Payments

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Payments expertise profile of Te Velde Consultancy

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Payments

  1. 1. Te Velde Consultancy & Interim Management Expertise profile 2009
  2. 2. Introduction <ul><li>Developments in payments </li></ul><ul><li>Limited expertise in the market </li></ul><ul><li>Risk model versus commercial operating model </li></ul><ul><li>Act now will pay off in the future </li></ul>
  3. 3. The world of payments Debit Credit Card holder Issuer Acquirer Merchant Processors Schemes Vendors Politics Initiator/Debtor Initiating bank/Debit Beneficiary bank/Credit Beneficiary/Creditor FI
  4. 4. Analysis approach Culture / groups Business case Communities M-... E-... Crisis EU MOB Politics Economics Social Technical
  5. 5. Political arena influences agenda Political arena Transaction costs vs cash Fraud International standards Compliancy Scheme fees Debit Credit Card holder Issuer Acquirer Merchant Processors Schemes Vendors Politics Initiator/Debtor Initiating bank/Debit Beneficiary bank/Credit Beneficiary/Creditor FI Banking costs Fraud “ Zorgplicht” “ Weak” groups
  6. 6. Perspective of needs: End user <ul><li>Payments = </li></ul><ul><li>Convenience => success factor </li></ul><ul><li>Low costs (or no costs) => perception </li></ul><ul><li>Trust => must have </li></ul>Efficiency/ effectiveness Easy to use Pay for convenience Pay for convenience Safe, simple, guaranteed Card holder Merchant Initiator/Debtor Beneficiary/Creditor
  7. 7. Core issue: Cost / revenue of payments <ul><li>Cost cut </li></ul><ul><li>Outsource ? </li></ul><ul><li>Buy instead of built? </li></ul><ul><li>Increase revenue </li></ul><ul><li>Innovation? </li></ul><ul><li>New client groups ? </li></ul>Debit Credit Issuer Acquirer Initiating bank/Debit Beneficiary bank/Credit FI Strategic choices
  8. 8. Commercial arena (1) <ul><li>Ingredients: </li></ul><ul><li>Political arena </li></ul><ul><li>Needs: easy to use, low cost, safe, simple, guaranteed </li></ul><ul><li>Results: </li></ul><ul><li>Increase of consumer beneficiaries </li></ul><ul><li>Budgetassistant </li></ul><ul><li>Innovate: E-..., M-... </li></ul>Debit Card holder Issuer Initiator/Debtor Initiating bank/Debit Banking costs Fraud “ Zorgplicht” “ Weak” groups
  9. 9. Commercial arena (2) <ul><li>Ingredients: </li></ul><ul><li>Political arena </li></ul><ul><li>Efficiency/effectiveness, low cost, safe, simple, guaranteed </li></ul><ul><li>Results: </li></ul><ul><li>Outsourcing infrastructure </li></ul><ul><li>Upcoming transparency: providerchoice assistant </li></ul><ul><li>Innovate: E-..., M-... </li></ul>Credit Acquirer Merchant Beneficiary bank/Credit Beneficiary/Creditor FI Transaction costs vs cash Fraud International standards
  10. 10. Te Velde Consultancy services <ul><li>Consultancy </li></ul><ul><li>strategy advise </li></ul><ul><li>concept- and strategy development </li></ul><ul><li>implementation of changes </li></ul><ul><li>Interim management </li></ul><ul><li>management line organisation </li></ul><ul><li>program- and projectmanagement </li></ul><ul><li>business development </li></ul><ul><li>Subjects </li></ul><ul><li>SEPA </li></ul><ul><li>Costs/revenues of payments </li></ul><ul><li>Innovation </li></ul>
  11. 11. Te Velde Consultancy <ul><li>4. Design and implementation of customer solutions </li></ul><ul><li>3. Marketing and sales process (e.g. channels) </li></ul><ul><li>2. Commercial and business advise </li></ul><ul><li>1. Brainstorming </li></ul>
  12. 12. Te Velde projects summary Back office processing / outsourcing proposition Introduction Prepaid Chipknip SEPA payments strategy incl. value added services Card acquiring (inter)national proposition Payments and card processing proposition incl. white label services Development prepaid debit card solution Large scale card issuing (8,5 mio cards) Bank connection to processor Concept building e-invoicing Debit Credit Card holder Issuer Acquirer Merchant Processors Schemes Vendors Politics Initiator/Debtor Initiating bank/Debit Beneficiary bank/Credit Beneficiary/Creditor FI
  13. 13. Any challenges? Please contact Ronald te Velde Msc [email_address] +31 6 57 34 34 06 Original ideas, practical results

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