Agenda Evento Worldline: Soluciones para Medios de Pago

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2 Agenda Evento Worldline: Soluciones para Medios de Pago 9:30 9:45 Presentación de la compañía Benhel Sarce 9:45 10:15 Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago Electrónico, ecommerce, Fraude, Pago Móvil Martin Golding 10:15 11:00 Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite Antonio Soares 11:00 11:30 Realidad actual de los medios de pago y su evolución Alfredo Piquer Gardner, Presidente de Directorio Optimisa S.A 11:30 11:50 Break 11:50 12:10 HSM: seguridad y rendimiento sin riesgo Pablo Oviedo 12:10 12:30 Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card Emulation Daniel Bañares 12:30 13:00 Tendencias omni-canal en el sector financiero: Consumidores Conectados Pablo Oviedo 13:00 Wrap-up y brunch Benhel Sarce

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4 Quiénes somos Grupo Atos Somos una compañía internacional con un posicionamiento estratégico por todo el mundo Norte América Canadá USA Latinoamérica Argentina Brasil Chile Colombia México UK/Irlanda Iberia Andorra Portugal España Benelux Bélgica Luxemburgo Holanda Francia Norte & Suroeste de Europa Dinamarca Finlandia Grecia Italia Suecia Suiza Germany India, Middle East and África Egipto India Marruecos Sudáfrica Emiratos Árabes Central & Este de Europa Europa Austria Bulgaria Croacia República Checa Polonia Rumania Rusia Serbia Eslovaquia Turquía Asia Pacífico Fuente: Atos Corporate Presentation 2013

5 Quiénes somos Datos y cifras claves 5

6 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.

7 Nuestra visión Revolución digital Las transacciones por pagos electrónicos están creciendo a una velocidad sin precedentes La rapidez en la adopción y el uso de nuevos dispositivos jamás ha sido tan dinámica El volumen de transacciones generadas ofrecen gran cantidad de datos y oportunidades millones de pagos online +20% anual millones de smartphones +100% para millones de transacciones globales sin uso de efectivo +7% anual millones de dólares en transacciones móviles +400% para ,5 trillones de bytes generados por día 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

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9 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)

10 * Worldline figures Qué ofrecemos Servicios para la Distribución 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. Cifras clave* 568 millones de transacciones de pagos remotos 1000 terminales puestos en funcionamiento a diario

11 * Worldline figures Qué ofrecemos Servicios de movilidad y transacciones electrónicas 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. Cifras clave* millones de visitas a páginas Web millones de documentos electrónicos 68 millones de buzones de millones de llamadas (IVR y Contact Centers) millones de SMS

12 * Cifras de Worldline 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* millones de transacciones de adquirencia 51 millones tarjetas de crédito y débito

13 Qué ofrecemos Financial Processing & Software Licensing

14 Agenda Evento Worldline: Soluciones para Medios de Pago 9:30 9:45 Presentación de la compañía Benhel Sarce 9:45 10:15 Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago Electrónico, ecommerce, Fraude, Pago Móvil Martin Golding 10:15 11:00 Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite Antonio Soares 11:00 11:30 Realidad actual de los medios de pago y su evolución Alfredo Piquer Gardner, Presidente de Directorio Optimisa S.A 11:30 11:50 Break 11:50 12:10 HSM: seguridad y rendimiento sin riesgo Pablo Oviedo 12:10 12:30 Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card Emulation Daniel Bañares 12:30 13:00 Tendencias omni-canal en el sector financiero: Consumidores Conectados Pablo Oviedo 13:00 Wrap-up y brunch Benhel Sarce

15 Payment trends

16 Trends of the payment landscape Payment Market Volume Growth Continuous increase of the number of electronic payment transactions Growing 3x faster than total consumer spending 1 Payment Market Structural Transformation Industry consolidation, business transformation, process optimization New players PayPal, Alipay, Google Checkout, Apple Pay, Facebook, Twitter, Retailers & MNOs 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 Sources: 1 Moody s Analytics, Euromonitor International Merchant Segment Study

17 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

18 Number of transactions (Bn) The payment market growth is accelerating with a very strong development of alternative payment means Payment Methods Non cash transactions in Europe Billions 50 M-Payment Transactions CAGR 18% Alternative payment 15% methods 39,9 14% Debit and 11% credit 25,4cards 9% 15,8 10 Online Banking epayments 6,4 0,6 1,1 (Credit transfers and 2,2 3,8 7 direct debits) F 2015F Non-banks Banks % non-bank/bank Sources : A.T. Kearney European payment market model June Source: Capgemini World Payments Report 2014

