This document discusses OpenWay Group's digital payment platform called WAY4. It provides the following key points:
1) WAY4 is a digital payment platform that aims to help payment companies embrace challenges in the digital era by providing payment software solutions.
2) It offers digital wallet, card issuing, acquiring, switching and other payment products and services in a unified and flexible way to ensure secure customer experience.
3) OpenWay is a leading global provider of digital payment software, ranked number 1 by Gartner and Ovum, and its WAY4 platform is used by major banks and payment processors worldwide.
The ‘A Deep Dive into the BNPL Ecosystem’ report analyzes the rapidly evolving BNPL sector across the world and the factors fueling BNPL payments. Read this report to learn about the drivers, partnerships, business models, regulatory landscape, and future trends impacting the BNPL ecosystem.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
The ‘A Deep Dive into the BNPL Ecosystem’ report analyzes the rapidly evolving BNPL sector across the world and the factors fueling BNPL payments. Read this report to learn about the drivers, partnerships, business models, regulatory landscape, and future trends impacting the BNPL ecosystem.
Peter Afanasiev - Architecture of online PaymentsCiklum Ukraine
Payment Service Providers
Merchant Payment Systems
General architecture of a Payment System
Know-hows:
Payment queues with MSSQL Broker
Adapter Polymorphism
Tracing in Service Oriented World
Dynamic configuration editor with ASP.Net MVC
Digital payment systems are the backbone of digital commerce. Indian government along with the corporate community is making a significant push to build infrastructure for digital payments along with encouraging the citizens towards a cashless economy.
Student International Business Council (SIBC) - Bain & Company - Fall 2016
Recommended Western Union enhance digitization and establish physical partnerships in the international remittance market.
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Overview of Digital Financial Services LandscapeJohn Owens
This presentation reviews the digital financial service landscape and is a primer for regulators and policy makers wishing to better understand current market developments.
Digital financial services (DFS) are rapidly rewriting the landscape of financial access in developing markets. This deck is meant to serve as a primer to the DFS space by explaining the basic concepts and strengths of DFS models; showing how they are so successful because they correspond to the weaknesses of traditional delivery; and showcasing some of the next generation of DFS products in order to illustrate that this is just the beginning of a cross-sectoral revolution of access.
Business plan - Mobile Payment ApplicationPlan Writers
The purpose of this plan is to provide investors with the information necessary to evaluate the scope and future growth of Payment Company in the market place.
Global Payment Industry is quite complex and diverse. When you look the Payment system value chain, there are rapidly technical advance and regulatory initiatives are working to transform the payment industry. To reduce the complexity and build a more agile model to adopt to business demands, EBA helps to build Enterprise level architecture to stream line the payments. Contact us.
https://enterprisebankingarchitect.com/
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
DigiPay began its journey in the year of 2019
under the umbrella of Peerbits, a leading mobile
application development company. DigiPay has
come up with several digital financial solutions
such as Mobile Money, Agency Banking,
Automated Fuel Solution, Parking Solution, etc.
Digital payment systems are the backbone of digital commerce. Indian government along with the corporate community is making a significant push to build infrastructure for digital payments along with encouraging the citizens towards a cashless economy.
Student International Business Council (SIBC) - Bain & Company - Fall 2016
Recommended Western Union enhance digitization and establish physical partnerships in the international remittance market.
apidays LIVE Singapore - Open Banking: A foundation for the new world by Bhar...apidays
apidays LIVE Singapore - Connected Commerce
Open Banking: A foundation for the new world
Bharat Bhushan, CTO - Banking and Financial Markets, EMEA, Technical Leadership Team, IBM Academy of Technology
Overview of Digital Financial Services LandscapeJohn Owens
This presentation reviews the digital financial service landscape and is a primer for regulators and policy makers wishing to better understand current market developments.
Digital financial services (DFS) are rapidly rewriting the landscape of financial access in developing markets. This deck is meant to serve as a primer to the DFS space by explaining the basic concepts and strengths of DFS models; showing how they are so successful because they correspond to the weaknesses of traditional delivery; and showcasing some of the next generation of DFS products in order to illustrate that this is just the beginning of a cross-sectoral revolution of access.
Business plan - Mobile Payment ApplicationPlan Writers
The purpose of this plan is to provide investors with the information necessary to evaluate the scope and future growth of Payment Company in the market place.
Global Payment Industry is quite complex and diverse. When you look the Payment system value chain, there are rapidly technical advance and regulatory initiatives are working to transform the payment industry. To reduce the complexity and build a more agile model to adopt to business demands, EBA helps to build Enterprise level architecture to stream line the payments. Contact us.
https://enterprisebankingarchitect.com/
Embedded Finance - the $7 Trillion market opportunitySimon Torrance
Embedded Finance is a new way for companies across all sectors to create and capture more value. It allows any brand to create and sell attractive financial services (payments, credit, insurance, investments, savings) either as invisible native components of, or add-ons to, their customer experiences. This helps them to increase loyalty and/or generate new high margin revenue in new ways. For the (software) companies who enable Embedded Finance, this offers a very exciting new market.
