SlideShare une entreprise Scribd logo
1  sur  53
SAP Service to Cash for Banking

IBU Banking Solution Management
January 2012
SAP Service-to-Cash



Drivers      Solution   Value




References   Demo       Summary



                                  2
SAP Service-to-Cash



Drivers      Solution   Value




References   Demo       Summary



                                  3
Drivers         Solution         Value   References            Demo       Summary




                                        The Economical World is Under Pressure

                                        HYPER COMPETITION
                                                                                                        CHANGING BUSINESS MODELS
Drivers                                 •     Prices and margins are under
                                                                                                        •   Product to Services shift
                                              pressure
Under Pressure                                                                                          •   Multi-sided business
                                        •     Powerful „new“ market players
                                                                                                            relationships
Customer Centric                        •     Increasing customer demands
                                                                                                        •   Multi Convergence
Impacts                                 •     Immense Cost Pressure

Banking Scenarios




                                    INCREASED BUSINESS COMPLEXITY
                                                                                                                             Companies need to
                                    •       Companies need to leave their home turf                                        dramatically transform
                                    •       Highly dynamic markets drive a constant need for                              their business to survive
                                            change                                                                                and thrive
                                    •       Shorter innovation cycles and time-to-market

  © 2011 SAP AG. All rights reserved.                                                                                                           4
Drivers       Solution      Value       References          Demo         Summary




                                        Customer Centric: Retail Banking


Drivers
                                                                                        • Financial crisis                       Retain customers
Under Pressure                                                    Customers: More
                                                                                        • Regulatory pressures (i.e.             with a la carte
Customer Centric
                                         Product – based offers       Demand
                                                                                          Basel III, Dodd Frank)                 pricing
Impacts
Banking Scenarios                                                                       • Economies of Scale of                  Fight Competition
                                                                   Competition:           larger bank                            with faster Time to
                                                                     Global                                                      Market
                                                                                        • Market consolidation


                                                                   Technology:
                                                                  More measuring        • Mobile payments                        Handle large
                                                                   points, More         • Increased flexibility                  volumes of Data
                                                                      events



                                                         Leading to Services-based offers
                                                               Relationship (Tier, Service Level, Profitability based) Pricing
                                                               Consolidated Charging and Billing
                                                               New forms of Payments
                                                                             On Device Charging
                                                                             Convenience, flexibility, loyalty

  © 2011 SAP AG. All rights reserved.                                                                                                                  5
Evolution of SAP for Banking
As the Leader in Business Transformation

Integrated Enterprise Applications
                                                                                      Flexible E2E
                                                                    Decoupled          Processes
                                              Integrated         Banking Solutions
                                               Banking
          Cross-Industry                     Applications
            Solutions




         Real Time
         Computing                    Client Server
                                                            Web-enabled
                                                                                Enterprise SOA

Technology Platform & Architecture

                      ~ 1980             ~ 1990         ~ 2000                         Today


© 2011 SAP AG. All rights reserved.                                                                  6
Drivers      Solution    Value   References          Demo     Summary




                                        Hyperconnectivity: Impacts

                                                                                               •Time   to Market
Drivers                                                    New Services:
Under Pressure                                             Relationship-                       •Flexibility

Customer Centric
                                                           based pricing
                                                                                               •B2C   & B2B
Impacts

Banking Scenarios

                                                           Massive
                                                           Volume of                           •Scalability
                                                           Real-Time                           •Performance
                                                           Transactions




                                                           Rapid
                                                           Recombination                       •Settlement
                                                           of Value                            •Commissioning
                                                           Chains

  © 2011 SAP AG. All rights reserved.                                                                               7
Drivers      Solution      Value      References           Demo         Summary



                                        Business Model Innovation : Banking Scenarios
                                        Industry          Examples                             Value

                                        Banking           Smart fee structures which limit     • Avoid “statement shock” → happy
Drivers                                 general           direct debit overdraft charges       customers
Under Pressure                          Relationship      Charge based on customer value,      • Improved profitability, fee income
Customer Centric                        Pricing           profitability and service level      • Increased Customer Satisfaction

Impacts                                 Consolidated      One „source of truth‟ for customer   • Improved Customer Satisfaction, loyalty
                                        Fees / Billing    in online banking and                • Reduced revenue leakage
Banking Scenarios                                         consolidated bank statements
                                        Factoring         Working capital financing,           • Immediate Cash flow
                                                          Collection service, receivables      • Reduced operations cost
                                                          management                           • Improve Sales volume
                                        On Device         Smart phones, Tablets, online        • On Device Monetization & High Availability
                                        Charging          payments                             •Multi-Vendor Services
                                        High Volume       Credit card issuing to customers     • High Volume processing
                                        Credit Card       for easy accessible funds            • Complex partner settlement
                                                          unsecured loans
                                        Credit Bureau /   Helping creditors to determine the   • Additional service offerings
                                        Agencies          credit-worthiness of a particular    • Improved rating capabilities
                                                          applicant for credit.
                                        Capital Markets   Desire to automate fee               • Brokers live on the margin &
                                        / Exchanges       processing, remove current           profitability between fees for costs
                                                          manual processes, move to            and fees for revenues
                                                          more daily processing
  © 2011 SAP AG. All rights reserved.                                                                                                      8
SAP Service-to-Cash



Drivers      Solution   Value




References   Demo       Summary



                                  9
S2C - Integration to the Banking Solution Portfolio

                                                  Customer & Employee Channels


   Voice                     IVR               E-mail                 Fax           Mobile      Bank Channels          Mobile

                                   Customer Relationship Management                                      Enterprise Business
            Marketing                                   Sales                       Service                    Support

                                      Customer Information Management                                           General Ledger

                                   Products and Transactional Banking
                                      Master Contracts – Product Bundling                                   Cost Management