19 Number of non-cash transactions per year (Bn) Payment types breakdown (%) Latin America growth trends Non-cash transactions in Latin America , % 90% 80% 70% 60% 50% 40% Payment types in Latin America 13% 7% 6% 33% 31% 40% 14% 14% 5% 30% : 15% CAGR Continued increase in card payments 20% 10% 42% 46% 49% 0% Cards Direct Debits Credit Transfers Cheques Source: Capgamini World Payments Report

20 The restructuring of the traditional payment market generates opportunities New pricing models Greater Consolidation New Entrants 20

21 New entrants Non-bank prepaid (Walmart) 21

22 The acceleration of new technology adoption enables brand new digital businesses Sources : 1:IDC 2:Forrester 3:MarketsandMarkets 4:GSMA 22

23 Card Linked Offers

24 Card linked offers Shared loyalty eco-system for targeted promotions Leveraging historical cardholder data to delivery personalised offers 24

25 Card-linked offers in a nutshell CARD- HOLDERS Selected offers Transaction data CLO Manager Issuers ISSUERS Offers MERCHANTS & BRANDS

26 Benefits to all players Receive cash back rewards Simple, paperless Personalized to customer profiles Offers from broad Merchant base Convenience of all promotions in one place Customers Virtual Market place Merchants & Brands Increase Sales Inclusiveness for large to small merchants Informed promotional targeting Access to large potential consumer population No IT integration Banks New revenue stream Increase customer spend on bank s products Increased customer loyalty Synergies with wallet offerings and online banking

27 Card linked offers 27

28 Mobile NFC Payments HCE impact

29 NFC Market Potential and Growth Predictions NFC handsets NFC terminals shipments NFC Payments 20% CAGR % CAGR % CAGR bil 14 mil 35 bil USD 500 mil 3.9 mil 5bil USD Source: NFC Forum March 2014 Source: Berg Insight Mobile Wallet Services Source: Paymenteye The Changing Face of Mobile Payments

30 NFC Mobile Payment Three main implemetations of Mobile NFC Payments CPU CPU CPU TSM HCE Server

31 NFC Mobile Payments Secure Element Eco-System SE Provider TSM Telco Issuer Handset provider Payment network Merchant Acquirer Multiple participants/ dependencies Revenue impact

32 NFC Mobile Payments Apple Pay SE Provider TSM Telco Issuer Handset provider Payment network Merchant Acquirer Simplification of the eco-system Revenue impact

33 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

34 Why NFC Mobile Payments with HCE? Summary 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 34

35 Online Banking and e-payments

36 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

37 Simple experience for customer E & M commerce

38 Simple experience for customer E & M commerce Check out

39 Simple experience for customer E & M commerce Check out

40 Simple experience for customer E & M commerce Check out

41 Simple experience for customer E & M commerce Check out Transaction accepted

42 Benefits Security online banking Lower fraud, less backofffice costs (fraud and disputes) Low risk to merchant pushpaid directly from issuer via CT Convenient to payer via online banking 42

43 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

44 Trends powered by Worldline

45 Trends powered by Worldline Video e/m Payments, Wallets, HCE Fraud Services & Solutions Card Linked Offers Online Banking epayments Data Analytics Fraud detection Rule life-cycle Case management Cardholder support Merchant support 45

46 Agenda Evento Worldline: Soluciones para Medios de Pago 9:30 9:45 Presentación de la compañía Benhel Sarce 9:45 10:15 Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago Electrónico, ecommerce, Fraude, Pago Móvil Martin Golding 10:15 11:00 Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite Antonio Soares 11:00 11:30 Realidad actual de los medios de pago y su evolución Alfredo Piquer Gardner, Presidente de Directorio Optimisa S.A 11:30 11:50 Break 11:50 12:10 HSM: seguridad y rendimiento sin riesgo Pablo Oviedo 12:10 12:30 Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card Emulation Daniel Bañares 12:30 13:00 Tendencias omni-canal en el sector financiero: Consumidores Conectados Pablo Oviedo 13:00 Wrap-up y brunch Benhel Sarce