DigiPay began its journey in the year of 2019
under the umbrella of Peerbits, a leading mobile
application development company. DigiPay has
come up with several digital financial solutions
such as Mobile Money, Agency Banking,
Automated Fuel Solution, Parking Solution, etc.
This presentation gives an overview of the company Mint Payments Limited listed on the ASX in Australia under MNW. It explains the products and services and how the company operates in the payments industry.
Payment Network International is a international payment processor. Please enjoy our short company presentation, should you have any question please email info@pni.com.au
How to Build a Future-Ready Mobile Wallet PlatformPanamax, Inc
Gone are the days when you had to carry a fat, heavy wallet in your pocket. Mobile Wallets have rapidly become a preferred choice, especially for those who are constantly on the go. As mobile wallets have revolutionized the way we use our money. No matter what we buy, a payment wallet is handy in the modern day and age. Let's the emergence of mobile wallets, popularity, and important things to consider while creating a future-ready mobile wallet platform.
Empower financial inclusion with branchless bankingNikunj Gundaniya
DigiPay began its journey in the year of 2019
under the umbrella of Peerbits, a leading mobile
application development company. DigiPay has
come up with several digital financial solutions
such as Mobile Money, Agency Banking,
Automated Fuel Solution, Parking Solution, etc.
DigiPay has earned its reputation as a technology
solution provider with a global market approach
for Fintech Solutions. DigiPay leverages
cutting-edge technologies to deliver superior
FinTech solutions that cater to Non-Banking
Financial Institutions, Enterprises, Banks, MNOs
and Telcos.
PayNet provide white labelled digital banking platform to enable use case like Deposits, Lending and Payments
We have ready-to-use modules :
- Prepaid cards
- Loan Management and Origination
- Digital Account Opening
- Customer On-boarding
- Open API Platform
- Digital Wallets
- Payments and Collections
- Loyalty Module
- Corporate and Mobile Banking
Digital Payment Market size is projected to reach US$ 24.31 Trillion by 2030, according to Renub Research. The digital payments industry has experienced speedy expansion due to Internet evolution and increased e-commerce. Digitalization has brought about diverse digital payment alternatives, including payment cards, virtual and mobile wallets, digital cash, and contactless methods.
Wallet Factory platform is a constructor for a wide range of use cases:
- Launching digital banking for traditional banks and credit unions (white-label mobile and web apps and integration with banking core system);
- Enabling extra revenue sources for telecom operators, e.g. P2P, service catalogues, money transfers etc. (e-wallet processing and a mobile app);
- Setting up loyalty\payments system for retailers etc. (e-wallet processing and mobile app, alongside with the loyalty platform).
Hardware-software complex to manage accounts, e-wallets, payment and loyalty cards in single application.
Advantages for Clients:
- Mobile platform, turning a smartphone into a powerful payment and loyalty tool
- Online Р2Р transactions
- One-click payments
- Simple and secure authorization
- Access to financial services for underbanked population
Advantages for Bank:
- Affordable tool for day-to-day banking operations, which is an essential competitive advantage to attract the most economically active and technologically advanced clients, making the most profitable market segment
- Saving costs on performing payment and transfer transaction in the Bank’s branches
www.mwallet.pro
www.m-processing.com
Technology Changing The Face Of MicrofinanceJohn Owens
Technology is now changing the face of microfinance by providing new ways to provide financial services to low income households.
This presentation was given at the InterPacific Bar Association Annual Conference in Manila, Philippines on April 30, 2009.
Epistemic Interaction - tuning interfaces to provide information for AI supportAlan Dix
Paper presented at SYNERGY workshop at AVI 2024, Genoa, Italy. 3rd June 2024
https://alandix.com/academic/papers/synergy2024-epistemic/
As machine learning integrates deeper into human-computer interactions, the concept of epistemic interaction emerges, aiming to refine these interactions to enhance system adaptability. This approach encourages minor, intentional adjustments in user behaviour to enrich the data available for system learning. This paper introduces epistemic interaction within the context of human-system communication, illustrating how deliberate interaction design can improve system understanding and adaptation. Through concrete examples, we demonstrate the potential of epistemic interaction to significantly advance human-computer interaction by leveraging intuitive human communication strategies to inform system design and functionality, offering a novel pathway for enriching user-system engagements.
State of ICS and IoT Cyber Threat Landscape Report 2024 previewPrayukth K V
The IoT and OT threat landscape report has been prepared by the Threat Research Team at Sectrio using data from Sectrio, cyber threat intelligence farming facilities spread across over 85 cities around the world. In addition, Sectrio also runs AI-based advanced threat and payload engagement facilities that serve as sinks to attract and engage sophisticated threat actors, and newer malware including new variants and latent threats that are at an earlier stage of development.