            Deposits                                Loans                           Leasing
                                                                                                            Human Resources
       Service to Cash                            Collaterals                    Syndications

                                             Analytical Banking                                                  Procurement
                                                                             Financial Performance
        Bank Analyzer                         Price Optimization
                                                                                 Management
                                                                                                            Corporate Services
     Information Discovery & Delivery                           Enterprise Information Management

                                                   SAP Business Process Platform
        User Interface/                       Business Process
                                                                              SOA Management         Connectivity & Integration
        Shared Utilities                        Management

© 2011 SAP AG. All rights reserved.                                                                                              10
Service to Cash
End-to-End Solutions & Applications
                                Relationship Pricing                         Consolidated Customer Billing
                                                                Business Intelligence
                                                                                                            Customer
                                                             Billing &               Revenue &              & Partner
                                         Fee
                                                             Payment                 Expense                Relationshi
      Payments                           Calculatio
                                                             Statement               Manageme               p
                                         n Engine
                                                             s                       nt                     Manageme
                                                                                                            nt
                                                                Accounts Payable / GL


                                         SAP                                        SAP          Customer &
                                                               SAP
SAP Payment                           Convergent
                                                                                 Customer          Partner            Business
                                                           Convergent                                                Intelligence
  Engine                                                                         Financials      Relationship
                                       Charging             Invoicing           Management       Management

                                  Real-Time & Batch       High Volume         Account            Financial       KPI Analysis
                                   Transaction              Billing Detail       Receivable          Customer &      SLA Tracking
                                   Processing              Configurable        Payment Posting     Partner Care    Dashboards
                                  Flexible fee pricing     Statements          Dispute Mgmt       Web Channel
                                   capabilities            Multiple Input      Credit Mgmt
                                  Embedded                 Streams             Electronic Bill
                                   Settlement                                    Presentment and
                                   Calculation                                   Payment

© 2011 SAP AG. All rights reserved.                                                                                             11
SAP Convergent Charging Solution
Innovative Technology: Decision Trees




Old: Code-Driven                      New: Business
                                      Configuration
© 2011 SAP AG. All rights reserved.                   12
SAP Convergent Charging Solution
Automated Management of Revenues & Costs




© 2011 SAP AG. All rights reserved.        13
Service to Cash - Relationship Pricing
               Relationship Pricing                Consolidated Customer Billing

                                       Business Intelligence


                      Fee             Billing &             Revenue &             Customer &
                      Calculation     Payment               Expense               Partner
                      Engine          Statements            Mgmt                  Relationship
                                                                                  Mgmt
                                       Accounts Payable / GL


“We can create combined statements, but we can‟t          Examples of fee-types supported by SAP:
   combine our fee calculations for relationship
   pricing…”                                               One-time or event driven fees:
                                                           • Configurable flat fee
   Many banks have acquired systems that can              • Fee can be waived per account
    create a combined statement, but these systems         Periodic – e.g. flat monthly recurring charges:
    only aggregate the fees calculated by legacy           • Configurable recurring charges
    applications                                           • Charged at service activation date (not prorated)
   Relationship pricing models are very hard to           Fee per transaction / usage fees:
    create and control using spreadsheets                  • Deposit fee - flat fee
                                                           • Transaction fee - volume/amount * price + percent
   Manual fee calculations have poor process                % (service fee) of computed price
    controls resulting in very high error rates            • Wire fees – threshold tiered pricing

© 2011 SAP AG. All rights reserved.                                                                              14
Service to Cash
Scenario 1: Relationship Pricing
                                      What is Convergent Charging when we talk about Fees
                                         and Relationship Pricing?
                                         Relationship pricing involves looking at the customer from the
                                          perspective of a bundle of products and services
                                         Typically, each product and service has its own fee structure and
                                          pricing logic (also referred to in Banking as “counters” or
                                          “calculations”)
                                         Convergent Charging “converges” or settles multiple, complex
                                          fee structures for multiple products and services and prepares the
                                          fees to be submitted to the accounting sub-ledger.


                                      Example of transaction convergence affecting fees:
                                         Scenario 1 - Number/value of credit card transactions determines
                                          checking fee
                                                 5 transactions or $1000 = fee reduced to $5
                                                 10 transactions or $4000 = fee waived
                                         Scenario 2 - Enable loyalty program tracking
                                                 Use debit/credit card 10 times and receive 1000 rewards
                                                  point (points assigned instead of fees)
                                                 Reward program assigns small share of revenue to Airline
                                                  Partner (partner settlement)




© 2011 SAP AG. All rights reserved.                                                                         15
Service to Cash
Scenario 2: Consolidated Customer Billing

“Our customers want a single monthly
   statement but we can‟t pull the data
   together…”
   Some banks are satisfied with their fee
    calculators, but don‟t have a system that
    can create a combined statement.
   Combined statements are often manually
    generated using spreadsheets and data
    marts. Manual statements have poor
    process controls resulting in very high error
    rates.
   If a customer makes a single payment for a
    manual statement, the bank will have
    difficulty allocating and reconciling the
    payment.




© 2011 SAP AG. All rights reserved.                 16
Service to Cash
Scenario 3: High Volume Credit Card processing

“We need a to be accommodate flexible
   pricing for our trade finance and invoice
   factoring business…”
   Issuing Credit Cards is an important source
    of income for the card issuing bank and the
    most common form of unsecured loans
   As an example an online Credit Card
    purchase cycle. Usually there are five
    parties involved: the consumer, the
    merchant, a clearinghouse, the merchant
    bank, and the consumer‟s card issuing
    bank which could be the same as the
    merchant bank




© 2011 SAP AG. All rights reserved.               17
Scenario 4: SAP OnDevice Charging:
 Moving Rating Engine & Business Logic onto Smart Cards

 Pricing offer is created               Rating Engine + business logic:         The business logic on the device
 on a centralized system.               containing personalized version of      calculates price to pay - in offline or
                                        the offer loaded onto user’s device.    online mode.