47 Value from digital payments dd-mm-yyyy

48 Agenda Worldline approach Evolution of payment platforms Worldline Pay Case studies new services and operational efficiency Conclusions

49 Worldline approach dd-mm-yyyy

50 Worldline Core Competencies in Payments Knowledge Performance Innovation Payments Expertise Processing Experience Software Development and IT Engineering High Availability Deployments Operational Efficiency Efficient use of Hardware Capacity for low TCO Mobile Payments & HCE Digital Wallets Card Linked Offers Connected living Continuous R&D & platform renewal

51 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

52 How we deliver Dynamic Engagement Worldline deployment offers Software Licensing Deployment at customer site. Customization, Integration and Remote Maintenance. Hosting System Management Certified Data Centre Facilities and qualified IT staff. Licensing model, full ownership. Application Management Operational Application Management. Application expertise. No in-house expertise required. Hybrid combinations Business Process Outsourcing IT, Application and Operational outsourcing Tailored engagement Flexible deployment Flexible Licensing Engagement

53 Value through modularity dd-mm-yyyy

54 External Networks & Card Schemes Authorisation Worldline Pay Integrated Payment Suite Modularity and System Integration Acquiring Issuing Merchant Account Management Merchant Products and Pricing e/m ATM POS Switch Account Management Card Management Customer Data Products & Pricing Credit Charge Debit Prepaid Acquirer Fraud Back-Office Fraud Detection Issuer Fraud Back-Office Acquirer Dispute Back-Office Transaction Repository Clearing Issuer Dispute Back-Office

55 Strategic investments Generating value with high ROI High investment New products Replacement of legacy Significant re-investments Competitive service level Mobile Payments ecommerce Prepaid Value-added services Differentiation Competitive pressure Merchant Acquiring Business strategy Credit Cards POS Management Merchant Acquiring Corporate Cards Credit Card Core business strategy ATM network ATM Switch Compliance Debit Cards Basic transaction set Security Call Centre Dispute Management Fraud Management Basic banking infrastructure Investment

56 Mobile Payments ecommerce Prepaid Strategic investments Generating value with high ROI High return New add-on modules Enhance legacy Small, high ROI investments Competitive service level Value-added services Differentiation Competitive pressure Merchant Acquiring Business strategy Credit Cards POS Management Merchant Acquiring Corporate Cards Credit Card Core business strategy ATM network ATM Switch Compliance Debit Cards Basic transaction set Security Call Centre Dispute Management Fraud Management Basic banking infrastructure Investment

57 Improving operational efficency While protecting investments High impact Reduce operational costs Improve service Customer satisfaction - Growth impact Merchant Acquiring POS Management ATM network Call Centre Dispute Management Fraud Management Credit Cards Corporate Cards Basic banking infrastructure Core business strategy Run costs & Cost of change Value-added services Differentiation Competitive pressure Debit Cards Basic transaction set Security Prepaid ATM Switch Compliance Mobile Payments ecommerce Investment

58 Platform evolution with a modular approach Grow New transaction types & Save Protect your investments New payment instruments Speed to market Remain competitive Minimize upgrade risk Minimize impact to existing infra-structure Incremental efficiency improvements More transactions Customer retention Less cost per transaction

59 Worldline Pay dd-mm-yyyy

60 Worldline Pay Integrated Payment Suite Functional overview and product suite Acquiring Issuing ATM Switching Card Authorisation MagStripe, EMV, Contactless, Virtual Online Transaction Processing Self Service Terminal POS e/m commerce Scheme Compliance Fraud Detection Reconciliation Realtime Risk Management STIP Account Checks Host Interface SOA - Web-Services - Modular Merchant Management Card Issuance (Debit, Prepaid, Charge, Credit) Clearing & Settlement Clearing & Settlement Back-Office Dispute Lifecycle Management Fraud Case Management Dispute Lifecycle Management Fraud Case Management

61 Worldline Pay Integrated Payment Suite Functional overview and product suite Acquiring Issuing ATM Worldline Pay Front-Office Switching Card Authorisation MagStripe, EMV, Contactless, Virtual Online Transaction Processing Self Service Terminal POS e/m commerce Scheme Compliance Worldline Pay Fraud Detection Online Watcher Reconciliation Realtime Risk Management STIP Account Checks Host Interface Worldline Pay Acquirer Back-Office SOA - Web-Services - Modular Merchant Management Worldline Pay Issuer Back-Office Card Issuance (Debit, Prepaid, Charge, Credit) Clearing & Settlement Clearing & Settlement Back-Office Dispute Lifecycle Management Fraud Case Management Dispute Lifecycle Management Fraud Case Management