The latest edition of the OT/ICS and IoT security Threat Landscape Report 2024 also covers:
State of global ICS asset and network exposure
Sectoral targets and attacks as well as the cost of ransom
Global APT activity, AI usage, actor and tactic profiles, and implications
Rise in volumes of AI-powered cyberattacks
Major cyber events in 2024
Malware and malicious payload trends
Cyberattack types and targets
Vulnerability exploit attempts on CVEs
Attacks on counties – USA
Expansion of bot farms – how, where, and why
In-depth analysis of the cyber threat landscape across North America, South America, Europe, APAC, and the Middle East
Why are attacks on smart factories rising?
Cyber risk predictions
Axis of attacks – Europe
Systemic attacks in the Middle East
Download the full report from here:
https://sectrio.com/resources/ot-threat-landscape-reports/sectrio-releases-ot-ics-and-iot-security-threat-landscape-report-2024/
JMeter webinar - integration with InfluxDB and GrafanaRTTS
Watch this recorded webinar about real-time monitoring of application performance. See how to integrate Apache JMeter, the open-source leader in performance testing, with InfluxDB, the open-source time-series database, and Grafana, the open-source analytics and visualization application.
In this webinar, we will review the benefits of leveraging InfluxDB and Grafana when executing load tests and demonstrate how these tools are used to visualize performance metrics.
Length: 30 minutes
Session Overview
-------------------------------------------
During this webinar, we will cover the following topics while demonstrating the integrations of JMeter, InfluxDB and Grafana:
- What out-of-the-box solutions are available for real-time monitoring JMeter tests?
- What are the benefits of integrating InfluxDB and Grafana into the load testing stack?
- Which features are provided by Grafana?
- Demonstration of InfluxDB and Grafana using a practice web application
To view the webinar recording, go to:
https://www.rttsweb.com/jmeter-integration-webinar
Connector Corner: Automate dynamic content and events by pushing a buttonDianaGray10
Here is something new! In our next Connector Corner webinar, we will demonstrate how you can use a single workflow to:
Create a campaign using Mailchimp with merge tags/fields
Send an interactive Slack channel message (using buttons)
Have the message received by managers and peers along with a test email for review
But there’s more:
In a second workflow supporting the same use case, you’ll see:
Your campaign sent to target colleagues for approval
If the “Approve” button is clicked, a Jira/Zendesk ticket is created for the marketing design team
But—if the “Reject” button is pushed, colleagues will be alerted via Slack message
Join us to learn more about this new, human-in-the-loop capability, brought to you by Integration Service connectors.
And...
Speakers:
Akshay Agnihotri, Product Manager
Charlie Greenberg, Host
Search and Society: Reimagining Information Access for Radical FuturesBhaskar Mitra
The field of Information retrieval (IR) is currently undergoing a transformative shift, at least partly due to the emerging applications of generative AI to information access. In this talk, we will deliberate on the sociotechnical implications of generative AI for information access. We will argue that there is both a critical necessity and an exciting opportunity for the IR community to re-center our research agendas on societal needs while dismantling the artificial separation between the work on fairness, accountability, transparency, and ethics in IR and the rest of IR research. Instead of adopting a reactionary strategy of trying to mitigate potential social harms from emerging technologies, the community should aim to proactively set the research agenda for the kinds of systems we should build inspired by diverse explicitly stated sociotechnical imaginaries. The sociotechnical imaginaries that underpin the design and development of information access technologies needs to be explicitly articulated, and we need to develop theories of change in context of these diverse perspectives. Our guiding future imaginaries must be informed by other academic fields, such as democratic theory and critical theory, and should be co-developed with social science scholars, legal scholars, civil rights and social justice activists, and artists, among others.
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
Essentials of Automations: Optimizing FME Workflows with ParametersSafe Software
Are you looking to streamline your workflows and boost your projects’ efficiency? Do you find yourself searching for ways to add flexibility and control over your FME workflows? If so, you’re in the right place.
Join us for an insightful dive into the world of FME parameters, a critical element in optimizing workflow efficiency. This webinar marks the beginning of our three-part “Essentials of Automation” series. This first webinar is designed to equip you with the knowledge and skills to utilize parameters effectively: enhancing the flexibility, maintainability, and user control of your FME projects.
Here’s what you’ll gain:
- Essentials of FME Parameters: Understand the pivotal role of parameters, including Reader/Writer, Transformer, User, and FME Flow categories. Discover how they are the key to unlocking automation and optimization within your workflows.
- Practical Applications in FME Form: Delve into key user parameter types including choice, connections, and file URLs. Allow users to control how a workflow runs, making your workflows more reusable. Learn to import values and deliver the best user experience for your workflows while enhancing accuracy.
- Optimization Strategies in FME Flow: Explore the creation and strategic deployment of parameters in FME Flow, including the use of deployment and geometry parameters, to maximize workflow efficiency.