       SAP ODC Server                                                                                       Smart Mobile
                                                                                                            Wallet /
        Embeddable
                                                                                                            Personalizing
          Offer
                                                                                                            NFC Service
                                                                                                            offers


                                                                                                               Intelligent
                                                      Business Logic +                                         Charging for
                  =                                  User’s Account Data
                                                                                                               data / content /
                  +                                                        Transactions
                                                                                                               Apps / Ad
                                                                                                               venue
           Set of                                                           & Control
        subscription
         parameters                                                                                         Convenience /
                  =                                                                                         Real-time cost
         Embeddable                                                                                         Mgmt / Anti Bill
         Subscription                                                                                       Shock / Security /
                                                                                                            Merchant
Strength:                                                                                                   Discounts
Smart loyalty / SVA – Personalized offers
for online & offline services
  © 2011 SAP AG. All rights reserved.                                                                                       18
Service to Cash
Scenario 4: Benefits of OnDevice Charging
                                      Business logic stored on the device
     On-Device Monetization           can be executed in both online and
                                      OFFLINE modes

                                      No single point of failure / Scalable -
     High Availability                central platform does NOT need to be
                                      highly resilient – LOW TCO

                                      Promotions, discounts etc. from
     Multi-Merchant Services
                                      multiple merchants on the SAME
                                      device – allows for special value prop
                                      to bank’s merchant customers

                                      Enable PERSONALIZED service
     Customer Centricity              offers and charging models, REAL-
                                      TIME access to balances & counters

     Consumer Data Privacy            SENSITIVE consumer data remains
                                      on the device. Tight Security
     & Security                       management PREVENTS corruption
© 2011 SAP AG. All rights reserved.                             Confidential   19
Scenario 5a: Factoring - Ecosystem



            Seller (Bank‟s Customer and non-                             Debtor (account debtor, or
                              Customers)                                    customer of the seller)
                                                         2


                                         1   Charge a percentage and a      Debtor is notified
                                             discount
sells one or more of its
invoices (the receivables)                                                                            4
at a discount to the third                                                              3
party
                                                  Factor (Bank)


                                                                                Collection




   © 2011 SAP AG. All rights reserved.                                                                    20
Service to Cash
Scenario 5a: Invoice Factoring

 It is a financial transaction whereby a business sells its Accounts Receivable
  (AR, i.e. invoices) to a third party (factor) at a discount
 Factor provides financing to the seller of the AR, often 70-85% of the
  purchase price of the accounts (net of the factor's discount fee (commission)
  and other charges etc.)

Advantages:
 Fast and Safe increase of working capital
 Improves cash flow without hassle of Commercial Loans
 Offer better payment terms to customers
 In addition, S2C allows Factors to create automated combined statements
  improving process controls and reducing error rates




© 2011 SAP AG. All rights reserved.                                                21
Scenario 5b: Reverse Factoring - Confirming

                                                            Send Invoices
                                                        1


                Ordering Party (Bank’s
             Customer and non-Customers
                                                                                 Supplier
                                                             5


                                          2   Withdraw amount from their    Publish Invoices and credit
                                              bank account on invoice due   quotation for payment in
Upon agreement, supplier's                    date
invoices are transferred to                                                 advance                           4
the bank
                                                                                       3

                                                   Factor (Bank)


                           SAP Service                                          Accept credit quotation and
                           to Cash                                              receive payment in advance

                           Customer



    © 2011 SAP AG. All rights reserved.                                                                           22
Scenario 5b: Confirming - Definition


Confirming (Reverse Factoring)
 Complete payment services managed by Bank (Factor) instead of customer
 Factor deducts commission/fee for advance from payment
 Customer (Ordering party) starts the process – usually a large company – choosing
 invoices that should be paid in advance
 Supplier verifies need for immediate payment of invoices
 Fairly collaborative process between the ordering party, the supplier and the bank (factor)

 Advantages:
 Possibility of receiving advances on collections
 Simplified Payment processing
 Improved Payment terms and cash flow
 Immediate financing supplier‟s receivables




© 2011 SAP AG. All rights reserved.                                                         23
Scenario 5: Factoring & Confirming – Opportunity




     Current challenges                            Market drivers                         Opportunity

      Simple and integrated             The factor provides immediate working         Real time quotation
       architecture to launch             capital to the supplier and supports           capabilities
       Factoring LOB                      better payment terms, immediate cash
                                          flow and reliable business transactions       Full auditable revenue
      No real-time quotation                                                            stream of each single
       capabilities                      The factor provides a durable business         transaction (accounts
                                          relations and credibility as everyone          receivable and
      Need for full auditable            benefits (ordering party and supplier)
                                                                                         accounts payable)
       revenue stream of each
       single transaction                The factor consolidates processes for
       (accounts receivable and           the ordering party and presents besides
       accounts payable)                  a single point of contact added security
                                          and convenience for its banking clients



© 2011 SAP AG. All rights reserved.                                                                            24
Service to Cash
Scenario 6: Credit Bureau Charging

                                                  Charge fees
           Commercial Customer                                                 Retail Customer

                                                                Customer Credit Profile




                                                                                SAP Convergent
                                                Credit Bureau                      Charging
                                                                                  Prospects



                      Customer Credit Profile                           Customer Credit Profile
                                                  Charge fees



                              Banking &                                  Insurance
                           SME/Microfinance                (automobile collision and comprehensive
                                                           insurance, life insurance, loan insurance and
                             Enterprises                   accident and disability insurance.)




