ability to emulate card data into a cloud server (card provisioning &
signature)
 Test the performance parameters of a contactless TAP-PIN-TAP
transaction
 Validate the consumer experience
 Validate the security & operational process for specific issuer
Out of scope
 iPhone, Windows Phones & Blackberry & IOS
 Enhanced features for mobile application: GUI, settings & integration
with issuers mobile app
 EMV magstripe
 Paypass transactions
•
Requirements
for Issuers
•
•
Provide card profile & security •
keys
Branding requirements for app •
Provide an existing or new BIN
Configure and load new keys
(in case of a new BIN)
M-pin chose by Bank or user ?
 Recruit Consumers with Mobile
devices with Android 4.4
 Free WIFI network in-store or
good 3G / 4G network
 Mobile app loaded into Worldline
website via App Gardening
Expected Benefits
Construct a positive business model
1 for NFC mobile payments
Improve
2 experience
security
and
customer
3 Shorter time to market for rolling out
Piloto Worldline: “Mobile NFC Transactions”
Beneficios
La prueba de concepto ganó el "premio de seguridad" en el
Pay Forum France (marzo de 2014)
SEGURIDAD
MODULARIDAD
El piloto incluirá
Extensión de módulos
implementados de e-commerce
únicamente
Interoperatividad probada
funcionalidades de
seguridad en función de
la tecnología disponible
hoy en día
COMPLIANCE
La solución se hará de
acuerdo con las
especificaciones de VISA
El Piloto recibirá la
excepción de Visa
(waiver)
Facilita la convergencia entre
pagos remotos y de proximidad
(ej: Merchant
Cloud Wallet)
DIFERENCIADORES
Mínima integración e
interferencia con los
sistemas emisores
Inversiones y gastos de
operación menores
Amplia experiencia en
pagos y autenticación
1
Daniel selecciona sus conciertos del festival en la app
móvil/sitio web y paga con su mWallet
Compra
a cualquier
hora, desde
cualquier
sitio y
dispositivo
2
La aplicación Mobile Wallet se inicia automáticamente
(App2App o API)
Fácil
selección
del medio
de pago
3
Daniel selecciona su método de pago y se autentica
Pago
seguro
4
Las entradas de los conciertos se generan en la app. del
mobile Wallet, además de un ticket para una bebida gratis
Un único
repositorio
para todos
los tickets
electrónicos
5
Daniel acerca su mWallet para autenticarse y pagar en
el metro
Mismo
wallet para
diferentes
usos:
eventos,
transporte,
etc.
6
Daniel muestra su entrada (código 2D) en su teléfono
para entrar al festival
Check-in
fácil
7
Daniel selecciona el ticket de bebida gratis y un método
de pago, validando la compra por NFC en el POS
Uso de
cupones,
pedidos y
pago
8
Daniel solicita el dinero de las bebidas a sus amigos
José y Mario durante el festival desde el mWallet.
La cuenta es
compartida
con los
amigos
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Retail banking
omni-commerce
Tendencias Omni Channel en el sector financiero
Retail Banking
• El recorrido hacía la Omnicanalidad
• Mcdonalds Omnicommerce
• Digital Customer Journey
• Oficina inteligente
138
Recorrido hacia la Omnicanalidad
Evolución de los canales de venta
Los canales de relación con el cliente han evolucionado partiendo de la
sucursal, pasando por la multi-canalidad hasta llegar a la Omnicanalidad,
un único canal con distintos “touch points” que ofrecen al cliente una
experiencia consistente y sin fisuras
Cliente y Entidad
Financiera disponen
de un único canal:
sucursal física
139
•
Cliente: experimenta
varios
canales
de
forma independiente
•
Cliente: experimenta
varios canales con la
misma imagen de marca
•
Cliente: experimenta la
marca, no distintos
canales de la mima marca
•
Entidad Financiera:
gestiona la información
por Silos funcionales
•
Entidad Financiera:
visión unificada del
cliente, operación en Silos
funcionales
•
Entidad Financiera: visión
unificada del cliente, con
operación coordinada
Caso omnicanal sector Retail
McDonald´s Omnicommerce
140
Digital Customer Journey
Recorrido omnicanal
Preparación de la compra
On-line
Finalización de la compra
En la oficina bancaria
• Obtener más información en modo autoservicio
en un wall display o en mesa táctil
• Conseguir ofertas y consejos personalizados al
ingresar en el sistema
• Recibir consejos a través de las rede sociales
• Capturar información en el móvil
Conseguir ofertas
personalizadas
Utilizar la banca
online o una
aplicación en el
smartphone para
obtener
información de un
producto
financiero
141
Servicios post-venta
Recibir en
el móvil el
mapa de la
oficina más
cercana
Elegir un video chat
con un asesor en
remoto a través del
tablet o display de
pantalla localizada en
un espacio privado
Al entrar en la oficina, en la pantalla de
bienvenida:
• Verifique la disponibilidad de un
asesor para tener una cita presencial
• Check-in para recibir un tratamiento
especial en caso de ser cliente VIP
• Al llegar a la oficina, informar al
asesor de su llegada
• Ser informado de nuevos servicios
online o para el móvil
Para ventas y transacciones simples, utilizar el
auto-servicio digital:
• Registro
• Ingreso de cheques y dinero en efectivo,
comprobar el estado de cuenta, solicitar una
tarjeta de crédito, hacer una transferencia,
gestionar el saldo, etc.