- Pro Tips for Success: Gain insights on parameterizing connections and leveraging new features like Conditional Visibility for clarity and simplicity.
We’ll wrap up with a glimpse into future webinars, followed by a Q&A session to address your specific questions surrounding this topic.
Don’t miss this opportunity to elevate your FME expertise and drive your projects to new heights of efficiency.
Transcript: Selling digital books in 2024: Insights from industry leaders - T...BookNet Canada
The publishing industry has been selling digital audiobooks and ebooks for over a decade and has found its groove. What’s changed? What has stayed the same? Where do we go from here? Join a group of leading sales peers from across the industry for a conversation about the lessons learned since the popularization of digital books, best practices, digital book supply chain management, and more.
Link to video recording: https://bnctechforum.ca/sessions/selling-digital-books-in-2024-insights-from-industry-leaders/
Presented by BookNet Canada on May 28, 2024, with support from the Department of Canadian Heritage.
DevOps and Testing slides at DASA ConnectKari Kakkonen
My and Rik Marselis slides at 30.5.2024 DASA Connect conference. We discuss about what is testing, then what is agile testing and finally what is Testing in DevOps. Finally we had lovely workshop with the participants trying to find out different ways to think about quality and testing in different parts of the DevOps infinity loop.
Dev Dives: Train smarter, not harder – active learning and UiPath LLMs for do...UiPathCommunity
💥 Speed, accuracy, and scaling – discover the superpowers of GenAI in action with UiPath Document Understanding and Communications Mining™:
See how to accelerate model training and optimize model performance with active learning
Learn about the latest enhancements to out-of-the-box document processing – with little to no training required
Get an exclusive demo of the new family of UiPath LLMs – GenAI models specialized for processing different types of documents and messages
This is a hands-on session specifically designed for automation developers and AI enthusiasts seeking to enhance their knowledge in leveraging the latest intelligent document processing capabilities offered by UiPath.
Speakers:
👨🏫 Andras Palfi, Senior Product Manager, UiPath
👩🏫 Lenka Dulovicova, Product Program Manager, UiPath
GraphRAG is All You need? LLM & Knowledge GraphGuy Korland
Guy Korland, CEO and Co-founder of FalkorDB, will review two articles on the integration of language models with knowledge graphs.
1. Unifying Large Language Models and Knowledge Graphs: A Roadmap.
https://arxiv.org/abs/2306.08302
2. Microsoft Research's GraphRAG paper and a review paper on various uses of knowledge graphs:
https://www.microsoft.com/en-us/research/blog/graphrag-unlocking-llm-discovery-on-narrative-private-data/
2. 2
§ #1 global ranking
in Card Issuing
and Merchant Management
by Gartner and Ovum, 2009-
2016
§ Top global ranking
in Digital Wallets
by Ovum, 2016-17
Find more answers
at our website:
openwaygroup.com
our flagship product
WAY4. The Digital Payment Platform
We aim to provide startups and leaders of the
payment industry with payment software that helps
them embrace the challenges of the digital era.
The ongoing shift makes the payment industry complex, connected, and more
unpredictable more than ever. Physical services are becoming virtual, and we
expect them to be accessible and consumable in the fastest and simplest way.
The digital customer journey is influenced by alternative payment instruments and
data insight. Time to market is becoming shorter. Customers revoke their loyalty
and change service providers more often. New players are invading the market.
Local companies are expanding globally. Ecosystems are quickly created and
destroyed. Profit margins are decreasing catastrophically.
All this requires payment institutions to be unusually agile and open-minded. They
need to invest in solutions that ensure an uninterrupted and secure customer
experience, even when their transaction volumes grow exponentially. In platforms
that provide a diversity of digital payment products and services in a unified and
flexible way. In architectures that are open to inter-system and inter-channel
connections and fast on-boarding of innovations. WAY4 comes with all that
technology.
3. 3
our company
OpenWay. A Top Ranked Software Vendor
Leading payment institutions use WAY4 software solutions
for account management, digital wallets, card issuing, acquiring,
switching, e-commerce gateway, and omni-channel digital banking.
Our project geography covers Europe, Asia, Africa, the
Middle East and Americas. Our client portfolio includes banks
and processors, telcos, fleet companies, and governmental
agencies. Many of them migrated from legacy systems to
WAY4 as part of their digital transformation programs. Others
confronted the limitations of existing service providers and
brought payment technology in house. Some customers
wanted to go cross-border. Others launched a greenfield
business on WAY4 and became tier-1 companies.
Growing together with clients, OpenWay has also
transformed from a European start-up in 1998 into a global
leader. We were ranked 1st by Gartner and Ovum on top of
best digital payment software vendors. We are chosen by SIX
Payment Services, equensWorldline, Equity Bank of Kenya,
Raiffeisen Bank International, Nets, Savings Bank of Russia,
Comdata, Network International, Credorax, Borgun, AIS
Thailand, and others.