© 2011 SAP AG. All rights reserved.                                                                        25
Scenario 6: Credit Bureau Segment – Opportunity


                                        Market drivers
                                        Consolidation, recombination, increased
                                        competition, adjusted business models


              Opportunity
                                       New value-added-services such as risk-based
                                        scoring, address verification, alerts…
                                       Requirement for a flexible relationship pricing engine
                                       Process fee / pricing calculation in real time and
                                        batch
                                       Real time quotation capabilities
                                       Rapid fee structure changes, quicker time to market
                                        for new products
                                       Scalability to handle large volumes of records per
                                        second
© 2011 SAP AG. All rights reserved.                                                              26
Scenario 7:
Sub-Segments in Capital Markets and Fee Flow

                  Buy-side Firms                       Charge fees
                Mutual Funds, Hedge                                               Commercial Firms.
           Funds, Insurance Companies, etc.




                                                                        Buy through
                                                                                                Buy through
                                                  Sell-side Brokers
                                                  Prime brokers, Inter-dealer
                                             brokers, Banks, Futures Commission
                                                       Merchants, etc.
SAP
Convergent
Charging                    Trade through                                         Clear & settle through
Prospects                                                Charge
                                                          fees                                             SAP
                                                                                                           Convergent
                                                                           Clearing Houses                 Charging
                                      Exchanges                           Clearing houses, Settlement      Customers
                                                                       Systems, Custodial Services (CSD)




© 2011 SAP AG. All rights reserved.                                                                                 27
Scenario 7 : Capital Market – Opportunity




        Current Challenges                     Market Drivers                        Opportunity
        Existing systems are            Potential customers and               Brokers live on the margin
         typically homegrown              technology providers agree that        & profitability between fees
         systems                          fee management is a pain point         for costs and fees for
                                                                                 revenues
        Requirement to manage           Discounting & bundling to retain
                                                                                Opportunity to innovate by
         fee structure complexity         favored customers
                                                                                 proposing that total cost of
                                         Possible move to using fee             trade becomes a factor in
        Desire to automate fee
         processing, desire to            pricing as a strategic part of         choosing a venue for a
         remove current manual            business model innovation              trade (making it visible in
         processes, move to less          (e.g., Exchanges charging for          the front-office)
         month-end                        bandwidth instead of just per
         processing, more daily           trade)
         processing

© 2011 SAP AG. All rights reserved.                                                                       28
Service to Cash
Scenario 8: Business Intelligence & Reporting
                                Relationship Pricing              Consolidated Customer Billing
                                                        Business Intelligence



                                      Fee              Billing &                 Revenue &                 Customer &
      Payments                        Calculation      Payment                   Expense                   Partner
                                      Engine           Statements                Management                Relationship
                                                                                                           Management

                                                        Accounts Payable / GL

                                                                     Service-to-Cash Analytics Dashboard

“Our customers want to be able to analyze their
      monthly account activities and fees to better
      understand their expenses.”
   Now banks can offer easy to use reporting
    tools to their commercial and retail customers
    instead of basic data downloads.
   Customer data analysis needs to be intuitive
    and easy to use, and should be available in
    real time or near-real time.
   S2C offers integrated Business Intelligence

© 2011 SAP AG. All rights reserved.                                                                                       29
SAP Service-to-Cash



Drivers      Solution   Value




References   Demo       Summary



                                  30
Drivers      Solution       Value       References           Demo            Summary




                                      Service-To-Cash : Value Proposal


Value

Flexibility                                     Business Flexibility
                                                  Price, package, Bundle, promote your services and share revenue with partners
Deployment                                        while maximizing profitability and reducing Time-to-Market

Low TCO

Unified View                                    Deployment Flexibility
                                                  Set of componentized software which can interoperate amongst themselves and
                                                  with legacy and third party systems



                                                Low TCO
                                                  Market-leading high performance on cost effective hardware and dramatically
                                                  reduced OPEX




                                                Enhancing Customer Experience
                                                  Unified view of customer‟s services, subscriptions, balances and usages




© 2011 SAP AG. All rights reserved.                                                                                               31
Service-to-Cash - Value Proposition
                                   Clients                                                               Client Satisfaction
                                                           Clients Demands
                                                            New Innovative Services
                                                           Relationship Based Pricing
                                                            On-Demand Price Quotes
                                                          Real-Time Analytics & Reports
                                                            Consolidated Statements

                          Client Transactions


Bank/Broker                                          Business Intelligence

Demands                                                                                                   Bankers/Brokers
Client Satisfaction                                                                       Customer &        Profitability
& Retention                            Fee           Billing &        Revenue &
                                                                                          Partner
Automated Straight-Through             Calculation   Payment          Expense
                                                                                          Relationship
Processing                             Engine        Statements       Management
                                                                                          Management
Audit-ability, Accuracy
& Transparency
Platform Consolidation
                                                     Accounts Payable / GL

                           Financial Services
                               Partners

                                                            Value Chain Demands
                                                          Real-Time Revenue Management &Sharing
                                                                       Flexible SLAs
                                                               Real-Time Analytics & Reports              Partner Loyalty
 © 2011 SAP AG. All rights reserved.                                                                                    32
SAP Service-to-Cash



Drivers      Solution   Value




References   Demo       Summary



                                  33
Drivers   Solution   Value   References   Demo   Summary




                                      Service-To-Cash : References


References

High Tech
Transportation

Postal &
Logistics

Telecom

 Media

 Financial
 Services

 Other




© 2011 SAP AG. All rights reserved.                                                                  34
Drivers          Solution   Value           References             Demo           Summary


                                                                                                                                               Q2 2011
                                                                                                                                                LATAM
                                 S2C in Financial Industry : Banco Popular                                                                       C2C