62 Worldline Pay Integrated Payment Suite Key design principles Modern Architecture Open standards Service Oriented Architecture (SOA) Web-services catalogue Web-based Graphical User Interface Modular design for efficient integration Rules based engine Extendable via SDK Multi-Institution Multi-Currency Multi-Language Multi-Country

63 Worldline Pay Integrated Payment Suite Technology Hardware Operating System Database Middleware

64 Introducing new products and services with Worldline Pay dd-mm-yyyy

65 Prepaid Issuing dd-mm-yyyy

66 External Networks & Card Schemes Authorisation Worldline Pay Integrated Payment Suite Prepaid implementation Acquiring Issuing Merchant Account Management Merchant Products & Pricing e/m ATM POS Switch Account Management Card Management Customer Data Products & Pricing Credit Charge Debit Prepaid Acquirer Fraud Back-Office Fraud Detection Issuer Fraud Back-Office Acquirer Dispute Back-Office Transaction Repository Clearing Issuer Dispute Back-Office

67 Worldline Pay Prepaid core functionality Account Loads and Controls Prepaid Fees Authorization Mark Ups Interfaces (e.g., CBS, IVR, SMS) Reporting

68 Prepaid deployment option 1 Full scope deployment Worldline Pay Prepaid Acquiring and Switch Transactions Scope Card issuing Issuing fees Load controls Validate card Validate balance Bal. adjustment Mark ups Usage controls Postings/ reconciliation Core banking system Loads Enquiries Call centre Batch Real-time

69 Prepaid deployment option 2 Full prepaid CMS accounting on core banking system Worldline Pay Prepaid Acquiring and Switch Transactions Scope Card issuing Issuing fees Load controls Validate card Mark ups Usage controls Transactions Postings/ reconciliation Core banking system Account data Balances/loads Enquiries Call centre Batch Real-time

70 Prepaid deployment option 3 Minimum deployment authorisation core only Worldline Pay Prepaid Scope Validate card Mark ups Usage controls Card data Card management system Acquiring and Switch Transactions Transactions Postings/ reconciliation Core banking system Account data Balances/loads Enquiries Call centre Batch Real-time

71 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

72 NFC Mobile Payments dd-mm-yyyy

73 External Networks & Card Schemes Authorisation Worldline Pay Integrated Payment Suite HCE Mobile Payments implementation Acquiring Issuing Merchant Account Management Merchant Products & Pricing e/m ATM POS Switch Account Management Card Management Customer Data Products & Pricing Credit Charge Debit Prepaid Acquirer Fraud Back-Office Fraud Detection Issuer Fraud Back-Office Acquirer Dispute Back-Office Transaction Repository Clearing Issuer Dispute Back-Office

74 Authorization message Worldline HCE Mobile Payments Solution Overview Merchant NFC Payment Worldline HCE Mobile Payment Application Worldline HCE Server Mobile Payment Server Payment Data Factory Authentication Switch Tokenizer WL Mobile Payment Application 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 Card Management & Authorization Acquirer Payment Networks Issuer

75 Worldline HCE Mobile Payments Integration Mobile App Mobile Payments Server Payment Data Factory Card Management System 1. Card data load file 2. Encryption key load Core Banking System 3. Webservice Authorisation Engine Switch Impacts to existing systems Existing Switch to switch-out HCE transactions Existing Authorisation Engine to ignore EMV validation but perform all other checks

76 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

77 Operational excellence with Worldline Pay dd-mm-yyyy

78 External Networks & Card Schemes Authorisation Worldline Pay Integrated Payment Suite Fraud and Dispute Back-Office Acquiring Issuing Merchant Account Management Merchant Products & Pricing e/m ATM POS Switch Account Management Card Management Customer Data Products & Pricing Credit Charge Debit Prepaid Acquirer Fraud Back-Office Fraud Detection Issuer Fraud Back-Office Acquirer Dispute Back-Office Transaction Repository Clearing Issuer Dispute Back-Office