6. 6
”AzeriCard’s portfolio of card and mobile payments has been growing
rapidly, based on the solutions and international expertise of our partner
OpenWay. Launch of WAY4 Cash By Code was an important step
towards the multifunctional mobile wallet offer.”
Anar Sultanov, the Managing Director of AzeriCard
Download Ovum’s report
on Digital Wallet,
including insights
in global trends and challenges
7. 7
WAY4 supports various payments methods based on QR code
and NFC. Shown is a demo app that enables QR-code
payments in the online shopping experience
Scan to watch the video
on QR-code payment solution
now
8. 8
Business Models for Your Digital Wallet
Contactless in-store payments and couponing via QR, NFC, SMS USSD and in-app
payments. Local QR and NFC schemes, mVisa, Apple Pay, Samsung Pay, Google
Pay.
Loyalty monetization based on customer behavior, segmentation and tiers,
personalized loyalty, cross- and up-sales based on customer purchase analysis
Merchant loyalty clubs, targeted offers via wallet based on cross-merchant data
insight
P2P, P2M, P2G, B2B, and B2G transfers, bill splitting
E-Commerce wallet and tokenization, one-click payments
Game industry, tourist, transport/transit, marketplace and other wallets
Mobile tickets for sport events, art festivals, museums, expo and other venues
Omni-channel wallet for POS, e-commerce and m-commerce payments and
loyalty
Mobile check-in and check-out
Family wallet based on prepaid account schemes and gamification
Wallet and e-money for unbanked clients in the emerging markets
Wallets for remittances and digital banking, and many more…
All-in-One Flexible Solution
• Digital wallet software
platform, incl. back-office,
gateway, API and app
management
• White-label on-premise or
cloud implementation
• Comprehensive support
from the vendor: joint
business analysis, clear and
concise requirements,
customization, training –
before, during and after
launch
• Agile development and
delivery, on-site support
• New features introduced
one step ahead of the
competition
• Early bird innovation
9. 9
WAY4 Wallet Success Stories
• SmartPay is a new mobile wallet for
financial inclusion in Vietnam launched on
WAY4
• B1NK Digital Banking and Wallet attracted
50,000 new clients to a start-up bank in just
one year.
• QAZKOM is the first bank in Central Asia to
launch mVisa QR code payments for
micro-merchants and SMEs. It
complements their POS acquiring
leadership and 75% market share in e-
commerce acquiring, all powered by
WAY4.
• AzeriCard, the largest processor in
Azerbaijan, transformed mobile banking
into mobile wallet with the WAY4 Cash By
Code – the technology for instant money
transfers on mobile and cardless cash
withdrawals on ATMs. Later, this innovative
feature was added to 1300 ATMs and
boosted mobile customer enrolment. This
project was implemented by OpenWay
team in just 2 months.
• Already launched over 20 tokenization
projects for our clients, including the first
market launches of Apple Pay and
Samsung Pay in several countries.
Why WAY4 Wallet
• Multiple wallet models on the same platform
• Complete transaction lifecycle – from customer and product on-
boarding through authentication, online fees and commissions,
risk and dispute management, credentials management and
fraud prevention to online accounting, interfaces to payment
schemes, clearing & settlement, analytics and reporting
• Flexible and dynamic pricing – group and individual rules for
wallet ecosystem members
• All financial instruments: credit and prepaid cards, wallet
accounts, e-money, coupons, bonus points, alternative payment
methods
• Payments and transfers via QR (closed-loop, mVisa), NFC (OEM
Apple Pay, Samsung Pay, Google Pay), HCE, SMS, USSD, in-app
payments
• Omni-channel: mobile app, chat bot, PC, iWatch, POS, e-
Commerce, ATM, API
• Cards schemes (AmEx, Diners Club, JCB, Masterсard, Visa,
Unionpay) and alternative payment methods
• Online 24/7/365, high availability 99,995%
• Certified by PCI SSC (PA-DSS compliance)
• Level-3 data processing
• Product catalogue storage, purchase analysis
• Open/API banking, cross-border, multi-currency,
• Micropayments optimization (micro transaction aggregation)
10. 10
WAY4 Digital Wallet: card enrolment, virtual card generation, security, loyalty,
one-time PIN generation, geo-services, and more
Scan to watch
the WAY4 Wallet promo
video now
goo.gl/yPBxwf
12. 12
WAY4 ACQUIRING
“We put WAY4 at the center of our organization.
This enabled us to extend our current business lines
both domestically and cross-border.”
Presentation of a leading payment institution in Portugal
at OpenWay Club forum
Download Ovum’s report
on CMS
13. 13
Expanding Your Acquiring Business?