                                                                                             Customer Business Issues solved
References                                                                                   •   Need for a solution to support the roll out (full
                                                                                                 automation) of a new line of business called
Banco Popular                                                                                    “Factoring” – a customers accounts payable
                                                                                                 operations
LCH.Clearnet
                                          Banco Popular Dominicano
Groupama                              BPD is the largest private bank in                 Why SAP Service to Cash - Benefits
                                        the Dominican Republic, with a                   •       Allows BPD to act as the customer‟s payment agent
                                      significant market share of 23% in                         in front of suppliers and contractors, providing them
                                      terms of total assets at end 2010.                         with an effective and low-cost way to make their
                                                                                                 payments. Suppliers will additionally be able to
                                       BPD is the main subsidiary of                             manage invoices that are covered by the customer‟s
                                       Grupo Popular, S.A. (GPSA), a                             payment orders at any BPD branch.
                                         holding company for mostly                      •       Ability of C2C / S2C to support the complete
                                         financial subsidiaries in the                           business process.
                                                  Dominican
                                      Republic, Panama, and the U.S.                     •       Capacity to handle supplier real time quotation and
                                      with consolidated assets of more                           credit generation, invoicing and account receivable
                                        than USD5.9bn at end 2010.                               and payable




                                                                                             Solution
                                                                                             •    Full Service-to-Cash Platform (SAP Service-to-
                                                   Finance                                        Cash)


© 2011 SAP AG. All rights reserved.                                                                                                                    35
Drivers           Solution   Value           References             Demo           Summary


                                                                                                                                              Q4 2007
                                                                                                                                              EMEA
                                 S2C in Financial Industry : LCH.Clearnet                                                                     CC (HD)


                                                                                       Customer Business Issues solved
                                                                                       •       Looking for a group-wide safe, effective and reliable
References                                                                                     fee billing system;
                                                                                       •       Flexibility to accommodate current and foreseeable
Banco Popular                                                                                  future fee structures, markets and Trade Sources;

LCH.Clearnet                           LCH.Clearnet is the leading                     •       Effective reporting to both internal users and external
                                       independent clearing house                              Clearing Members;
Groupama                           group, serving major international                  •       Provision of daily billing data to Clearing Members to
                                   exchanges and platforms, as well                            enhance their reconciliation processes and
                                     as a range of OTC markets. It                             allocation of costs to their own customers;
                                     clears a broad range of asset
                                            classes including:                         •       Reduce operating and development costs
                                       securities, exchange traded
                                  derivatives, commodities, energy, fr                 Why SAP Service to Cash - Benefits
                                    eight, interest rate swaps, credit
                                  default swaps and euro and sterling                  •       Flexibility for new product introduction
                                    denominated bonds and repos;
                                                                                       •       Add new members easily and automatically
                                    and works closely with market
                                                                                               produce detailed monthly invoices
                                     participants and exchanges to
                                      identify and develop clearing                    •       Handle millions of transactions per day with
                                    services for new asset classes.                            robustness, reliability and low TCO


                                                                                           Solution
                                                                                           •   SAP Convergent Charging (Highdeal Charging &
                                                                                               Billing Platform)
                                               Finance

© 2011 SAP AG. All rights reserved.                                                                                                                36
Drivers         Solution   Value           References              Demo           Summary


                                                                                                                                           08 2011
                                                                                                                                            EMEA
                                 S2C in Financial Industry : Groupama                                                                      CC (HD)




References                                                                              Customer Business Issues solved
                                                                                        •    Replaced in-house commissioning system
Banco Popular                                                                           •    Manage targets, calculate payouts
LCH.Clearnet                      Established over 100 years ago                        •    Allow for short-term commission plan changes
                                        in the French farming
                                                                                        •    Management of life & annuity products
Groupama                          community, Groupama is now a
                                  major European insurance and                          •    Lifecycles of commissions as client accounts vary
                                  banking group with over 39,000                             over time and as agents trade contracts
                                   employees worldwide, serving
                                  over 16 million customers in 14
                                               countries.                           Why SAP Service-to-Cash Benefits
                                  Groupama generates revenues                       •       Ability to handle core commission modeling and
                                    of €17.6 billion, has assets                            payout calculations
                                     under management of €88                        •        Providing functionalities to ensure full traceability
                                      billion and profits of €398                           of all transactions and management of historical
                                  million*. The group reinvests its                         contexts
                                  profits into the business for the
                                  ultimate benefit of its members
                                             and customers

                                                                                    Solution
                                                                                    •       SAP Convergent Charging (Highdeal Charging &
                                                                                            Billing Platform)
                                               Finance

© 2011 SAP AG. All rights reserved.                                                                                                              37
SAP Service-to-Cash



Drivers      Solution   Value




References   Demo       Summary



                                  38
Drivers       Solution        Value        References           Demo           Summary




                                      Service-to-Cash Demo


Demo
                                                      Convergent Charging Demo #1
Demo
Testimonial

                                                                        Accounts Receivable


                                                   Pricing,            Invoicing &             Revenue &           Customer &
                                                   Rating,               Payment                Expense              Partner
                                                  Charging             Statements             Management            Financial
                                                                                                                      Care

                                                                          Accounts Payable
                                           SAP Convergent         SAP Convergent
                                                                                           SAP Customer Financials Management
                                             Charging               Invoicing
                                           Pricing & Charging    Convergent          Revenue Management  Financial Customer Care
                                            Model Design           Invoicing           Credit Management        Collections Management
                                           Pricing Simulation                         Online Bill Presentment  Dispute Management
                                           Converged
                                            Prepaid, Postpaid
                                            & Hybrid Charging




© 2011 SAP AG. All rights reserved.                                                                                                        39
Drivers       Solution        Value        References           Demo           Summary




                                      Service-to-Cash Demo


Demo
                                                      Convergent Charging Demo #2
Demo
Testimonial

                                                                        Accounts Receivable


                                                   Pricing,            Invoicing &             Revenue &           Customer &
                                                   Rating,               Payment                Expense              Partner
                                                  Charging             Statements             Management            Financial
                                                                                                                      Care