• Pida ayuda por videoconferencia
• Sentarse
con
el
asesor
alrededor de una mesa táctil
• Enviar
datos
bancarios
personales desde su móvil a la
mesa
• Obtener
simulaciones
y
consejos en la mesa táctil
• Subscribirse a un nuevo
producto
mediante
firma
electrónica
Enviar
feedback de la
experiencia de
uso
en
la
oficina
bancaria
Digital customer journey
Ejemplo BNP Paribas
▶ ¿Quiere comprar un coche?
▶ Revise su estado de cuenta. ¿Necesita un préstamo?
▶ Geolocalización en el móvil para encontrar su oficina bancaria más cercana
▶ En la oficina: solicitud de un asesor disponible. El recepcionista comprueba la disponibilidad
de un asesor en su ipad sincronizado
▶ Si sus hijos le acompañan, pueden dejarlos en el espacio familiar
▶ Siéntese con el asesor en una mesa con pantalla digital táctil
▶ Envíe los detalles bancarios personales a través de tecnología NFC
▶ El asesor elige la simulación del préstamo: aparece un gráfico. Con las indicaciones del
cliente, puede optar por extender el periodo de amortización (simulación interactiva)
▶ El asesor envía la simulación aprobada por el cliente y la transfiere a su e-mail
142
Digital customer journey
Ejemplo BNP Paribas
143
Oficina inteligente
Servicios digitales
•
Optimizar la gestión del contenido de marketing con información contextual/personalizada
•
Ofrecer consejos más especializados que antes, reforzar el papel del asesor
•
Mejorar la personalización y la experiencia de marca en la oficina
•
Optimizar los procesos en la oficina
•
Garantizar una experiencia de cliente sin fisuras online y dentro de la oficina
•
Garantizar la seguridad y privacidad de datos
Retener clientes,
ser el Banco preferido
• Boost up-sell/cross-sell
144
Optimizar las operaciones
(reducir costes, mejorar la
eficiencia y sinergias)
Oficina inteligente
Transformación y modernización
145
Oficina inteligente
Digitalización por zonas
1. Zona Entrada
2. Zona Espera
3. Zona Teller
4. Zona Self Service
5. Zona
Ventas/Asesoramiento
6. Sala Vip
146
Agenda
Evento Worldline: Soluciones para Medios de Pago
9:45 – 10:00
Presentación de la compañía
Juan Dabusti
10:00 – 10:30
Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago
Electrónico, eCommerce, Fraude, Pago Móvil
Martin Golding
10:30 – 11:30
Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite
Antonio Soares
11:30 – 11:45
Break
11:45 – 12:05
Misión Crítica en Medios de Pago
Santiago Nuñez, Director de Sistemas Críticos
12:05 – 12:20
HSM: seguridad y rendimiento sin riesgo
Pablo Oviedo
12:20 – 12:40
Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card
Emulation
Daniel Bañares
12:40 – 13:05
Tendencias omni-canal en el sector financiero: “Consumidores Conectados”
Pablo Oviedo
13:05
Wrap-up y brunch
Juan Dabusti
Muchas Gracias
Worldline is a registered trademark of Atos Worldline SAS. June 2013
© 2013 Atos. Confidential information owned by Atos Worldline, to be
used by the recipient only. This document, or any part of it, may not
be reproduced, copied, circulated and/or distributed nor quoted
without prior written approval from Atos Worldline.

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