Omni-channel merchant management
for POS, e-commerce and mobile acquiring
Wallet & e-money acquiring
Loyalty programs: merchant and co-branded
Micropayments with transaction aggregation services to merchant costs
Payment service providers, merchant payment aggregators, payment
facilitators, marketplaces
MCP (multi-currency pricing), DCC (dynamic currency conversion)
Hierarchical mobile agent top-up schemes for telecoms
Corporate card acquiring
Fleet card acquiring
Transport/transit payments acquiring
Merchant loans, order splitting for multiple shipments, tokenization, merchant
currency, closed-loop prepaid and other value-added services
All-in-One Flexible Solution
• Omni-channel acquiring software platform
• White-label on-premise or cloud implementation
• Comprehensive support from the vendor: joint business analysis, clear and
concise requirements, customization, training – before, during and after
launch, on-site support
• New features introduced one step ahead of the competition
14. 14
WAY4 Acquiring Success Stories
• Credorax migrated from FirstData’s
OmniPay to WAY4 and become a leader in
e-commerce acquiring. Now they accept
payments in 188 countries and report a
CAGR of over 50%.
• equensWorldline, a pan-European payment
giant, has grown from 0,1 to 15 million
transactions per day. This pan-European
acquirer serves over half a million merchants
in 3 countries through its WAY4 platform.
• KTB, a leading bank in Thailand, has
migrated 20,000 merchants and 55,000 POS
terminals to WAY4 in six months — the fastest
digital transition in banking known in APAC.
• Fleet card processors of over 8,000 gas
stations use WAY4 to control and
encourage customer spending at gas
stations. They can now accept international
and local payment cards, fleet cards, co-
branded cards and digital wallets.
• areeba, a pioneer in e-payments in the
MENA region, chose WAY4 to implement
contactless POS acquiring for 5,000
merchants including McDonalds, Nike, Vero
Moda and ALDO.
Why WAY4 Acquiring
• Variety of services for merchants: P2P and P2M payments and
transfers, FX exchange, partial shipment processing, merchant
loans, loyalty, merchant cards and currencies.
• Acceptance of any financial instruments: B2C and B2B cards,
accounts, wallets, e-money, contactless/tokens
• Omni channel: POS, mPOS, EPOS, e-commerce, contactless,
chat bot, mobile in-app payments, API channels
• Tokenization and m-commerce: QR, NFC (OEM Apple Pay,
Samsung Pay, Google Pay), HCE, Visa Checkout, MasterPass
• Flexible online back-office for a complete transaction lifecycle:
from online customer and product onboarding, account
opening, fees, commissions, events and counters through
payments and transfers, fraud prevention and dispute assistance
to merchant payments, accounting, clearing and settlement,
analytics and reporting
• Multi-level merchant hierarchies, risk management, pricing,
reporting; corporate schemes and level-3 data processing and
taxes calculation
• Certified by Amex, Diners Club, JCB, Mastercard, Visa, Unionpay
and PCI DSS (PA-DSS compliance)
• Acquiring loyalty programs and merchant bonus clubs based on
online and offline transaction data and customer profile
• Cross-border, multi-currency, multi-bank schemes
• Open Banking support with rich API
16. 16
Finnet reported 150% revenue growth and 34% transaction volume
growth. “We chose WAY4 for its flexibility,
modularity, and cost-efficiency.”
Erman Suherman, Operation, IT & Innovation Director, Finnet
17. 17
Expanding Your Payment Business?
E-commerce, POS, omni-channel switch, gateway and acquiring
Omni-channel digital banking
National switching and payment schemes
Universal payment hub
IPS switch
3-D Secure Gateway
Dynamic Currency Conversion system
Value-added services (prepaid, loyalty, wallets, etc.)
Non-card alternative payment methods
Open banking hub
Instant Payments scheme
All-in-one digital payments and banking platform
All-in-One Flexible Solution
• Omni-channel transaction switching and payment gateway software platform
• White-label on-premise or cloud implementation
• Comprehensive support from the vendor: joint business analysis, clear and concise
requirements, customization, training – before, during and after launch,
on-site support
• New features introduced one step ahead of the competition
• Early bird innovation
18. 18
In the era of mobile commerce growth, it’s crucial to support omni-channel customer
experience and ensure 365/24/7 availability. Support of the card and non-card alternative
payment methods is a must.
19. 19
WAY4 Switch Success Stories
• Finnet, the core of Indonesian payment ecosystem,
serves and connects 60 banks and 20 billing companies
using WAY4. After 150% revenue growth and 34% growth
in transaction flow, Finnet decided to migrate 2 more
switches to the WAY4 platform.
• Borica, a major processor in Bulgaria, launched a digital
transformation project on WAY4 to upgrade the card
business of over 30 banks in the region
• Bank Rakyat Indonesia, the largest microfinance
institution in the world, expanded its ATM network
on WAY4 from 3,000 to 18,000 terminals.
• National Bank of Bangladesh interconnects 49 regional
banks on WAY4
• 20+ white-label 3-D Secure e-commerce gateway
projects have been launched for our clients in various
regions.