                                                                          Accounts Payable
                                           SAP Convergent         SAP Convergent
                                                                                           SAP Customer Financials Management
                                             Charging               Invoicing
                                           Pricing & Charging    Convergent          Revenue Management  Financial Customer Care
                                            Model Design           Invoicing           Credit Management        Collections Management
                                           Pricing Simulation                         Online Bill Presentment  Dispute Management
                                           Converged
                                            Prepaid, Postpaid
                                            & Hybrid Charging




© 2011 SAP AG. All rights reserved.                                                                                                        40
Drivers   Solution   Value       References       Demo         Summary




                                      Service-to-Cash Testimonial


Demo

Demo
Testimonial

                                                                             “SAP Convergent Charging gives us
                                                                            the freedom to react quickly to market
                                                                              demands and be very creative with
                                                                                 our price plans and bundles.
                                                                            “We can adjust our price plans in real-
                                                                                time without disrupting service.
                                                                             Giving us a real advantage in keeping
                                                                                  ahead of market demands.”
                                                                                                     Akan Ismaili
                                                                                                     CEO of IPKO




© 2011 SAP AG. All rights reserved.                                                                                   42
SAP Service-to-Cash



Drivers      Solution   Value




References   Demo       Summary



                                  43
Drivers    Solution   Value   References      Demo       Summary




                                      From Products to Services Everywhere


Summary

Business Trends
                                                                                 Service based Industries
                                                                                 Service based Industries
Service-To-Cash                                 New
                                                New
                                                                                 Telecommunication
                                                                                 Telecommunication
Value                                          Pricing
                                               Pricing
                                               Models
                                               Models                            Media
                                                                                 Media
References
                                                                                 High Tech
                                                                                 High Tech
                                              Manage
                                              Manage                             Transport & Logistic
                                                                                 Transport & Logistic
                                             Uncertainty
                                             Uncertainty                         Postal
                                                                                 Postal
                                                                                 Finance
                                                                                 Finance
                                       Changing
                                        Changing         Massive
                                                         Massive
                                      Value Chains
                                      Value Chains       Volumes
                                                         Volumes                 And… elsewhere!!
                                                                                 And… elsewhere!!




© 2011 SAP AG. All rights reserved.                                                                          44
Drivers       Solution         Value        References          Demo          Summary




                                      The Service-to-Cash Platform


Summary
                                                                                                                           Financial
                                                                   Deliver        Price &        Bill &      Collect &
                                       Offer          Order                                                                Customer      Analytics
Business Trends                                                    Service        Charge         Settle        Pay
                                                                                                                             Care

Service-To-Cash

Value                                                                                         SAP Service-to-Cash

References


                                                                         Accounts Receivable


                                                    Pricing,            Invoicing &              Revenue &          Customer &
                                                     Rating,              Payment                 Expense             Partner
                                                    Charging            Statements              Management           Financial
                                                                                                                       Care

                                                                             Accounts Payable
                                               SAP Convergent      SAP Convergent
                                                                                            SAP Customer Financials Management
                                                 Charging            Invoicing




© 2011 SAP AG. All rights reserved.                                                                                                          45
Drivers     Solution      Value      References         Demo         Summary




                                      Service-to-Cash : Value Proposal


Summary
                                                 Business Flexibility
Business Trends
                                                   Price, package, promote your services and share revenue with partners
                                                   while maximizing profitability and reducing Time-to-Market
Service-To-Cash

Value

References                                       Deployment Flexibility
                                                   Set of componentized software which can interoperate amongst themselves
                                                   and with legacy and third party systems


                                                 Low TCO
                                                   Market-leading high performance on cost effective hardware and
                                                   dramatically reduced OPEX




                                                 Enhancing Customer Experience
                                                   Unified view of customer‟s services, subscriptions, balances and usages




© 2011 SAP AG. All rights reserved.                                                                                          46
Drivers   Solution   Value   References   Demo   Summary




                                      Service-to-Cash : 300+ References Worldwide


Summary

Business Trends

Service-To-Cash

Value

References




© 2011 SAP AG. All rights reserved.                                                                  47
Appendix




 © 2011 SAP AG. All rights reserved.   48
SAP On-Device Charging Overview &
SAP CC relationships

 The On-Device Charging solution takes our SAP Convergent Charging solution and
produces a "light" version running on secure elements such as smart cards, SIM
cards, ...”

 This can then be embedded into end devices such as mobile (NFC) phones, multi-
services cards, EMV cards, smart meter, on-board-units in vehicles, set-top-boxes, M2M
devices, tablets, smart phone ..., thus allowing billions of devices to perform
pricing, rating, charging, balance-management, business logics and loyalty functions
locally, in an off-line mode (but also in an online mode or both).

 The SAP On-Device Charging is completely based on SAP Convergent Charging data
model. Thanks to a patented compiler, ODC will be able to transform and adapt the
business logics defined and stored in SAP CC by the service providers, for generating on
the fly the related program running on the secure element.

   SAP ODC supports the SAP CC main features :
           Rate/charge any kind of service,
           Implement some flexible business logics,
           Cascade and compose price plans for multi-partners business models

© 2011 SAP AG. All rights reserved.                                                        49
B2B2C Banking use cases
ODC – Virtual Wallet vs. Private Payment vehicle

 In addition to existing offline payment means, such as Credit (Smart) Cards more and more
banks provide some prepaid card based on wallet and eMoney. A wallet can be viewed as a
balance which is debited at purchase time

 ODC could be used to control the usage of such virtual wallets and banks could propose
virtual wallets services to companies / institutional org / third party:
                 Example 1: A virtual wallet could be offered by the bank to local / federal
                 government to aid in controlling the usage of funds i.e. social benefits according to
                 specified rules. ODC can implement those rules to authorize or reject the usage of
                 funds belonging to the related „social wallet„.
                 Example 2: A virtual wallet infrastruture offered by the bank could also improve third
                 party services i.e. payment devices related to healthcare
                 benefits, city/citizen, companies, student, transportation card, military etc.