79 Fraud Implications to an Organization Fighting Fraud can be Expensive Direct fraud losses through lack of real-time detection Customer Dissatisfaction Poor Management Information Costly Back-Office Lost Revenues, Poor Management Control Customer attrition

80 Worldline Pay Fraud and Dispute Back-Office Fraud Case Management - Highlights Receive alerts 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 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

81 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

82 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

83 Worldline Pay Fraud and Dispute Back-Office Fraud Case Management - Workflow Call Centre Card Management Customer Relationship Bank Host External systems Txns Case investigation Make decision Fraud rules trigger alert Fraud case creation If Fraud is confirmed take actions: Action: Block card Action: Update Bank System Action: Send Fraud Advice to Scheme Real-time Fraud Detection Fraud Case Management Dispute Management 83 Worldline or external solutions

84 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 May declare fraud Post to cardholder account Process dispute cycle Cardholder reports exception Dispute folder creation Gather information Issue dispute message (e.g. copy request) Dispute Management Clearing 84 Worldline or external solutions

85 Worldline Pay Fraud and Dispute Back-office GUI examples view Fraud alerts

86 Retrieve and display information Integration with other WLP Back-office modules Card details

87 Retrieve and display information Integration with other WLP Back-office modules Card details Cardholder details

88 Retrieve and display information Integration with other WLP Back-office modules Card details Cardholder details Account details

89 Retrieve and display information Integration with other WLP Back-office modules Card details Cardholder details Account details Transaction details

90 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

91 Conclusions dd-mm-yyyy

92 Worldline Vertical solution provider for the payment industry Channels Core Payment Engine Life-cycle Management Cards Online Transaction Processing Acquiring Cards Financial Entities ATM POS SVA Routing Authorization & Authentication Compliance Security SVA Payment Programmes Payment Products Internet Direct Debit Direct Debit Merchants Mobile Credit Transfer Back-Office Risk and Fraud Management Credit Transfer Customer & Contracts Online Banking Bill Pay Clearing & Settlement Exception Handling Archive and Data Analytics Bill Pay Payment Instruments emandates

93 Platform evolution with Worldline Pay Modular, SOA approach Clearly define business requirements Detailed impact analysis on existing infrastructure Extend functionality through integration + + = New Services, Increase revenue & Protect investments Analyse costly operational activities Detailed impact + + = analysis on digitisation existing infrastructure Optimize through and integration Better Services, Cost savings & Protect investments

94 Agenda Evento Worldline: Soluciones para Medios de Pago 9:30 9:45 Presentación de la compañía Benhel Sarce 9:45 10:15 Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago Electrónico, ecommerce, Fraude, Pago Móvil Martin Golding 10:15 11:00 Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite Antonio Soares 11:00 11:30 Realidad actual de los medios de pago y su evolución Alfredo Piquer Gardner, Presidente de Directorio Optimisa S.A 11:30 11:50 Break 11:50 12:10 HSM: seguridad y rendimiento sin riesgo Pablo Oviedo 12:10 12:30 Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card Emulation Daniel Bañares 12:30 13:00 Tendencias omni-canal en el sector financiero: Consumidores Conectados Pablo Oviedo 13:00 Wrap-up y brunch Benhel Sarce

95 Para Expertos Líderes de Misión Crítica A L F R E D O P I Q U E R Presidente O P T I M I S A S. A

96 AGENDA DESAFIOS DE CHILE HOY MEDIOS DE PAGO EN CHILE EL DESAFIO HACIA ADELANTE BENEFICIOS PARA CHILE

97 DESAFIO DE CHILE INCLUSION FINANCIERA SEGURIDAD CHILE NECESITA

98 MEDIOS DE PAGOS EN CHILE

99 MEDIOS DE PAGOS EN CHILE Evolución de medios de pagos minoristas (número de operaciones en millones) Fuente: SBIF Cheques Cajeros Automático s TC no bancarias TC bancarias Tarjetas de débito Transferencias Internet

100 MEDIOS DE PAGOS EN CHILE Transacciones en instrumentos distintos de efectivo Porcentaje del total Fuente: SBIF

101 EL DESAFIO HACIA ADELANTE Estándares: Comunidad internacional Riesgo: Certeza y disponibiidad Nuevos actores: Nuevos medios de pago