Why WAY4 Switch & E-Commerce Gateway
• Significant cost reduction thanks to unprecedented
platform configurability
• Fast implementation, new payment method
addition in 1-3 weeks and shorter time-to-market
• Omni-channel services: POS, mPOS, EPOS, ATM,
e-commerce, contactless and mobile in-app
payments, chat bot, host-to-host
• Acceptance of cards and alternative payment
methods
• Groovy-based scripts to support international,
regional, and local protocols
• Flexible transaction scenarios based on price, risk,
geography and other parameters
• 3-D Secure 2.1 MPI
• Tokenization and m-commerce: QR, NFC (OEM
Apple Pay, Samsung Pay, Google Pay), HCE, Visa
Checkout, MasterPass, Alipay
• Certified by Amex, Diners Club, JCB, Mastercard,
Visa, Unionpay, national payment schemes and PCI
SSC (PA-DSS compliance)
• Cross-border, multi-currency, multi-bank schemes
• API, ISO 20022, ISO 8385, SEPA, SPDH, NDC+, Rest API
• In-memory grid for tokenization
21. 21
“SIX and OpenWay are leveraging their work together to design and implement a future-
proof solution to enable SIX bank customers to select their own strategy in payments “
SIX Payment Services presentation at OpenWay Club forum
“The new system not only gives Equity Bank a strong competitive advantage in cutting edge
technology and card management, but allows speedy and efficient transaction process in
real time, and in all currencies.”
James Mwangi, CEO of Equity Bank of Kenya
22. 22
Business models for Your Issuing Needs
Prepaid, e-money and gift payment instruments, with cards and accounts
shareable among family or friends
Revolving and charge credit cards with limits and fees that depend on
customer transaction activity
Virtual and one-time cards for mobile and e-commerce
Monetization of cardholder loyalty – personalized targeted cross-sales and
up-sales
Instalments generated automatically or selected at POS, e-commerce,
mobile channels
Customer-initiated transaction conversion into instalments
Microfinance and micropayments, payday loans
Remittances that are card-, account- and wallet-based
Multi-currency cards and accounts
Online, automated and scheduled payments and transfers from cards and
accounts
Corporate and fleet card issuing
Value-added services based on currency conversion, personal finance
assistant, data insight
API monetization
All-in-One Flexible Solution
• All-in-one card issuing and account
management platform
• White-label on-premise or cloud
implementation
• Comprehensive support from the
vendor: joint business analysis, clear
and concise requirements,
customization, training – before,
during and after launch, on-site
support
• New features introduced one step
ahead of the competition
• Early bird innovation
23. 23
Mobile Instalments on WAY4: look how it works from the customer’s perspective
Scan to watch the video on
instant instalments in mobile
now
goo.gl/VCu9Ko
Sdasdsd
24. 24
WAY4 Issuing Success Stories
• Equity Bank of Kenya runs its issuing and acquiring
business on WAY4 for over 10,000,000 clients.
• The largest retail bank in Eastern Europe uses WAY4 issuing
and acquiring back-office and authorization switch for
200,000,000 credit and debit cards and 3,200 t.p.s.
• SIX Payment Services, pan-European processing leader,
migrated 38 banks to WAY4 in just 15 months.
• Nets, top payment player in Nordics, serves issuing banks
in three countries, with a client portfolio of 1,000,000 cards
on WAY4.
• Tsesnabank migrated to WAY4 from BPC’s SmartVista with
goal to free staff “from routine procedures and have the
time and ability to develop business.” Migration was done
in the record time of only 4 months.
• Leading fleet card companies use WAY4 for online fleet
card, loyalty and level-3 data processing of 27,000,000
fuel and loyalty cards.
• Network International, a top Middle Eastern processor,
uses WAY4 to offer issuing, acquiring and switching
services to 30 banks in MEA region.
Why WAY4 Issuing
• Any type of cards and accounts: revolving,
instalment, charge, debit, prepaid, corporate,
virtual, gift, fleet, microloans, e-money
• Tokenization and m-commerce: QR, NFC (OEM
Apple Pay, Samsung Pay, Google Pay), HCE, Visa
Checkout, MasterPass
• Instant issuing of plastic and virtual cards and
secure paperless PIN delivery
• Flexible online back-office and authentication for
complete transaction lifecycle – from online
customer and product onboarding, account
opening, fees, commissions, events, counters and
card personalization through authentication,
payment/transfers, fraud prevention and dispute
assistance to accounting, clearing and settlement,
analytics and reporting
• Certified by Amex, Diners Club, JCB, Mastercard,
Visa, Unionpay and PCI SSC (PA-DSS compliance)
• Issuing loyalty programs based on transaction
data and customer profile
• Cross-border, multi-currency, multi-bank schemes
• Open Banking with rich API
26. 26
1st digital-only bank B1NK in Central Asia
attracted 100,000 new mobile clients in 12 months on WAY4.
"We want to be as simple as jeans and a smartphone."
Gani Uzbekov, CEO, B1NK
27. 27
Looking for Digital Banking Transformation?