 © 2011 SAP AG. All rights reserved.                                                                     50
Smart Mobile Wallet: General architecture overview

                                                                                                           Mobiliser Platform
                                  NFC Handset
                                                                                                            Wallet Content Mgt
                 Mobiliser Smartphone Wallet                                                                      Server




                                                                                         OTA Interface
                                                                   Proxy
                                                                           Wireless




                                                                    OTA




                                                                                                                                            Security
                    Debit         Banking      Loyalty                                                      Integration Services
                                   Pay Bill      Retail                    Network
                                  Transfer

                                                                                                                ODC Server
ODC
                        Application Processing Env                                                           SmartTrust TSM
                                                                                                                Enabler
                                       Rich OS

                       SWP         Drivers & Stacks
                        SIM               NFC             Sec El                                                         TSM hub
                                                                                                              SmartTrust Delivery Platform
                                  Sec-Elt 2
                             Sec-Elt 1                                                                                Global Platform Card
                                ODC Cards (SVA                                                                        Management System
                                  + BizLogic
                                   Cards
                            (loyalty, paymen
                               t, …) Offers

                                                                                                              Service Providers
                                 NFC Controller
                                                                               Payment                   Payment         Merchant Loyalty
                                                                                                            SP              Systems
                                                                               Network
                                                 Contactless POS                                          Coupons          Banks &
                    NFC Tag                      Payment Terminal                                        Aggregator        Financial



© 2011 SAP AG. All rights reserved.                                                                                                                    51
Smart Mobile Wallet Proposal

Build a SAP-Sybase end-to-end “Mobiliser Smart Mobile Wallet” platform allowing user
to deploy online services but also NFC services with the following characteristics:
•       end-to-end common services (remote and proximity):
        mBanking, mPayment, mRemittance, loyalty, couponing, vouchers
•       Complements existing Sybase Mobiliser front & backend.
•       Integrated ODC for smart SVA, loyalty with real-time management/redemption, offer
        personalization, offline charging
•       Includes Mastercard Paypass NFC payment service developed by G&D.
•       Interfaces with G&D SIM/OTA solutions (SmartTrust NFC Enabler, SE, TSM hubs)
•       Open to support external cards from other service providers (transportation, etc.)
•       Ability to host future SAP mobile business applications requiring a Secure Element.




    © 2011 SAP AG. All rights reserved.                                                       52
Mobile Payment tools overview

Payment performed with a mobile device which can be charged on:
 Banking card/account
 Carrier bill
 Electronic wallet

Three categories for mobile payments:
 Remote payment
 Proximity payment – connection with a merchant payment terminal / POS –
 Mobile to mobile money transfers

Several technologies can be used by mobile payments according to usage
 Communication: SMS, USSD, Vocal server, mobile internet, NSDT, NFC, Bluetooth, QR-code
 Security: Secure Element, Cryptographic server, Trusted Execution Environment

Characteristics of mobile payments
 Online/Offline payment: requires an OTA connection at payment time
 Synchronous/Asynchronous payment: the account transfer is done later


 © 2011 SAP AG. All rights reserved.                                                  53
© 2011        SAP AG. All rights reserved.
 SAP, R/3, SAP NetWeaver, Duet, PartnerEdge, ByDesign, SAP
 BusinessObjects Explorer, StreamWork, and other SAP products and
 services mentioned herein as well as their respective logos are trademarks
 or registered trademarks of SAP AG in Germany and other countries.
 Business Objects and the Business Objects logo, BusinessObjects, Crystal
 Reports, Crystal Decisions, Web Intelligence, Xcelsius, and other Business
 Objects products and services mentioned herein as well as their respective
 logos are trademarks or registered trademarks of Business Objects
 Software Ltd. Business Objects is an SAP company.
 Sybase and Adaptive Server, iAnywhere, Sybase 365, SQL Anywhere, and
 other Sybase products and services mentioned herein as well as their
 respective logos are trademarks or registered trademarks of Sybase, Inc.
 Sybase is an SAP company.

 All other product and service names mentioned are the trademarks of
 their respective companies. Data contained in this document serves
 informational purposes only. National product specifications may vary.
 These materials are subject to change without notice. These materials
 are provided by SAP AG and its affiliated companies (“SAP Group”)
 for informational purposes only, without representation or warranty of
 any kind, and SAP Group shall not be liable for errors or omissions with
 respect to the materials. The only warranties for SAP Group products and
 services are those that are set forth in the express warranty statements
 accompanying such products and services, if any. Nothing herein should be
 construed as constituting an additional warranty.




                                                                              54

Contenu connexe

Tendances

Smart menu lecture 6 revenue model
Smart menu lecture 6 revenue modelSmart menu lecture 6 revenue model
Smart menu lecture 6 revenue modelStanford University
 
Marcelo cabane ibm - ecommerce day
Marcelo cabane   ibm - ecommerce day Marcelo cabane   ibm - ecommerce day
Marcelo cabane ibm - ecommerce day Marcos Pueyrredon
 
Beyond Web Analytics to Digital Marketing Success Webinar
Beyond Web Analytics to Digital Marketing Success WebinarBeyond Web Analytics to Digital Marketing Success Webinar
Beyond Web Analytics to Digital Marketing Success WebinarStratigent
 
VW EMS case March 2010
VW EMS case March 2010VW EMS case March 2010
VW EMS case March 2010guest49c269
 
Achieving Dialogue In The Age Of The Omni-Channel Customer
Achieving Dialogue In The Age Of The Omni-Channel CustomerAchieving Dialogue In The Age Of The Omni-Channel Customer
Achieving Dialogue In The Age Of The Omni-Channel CustomerG3 Communications
 
