BPC and SmartVista Overview

BPC and HP NonStop seminarAthens, 12th October,2011

Nigel Cox MD, Europe

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Company Snapshot

• Formed in 1995• Developer and distributor of SmartVista, the complete e-

payments solution• Global presence with offices in 11 countries – 280 FTE• Rapidly expanding client base – 80 clients in 24 countries

– Tier 1 clients include: Alfa-Bank, BNP Paribas, Dexia, Diners Club, Gazprombank, ING and Sberbank

• A culture of quality and delivery– ISO 9001:2008 certified

• Financially strong and profitable with multiple revenue sources

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Global Representation

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Offices

USA

Client Locations

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Some of our CustomersRussia

KazakhstanUzbekistan

Armenia

Ukraine Europe

Latin America

Asia Pacific

USA

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2010 Record Performance!

19x19x19 19 new clients 19 days a new client 19 countries (+ six in 2010)

Revenue Growth

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Russia

Uzbekistan ArmeniaUkraineEurope

USA

Asia Pacific

AzerbaijanAfrica

Customers 2009-2010

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Solution Overview and Key Design Principles

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Solution Overview

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• Authorization• On-line• Stand-in

• Switching & Routing• On-line fees and limits• ATM Monitoring• POS Management• On-line Fraud Prevention• International Payment

Scheme Interfaces• EMV script distribution

SmartVista Front-End

• Card Management• Merchant Management• Clearing & Settlement• Exceptions Processing• Fraud Monitoring & Analytics• General Reporting• Credit services• Loyalty programs• Fees, interest rates, MSC and

limits

SmartVista Back Office

• Full functional card personalization solution

• Magnetic stripe and EMV compliant chip cards

• Interaction with various CMS• Various personalization and

cryptographic equipment• PIN generation and printing

SmartVista CardGen

Builds from individual components to complete integrated solutions

• Payment gateway

• 3D secure• MPI• ACS

iPay

•In-house card processing•Issuer solution•Acquirer solution•Merchant processing

•Personalization center•TPP/MSP solution•Switch solution•Agent organization

• National payment network• Payment gateway• Integration bus• Payment services hub• Billing system

SmartVista Components

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Strategic Positioning

The Payment Services Hub

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Key Design Principals

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Platforms OS RDBMS Other soft

IBM Power Systems (System p, System i)HP Integrity Systems

(ML, DL, BL … all x86)

SUN SPARC Systems (M, T … all x86)

Stratus ftServerx86_64 systemsVMWare EXHP Integrity NonStop

HP HPUX 11IBM AIX 5.3, 6.1RedHat Linux 5SuSe Linux 11OEL Linux 5Sun Solaris 10IBM I (i5/OS)HP NonStop OS

J06 (OSS)

Oracle 9i, 10gR2, 11gR1, 11gR2

SQL/MX and DB9.7 (Cobra)

for SVFE

C compiler ( GCC, CC )PerlShellOracle ClientTACL and OSS shell

Technical Environment

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Consistently Ranked Amongst the Top Market Players

Comments from Gartner on BPC:• Experience in large banking environments• Flexible modern architecture• Detailed and well thought out solution road map• Flexibility of product and company to address customers with deep

customization needs• Strong pricing and TCO• Innovative on-line service and support• High service levels • Process methodologies that support innovation• Unremitting focus on quality• Client ability to leverage aggregated data to enhance their

customer relationship

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Case Study Sberbank

Solution characteristics Full functional in-house

processing center Full Grade/Full Option

MasterCard, Visa and EMV certifications

35,000 ATMs 18,000 Kiosks 240,000 POS 45M Cards 300 TPS Hardware: HP Integrity

SuperDome 32 cores Thales 8000 HSM

Business highlights Largest Bank in Russia (30%

market share) Client since 1996 Operates across 11 time

zones Principal Member of

MasterCard and Visa One of the biggest ATM

networks in the world Innovative services -

“Branch of the Future”

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Case Study Security Bank

Solution characteristics Full functional processing

solution and card management

Delivery channel integration: e-commerce, call center, internet banking

200 ATM 48,000 POS 850,000 Cards 40 TPS Hardware: HP rx6600 4 CPU

clustered Thales 8000 HSM

Business highlights Leading retail bank in

Philippines Client since 2004 Diners Club franchise holder Principal Member of

MasterCard Subscriber to BancNet local

ATM network Migration from ACI Base24 Migration from CTL Prime and

On-line

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Case Study Transilvania Bank

Solution Dimensions Full function in-house

processing center Full Grade/Full Option

MasterCard, Visa and EMV certifications

800 ATMs 12,000 POS 2.2M Cards 15TPS, 50,000 TPD Hardware - HP Superdome

8CPU clustered Thales 8000 HSM

Business Dimensions One of the largest private

banks in Romania Client since 2009 Principal Member of

MasterCard and Visa Full range of financial services TP-Gold and TP-CMS

replacement

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We Transform Client’s Payment Business

Scalability

Availability

Flexibility

Adaptability

Modularity

Profitability

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www.bpcbt.com

SeminarThe SmartVista alternative on NonStop