102 EL DESAFIO HACIA ADELANTE Uso de infraestructura existente: dispositivos móviles Infraestructura nueva común

103 EL DESAFIO HACIA ADELANTE Adopción por la población en general: Nuevos comportamientos

104 EL DESAFIO HACIA ADELANTE Servicio en línea: End-to-end Ciclo sistémico: Regularización, compensación, liquidación Soporte al negocio: Comportamiento, fraude

105 BENEFICIOS PARA CHILE Menor costo de transacción Aumento en la seguridad Facilita la distribución del dinero Fomento del consumo en comercios formales

106 MIRADA DE OPTIMISA ATENCIÓN EN LÍNEA CICLO OPERACIONAL NEGOCIO Bancos Comercios

107 Agenda Evento Worldline: Soluciones para Medios de Pago 9:30 9:45 Presentación de la compañía Benhel Sarce 9:45 10:15 Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago Electrónico, ecommerce, Fraude, Pago Móvil Martin Golding 10:15 11:00 Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite Antonio Soares 11:00 11:30 Realidad actual de los medios de pago y su evolución Alfredo Piquer Gardner, Presidente de Directorio Optimisa S.A 11:30 11:50 Break 11:50 12:10 HSM: seguridad y rendimiento sin riesgo Pablo Oviedo 12:10 12:30 Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card Emulation Daniel Bañares 12:30 13:00 Tendencias omni-canal en el sector financiero: Consumidores Conectados Pablo Oviedo 13:00 Wrap-up y brunch Benhel Sarce

108 Worldline HSM Adyton

109 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. 109

110 Worldline HSM Adyton hardware Diferentiation Industrial performance Cost of ownership Excellence in security 110

111 Performance Powerful cryptography processing developed by Worldline Indicative performance figures (*) RSA 1024 Key Generation: 70/s RSA 1024 Private Key: 7.000/s TDES: /s AES: /s (*) Measured outside ADYTON, incl. network access Two versions: GOLD SILVER GOLD: Transactions per second SILVER: Transactions per second 111

112 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 112

113 Security Compliant with FIPS (draft) & hardware PCI HSM FIPS certification (#2029): Hardware security level: 4 Overall security level: 3 MEPS (CB - France) certification (#HSM ) Tamper Evidence Tamper Responsiveness with immediate secret key zeroisation Intrusion detection (chemical, mechanical) Temperature attacks Voltage attacks 113

114 Key features

115 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

116 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) 116

117 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 compliant) 117

118 HSM certifications

119 Worldline HSM Adyton hardware Certifications FIPS MEPS

120 Typical Applications

121 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 121

122 Agenda Evento Worldline: Soluciones para Medios de Pago 9:30 9:45 Presentación de la compañía Benhel Sarce 9:45 10:15 Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago Electrónico, ecommerce, Fraude, Pago Móvil Martin Golding 10:15 11:00 Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite Antonio Soares 11:00 11:30 Realidad actual de los medios de pago y su evolución Alfredo Piquer Gardner, Presidente de Directorio Optimisa S.A 11:30 11:50 Break 11:50 12:10 HSM: seguridad y rendimiento sin riesgo Pablo Oviedo 12:10 12:30 Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card Emulation Daniel Bañares 12:30 13:00 Tendencias omni-canal en el sector financiero: Consumidores Conectados Pablo Oviedo 13:00 Wrap-up y brunch Benhel Sarce

123 Impulsando transacciones desde canales emergentes

124 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

125 Nuevos métodos de pago El ecosistema de pago móvil Un wallet es un vínculo entre un identificativo del cliente (teléfono, , etc.) y un medio de pago Presencial Virtual (no presencial) Modo Pago móvil NFC Pago móvil Cloud QR Bluetooth Tecnología Sistema abierto Sistema propio Operativa

126 Worldline Cloud Wallet

127 Wallet platform offer Principales componentes funcionales Platforma Worldline cloud wallet Componentes existentes Componentes Worldline con posible integración con cloud wallet Usuario wallet App SDK Usuario banking App SDK Banks IS Online Banking WL Cloud Wallet - Servicios Core WEB BO Reporting, Analytics Rights Mgmt On line Provisioning User & wallet mgmt inter-banking wallet directory Batch Provisioning Transaction Mgr Authentication login/pwd OTP SMS Trusted Authent credentials repository users cards, Accounts, Expedition address (Other modules) Comercio / PSP API Comercio App SDK PoS terminal SDK 3DS Access Control Server ACS Loyalty (Wallet Linked Offers) CLO fraud scoring engine Online Watcher ( )