Omni-channel digital banking
Branchless and agent digital banking
Social network banking
Personalized customer service beyond tiers and segmentation
Mobile interfaces, channels and scenarios native for the new generation
Digital customer journey: includes online customer onboarding, online
account opening and card generation, online loyalty and coupons, online
payments and transfers, personal finance assistance, and more
Personalized offers and interactive banners based on data insight and
customer profiling
Automated configurable workflows
Instant B2B and B2C payments and transfers
All-in-One Flexible Solution
• Omni-channel lifestyle banking software platform
• White-label on-premise or cloud implementation
• Comprehensive support from the vendor: joint business analysis, clear and
concise requirements, customization, training – before, during and after
launch
• Agile development and delivery, on-site support
• New features introduced to stay one step ahead of the competition
28. 28
Looking for a digital transformation? Stay one step ahead of your competition with the new
generation lifestyle banking
Scan to watch the video of
WAY4 Lifestyle Banking
solution now
goo.gl/v1A8oo
29. 29
Over 75% of internet users worldwide use messaging services on mobile devices.
Banks can use WAY4 Messenger Banking to create a chat bot for Facebook, Telegram, WeChat, Viber and Line,
and link it with any core banking and card processing system on the back-end.
The chat bot autonomously communicates with users and provides them information about bank services.
It can also manage customer cards and accounts, adjust security settings and make payments to friends and contacts.
30. 30
WAY4 Success Stories
• B1NK, the first digital bank in Central Asia, built
its business on WAY4 in just 9 months and
attracted 50,000 new clients during the first
year. Several months later, the bank and
OpenWay pleased the tech-savvy users with
the region’s first bank bot.
• AK Bars, a top 20 bank in Russia, runs its digital
projects on WAY4. The bank launched the
country’s first contactless wallet for an
international, multi-sport competitive event. The
guests used Watch2Pay – a wristwatch with
linked renewable prepaid Mastercard cards –
to tap and pay at thousands of local
restaurants, gas stations and boutiques.
Why WAY4 Digital Lifestyle Banking
• Omni-channel: mobile, PC, chat bot, iWatch, API, agent
banking
• Variety of services: payments and transfers, loyalty,
customer profile, utility services, bill presentment, online
deposit opening, informational services, sales and cross-
sales, personalized interactive banners, bill splitting, online
card issuance, online applications, management of limits,
currency exchange, personal targets, geo-services,
gamification, etc.
• Numerous payment instruments (accounts, cards, e-money
and wallet accounts) and payment interfaces (in-app, QR,
NFC, SMS, API)
• Multiple e-wallet features: enrolment of cards and
accounts of other banks, tokenization and contactless
payments
• Automated rule-driven workflows: application processing,
risk management, disputes, customer segmentation
• Various methods of customer authentication and payment
confirmation
• Personal finance assistant, transaction and customer
analysis for proactive personalized service
• Simple, convenient and configurable UI and scenarios
• Online integration with any core banking, CMS and other
systems
• 24/7/365 availability and high performance
32. 32
Create new revenue streams
1. Monetise your customer base with open banking APIs, account access, more
payments and value-added services
2. Quickly adapt your IT infrastructure to instant payments at minimum time & cost
3. Generate revenue on your own payment methods
4. Increase revenue streams with more payment and loyalty options
5. Become the preferred partner and intermediator for banks, PSPs,
consumer finance and insurance companies, merchants
and other payment players, and jointly promote online offers
6. Flexible rules for partners (pricing, risk, etc.)
7. Improve customer journey and increase profitability
with personalized financial and shopping assistance
8. Attract successful startups and other partner with API’s,
flexible pricing and high volumes capabilities
Be complete
• Unified platform for PSD2 hub, instant payments, e-commerce gateway,
ATM/POS switch, wallets, CMS and digital banking
• Online B2C and B2B services
• Account data aggregation, customer profiling
• PSD2 API directory service and ASPSP API support
• Payment gateway (PISP)
• Reconciliation: credit transfer and direct debit payment flows; SEPA
• Merchant portal and API
34. 34
Be ready
• 1-second response for instant payments
• PSD2 hub to play the roles of PISP, AISP, and ASPSP
• Parallel request processing
• Banking APIs
Be secure
• Online transaction risk analysis and RBA
• SCA (strong customer authentication)
with mobile-driven authentication SDK
• Merchant TRA-driven tokens
• PA-DSS compliance
Be open
• True 24/7 payment availability
• Development portal
• Analytics
Be on time
• White-label on-premise implementation
• Comprehensive support from the vendor: joint
business analysis, clear and concise
requirements, customization, training – before,
during and after launch
• Agile development and delivery, on-site
support
• Feature growth one step ahead of the
competition
• Early bird innovation
Be friendly
• Improve customer journey and increase profit
with personalized financial and shopping
assistance
• Seamless customer payment experience
• Help your customer select the most beneficial
payment method
Be the leader
Decide and implement open banking now
with WAY4 PSD2 Hub.