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ATM business in a mobile world
January 2016
• Issuing Support Debit
– Market leader in Austria
– 9,6 Mio cards in circulation
– 505 Mio POS purchases p.a.
– 140 Mio cash withdrawals p.a.
– 11,4 % growth p.a.
• Business services
– Card payment competence center for banks and merchants
– Business development for all products offered
– 3rd Level Customer Service
– Project implementation services
• ATM Acquiring
– Market leader in Austria
– 7.465 ATMs connected
– 12+ Brands accepted
– 112 Mio withdrawals p.a
• Operational services
– 24x7 Monitoring of infrastructure
– 24x7 customer hotline
– Charge Back Services
– Partner Management
– SLA Management
Core competencies of PSA
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All business numbers are form 2016
Flexible
• multivendor ATM application
• multivendor ATM management
• mobile integration
Focused
• understand the local requirements of the ATM markets Austria, Germany and Switzerland
Experienced
• founded in 1988
• 45,000 multivendor ATM installations
The multivendor expertise of SBS
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Independent
• in-house competence
• ATM test centre
• cooperation with ATM vendors
2002: Add EMV acceptance and video surveillance
2006: Migration to Windows XP and XFS Standard enable advertising on ATMs
2010: Total rebuild of ATM infrastructure including a new ATM-Application and an online Terminal Management System
1993: First DOS based “Bankomat” ATM application (IBM and BULL ATMs)
1996: Migration to OS/2 operating system and add PayChip* support
1999: Add Quick** support and check Y2K readiness
2000: Support of NCR ATMs
2001: Support of Wincor ATMs
2014: Migration to Windows 7
2015: Piloting NFC based chash withdrawals
2016: Showcase with „haptic touch“ Display
2017: Rollout NFC certified „Bankomat“ ATM Application
1993
2000
2005
2017
SBS & PSA – 24 Years of Business Partnership
*PayChip: First proprietary chip standard developed for Austrian debit cards **Quick: Austrian electronic purse
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The World Goes Mobile
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New Technologies and Requirements
• More than 300 Mio. new Smartphones per year enable innovative solutions such as eWallets
• Increased use of NFC technology
• Payment Service Directive II (PSD II)
• SEPA-Standard
• Regulation 2014
• Greenbook for Cards and e-/mCommerce
• Mobile
Source: Datamonitor, KPMG, Bloomberg, zanox, Euromonitor
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Changed customer behavior
• More than 80 % of bank customers use online banking
• Internet Surfing patterns – increasingly via mobile handsets (30 % growth)
• Declining importance of traditional branch concepts
• 35.000 Onlineshops in 13 European Countries
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Global Competition
• New Player enter the payment market
• Paypal is one of the largest online payment processor with more than 100 million registered users worldwide
• Apple Pay, Android Pay, Samsung Pay
• Host Card Emulation (HCE)
• FinTechs (figo, number26…)
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Mobile Payment Infrastructure
in Austria
Development of NFC Payments in Austria
• 2013: Launch of NFC card issuing
• 2017: ~90% of all debit cards support NFC
• 2017: ~55% of all POS terminals support NFC
• 2017: If POS Terminal supports NFC the NFC acceptance rate exceeds 41% for debit cards
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• 2015: NFC ATM pilot started in summer
• 2015: Mobile Maestro card launched in summer
• 2016: Mobile Wallet launched
OTA
OTA
Glossary
BSM: Business Service Manager MSISDN: Mobile Telephone Number PAN: Primary Account Number OTA: Over The Air
Merchant/ POS
ATM
BSM
PSA MSISDN + SIM + PAN
OTA PROVISIONING
WALLET Framework
Default Wallet
Debit carf
Credit card
LOYALTY Framework
BUSINESS Services
Bank B
Bank A
Bank C
Bank D
Mo
bile
Ne
two
rk O
pe
rato
rs
Fin
anci
al In
stit
ute
OTA
Issuing Host
Business Service Manager (BSM)
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PSA Wallet
PSA White-Label Wallet
Wallet- and Card Services
Loyalty Programs
P2P Money Transfer
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NFC in a Self Service Environment
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• Schemes push NFC technology (by 2020 all POS terminals must support NFC)
• NFC enables scheme based cash withdrawals also for mobile solutions
• Using NFC readers protect 100% against skimming!
• To provide a 100% mobile banking card,
access to self service machines must be included too
• NFC readers will become a standard component of self service machines
Why NFC for self service machines?
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Card wallet self service interface
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NFC ATM in Austria
• Mastercard TIP approval available for one NFC reader
• Rollout „Bankomat“ ATM application with NFC support
• additional approvals planned in 2017 for new NFC readers of
– Diebold Nixdorf
– Keba
– NCR
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PSA Payment Services Austria
Rennweg 46 – 50
1030 Vienna
Phone: + 43 1 717180
E-Mail: [email protected]
Web: www.psa.at
PSA contact details
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