128 Worldline puede adaptarse a diferentes alcances (wallet para emisor + directorio + API para comercios) Stand alone Hacerlo con otros bancos 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 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 Riesgo Trabajar con un socio que facilite el ecosistema, como un esquema Construir un wallet con las especificaciones del esquema Incorporar usuarios Los socios/esquemas desarrollan la red de aceptación (e-merchants & IPG partners) Time to market

129 Innovación NFC Mobile Payments (HCE)

130 NFC Mobile Payments Tres implementaciones de pagos NFC CPU CPU CPU TSM HCE Server

131 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 Telco No se requieren cambios por debajo de la línea de puntos Issuer Payment network Merchant Handset provider Acquirer

132 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 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 Description 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? Software and Hardware POS terminal for test (WL internal testing) 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 security and customer 2 experience 3 Shorter time to market for rolling out

133 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 únicamente funcionalidades de Extensión de módulos implementados de e-commerce Interoperatividad probada seguridad en función de la tecnología disponible hoy en día COMPLIANCE La solución se hará de acuerdo con las especificaciones de VISA Facilita la convergencia entre pagos remotos y de proximidad (ej: Merchant Cloud Wallet) DIFERENCIADORES Mínima integración e interferencia con los sistemas emisores El Piloto recibirá la excepción de Visa (waiver) Inversiones y gastos de operación menores Amplia experiencia en pagos y autenticación

134 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

135 2 La aplicación Mobile Wallet se inicia automáticamente (App2App o API) Fácil selección del medio de pago

136 3 Daniel selecciona su método de pago y se autentica Pago seguro

137 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

138 5 Daniel acerca su mwallet para autenticarse y pagar en el metro Mismo wallet para diferentes usos: eventos, transporte, etc.

139 6 Daniel muestra su entrada (código 2D) en su teléfono para entrar al festival Check-in fácil

140 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

141 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

142 Agenda Evento Worldline: Soluciones para Medios de Pago 9:30 9:45 Presentación de la compañía Benhel Sarce 9:45 10:15 Pagos, tendencia del mercado y situación: EMV, PCI, Fidelización, MPOS, Pago Electrónico, ecommerce, Fraude, Pago Móvil Martin Golding 10:15 11:00 Worldline en la cadena de valor de los medios de pago: Integrated Payment Suite Antonio Soares 11:00 11:30 Realidad actual de los medios de pago y su evolución Alfredo Piquer Gardner, Presidente de Directorio Optimisa S.A 11:30 11:50 Break 11:50 12:10 HSM: seguridad y rendimiento sin riesgo Pablo Oviedo 12:10 12:30 Impulsando transacciones desde canales emergentes: Cloud Wallet, Host Card Emulation Daniel Bañares 12:30 13:00 Tendencias omni-canal en el sector financiero: Consumidores Conectados Pablo Oviedo 13:00 Wrap-up y brunch Benhel Sarce

143 Retail banking omni-commerce

144 Tendencias Omni Channel en el sector financiero Retail Banking El recorrido hacía la Omnicanalidad Mcdonalds Omnicommerce Digital Customer Journey Oficina inteligente 144

145 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 Cliente: experimenta varios canales de forma independiente Entidad Financiera: gestiona la información por Silos funcionales Cliente: experimenta varios canales con la misma imagen de marca Entidad Financiera: visión unificada del cliente, operación en Silos funcionales Cliente: experimenta la marca, no distintos canales de la mima marca Entidad Financiera: visión unificada del cliente, con operación coordinada 145

146 Caso omnicanal sector Retail McDonald s Omnicommerce 146

147 Digital Customer Journey Recorrido omnicanal On-line Preparación de la compra Conseguir ofertas personalizadas En la oficina bancaria Finalización de la compra 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 Elegir un video chat con un asesor en remoto a través del tablet o display de pantalla localizada en un espacio privado Servicios post-venta 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 Utilizar la banca online o una aplicación en el smartphone para obtener información de un producto financiero Recibir en el móvil el mapa de la oficina más cercana 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 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 147

148 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 148

149 Digital customer journey Ejemplo BNP Paribas 149

150 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 150 Optimizar las operaciones (reducir costes, mejorar la eficiencia y sinergias)

151 Oficina inteligente Transformación y modernización 151

152 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 152