Pcc mktg 29 chapter 1 serv. mktg mgmt
Pcc mktg 29 chapter 1 serv. mktg mgmtPcc mktg 29 chapter 1 serv. mktg mgmt
Pcc mktg 29 chapter 1 serv. mktg mgmt'Vladimir Medina
 
Customer relationship management the emperor has no clothes
Customer relationship management the emperor has no clothesCustomer relationship management the emperor has no clothes
Customer relationship management the emperor has no clothesARC Advisory Group
 
CRM gives an edge to copper manufacturing company
CRM gives an edge to copper manufacturing companyCRM gives an edge to copper manufacturing company
CRM gives an edge to copper manufacturing companySigma Infosolutions, LLC
 
Capabilities of sap
Capabilities of sapCapabilities of sap
Capabilities of sapdeepak patro
 
Capturing the preference pattern of micro-segments within customer segments
Capturing the preference pattern of micro-segments within customer segmentsCapturing the preference pattern of micro-segments within customer segments
Capturing the preference pattern of micro-segments within customer segmentsCequity Solutions
 
Value creation final project shai zamir, dan saguy
Value creation final project  shai zamir, dan saguyValue creation final project  shai zamir, dan saguy
Value creation final project shai zamir, dan saguyDan Saguy
 
Vijay kusurkar value chain stratagem
Vijay kusurkar value chain stratagemVijay kusurkar value chain stratagem
Vijay kusurkar value chain stratagemECR Community
 

Tendances (19)

Smarter Planet: Retail
Smarter Planet: RetailSmarter Planet: Retail
Smarter Planet: Retail
 
Smart menu lecture 6 revenue model
Smart menu lecture 6 revenue modelSmart menu lecture 6 revenue model
Smart menu lecture 6 revenue model
 
Marcelo cabane ibm - ecommerce day
Marcelo cabane   ibm - ecommerce day Marcelo cabane   ibm - ecommerce day
Marcelo cabane ibm - ecommerce day
 
Beyond Web Analytics to Digital Marketing Success Webinar
Beyond Web Analytics to Digital Marketing Success WebinarBeyond Web Analytics to Digital Marketing Success Webinar
Beyond Web Analytics to Digital Marketing Success Webinar
 
VW EMS case March 2010
VW EMS case March 2010VW EMS case March 2010
VW EMS case March 2010
 
Achieving Dialogue In The Age Of The Omni-Channel Customer
Achieving Dialogue In The Age Of The Omni-Channel CustomerAchieving Dialogue In The Age Of The Omni-Channel Customer
Achieving Dialogue In The Age Of The Omni-Channel Customer
 
Smart menu lecture 7 partners
Smart menu lecture 7 partnersSmart menu lecture 7 partners
Smart menu lecture 7 partners
 
CLM
CLMCLM
CLM
 
Pcc mktg 29 chapter 1 serv. mktg mgmt
Pcc mktg 29 chapter 1 serv. mktg mgmtPcc mktg 29 chapter 1 serv. mktg mgmt
Pcc mktg 29 chapter 1 serv. mktg mgmt
 
Driving the E-commerce revolution
Driving the E-commerce revolution Driving the E-commerce revolution
Driving the E-commerce revolution
 
Customer relationship management the emperor has no clothes
Customer relationship management the emperor has no clothesCustomer relationship management the emperor has no clothes
Customer relationship management the emperor has no clothes
 
CRM gives an edge to copper manufacturing company
CRM gives an edge to copper manufacturing companyCRM gives an edge to copper manufacturing company
CRM gives an edge to copper manufacturing company
 
Capabilities of sap
Capabilities of sapCapabilities of sap
Capabilities of sap
 
Capturing the preference pattern of micro-segments within customer segments
Capturing the preference pattern of micro-segments within customer segmentsCapturing the preference pattern of micro-segments within customer segments
Capturing the preference pattern of micro-segments within customer segments
 
Value creation final project shai zamir, dan saguy
Value creation final project  shai zamir, dan saguyValue creation final project  shai zamir, dan saguy
Value creation final project shai zamir, dan saguy
 
Minacs spend smart
Minacs spend smartMinacs spend smart
Minacs spend smart
 
Cognicor corporate summary
Cognicor corporate summaryCognicor corporate summary
Cognicor corporate summary
 
Smart menu lecture 8 resources
Smart menu lecture 8 resourcesSmart menu lecture 8 resources
Smart menu lecture 8 resources
 
Vijay kusurkar value chain stratagem
Vijay kusurkar value chain stratagemVijay kusurkar value chain stratagem
Vijay kusurkar value chain stratagem
 

En vedette

P2P Payments- Shared Economy
P2P Payments- Shared EconomyP2P Payments- Shared Economy
P2P Payments- Shared EconomyJaiveer Singh
 
SAP Cash Management Powever by SAP HANA - Cash Operations
SAP Cash Management Powever by SAP HANA - Cash Operations SAP Cash Management Powever by SAP HANA - Cash Operations
SAP Cash Management Powever by SAP HANA - Cash Operations Chandrasekhar Ija
 
Mobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of ViewMobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of ViewMark Sherman
 
DLT - Key industry requirements for an industry-wide platform by Fabian Vande...
DLT - Key industry requirements for an industry-wide platform by Fabian Vande...DLT - Key industry requirements for an industry-wide platform by Fabian Vande...
DLT - Key industry requirements for an industry-wide platform by Fabian Vande...FinTech Belgium
 
Overcoming the Top 7 Intercompany Accounting Challenges in SAP ERP Financials
Overcoming the Top 7 Intercompany Accounting Challenges in SAP ERP FinancialsOvercoming the Top 7 Intercompany Accounting Challenges in SAP ERP Financials
Overcoming the Top 7 Intercompany Accounting Challenges in SAP ERP FinancialsSAPinsider Events
 

En vedette (6)

P2P Payments- Shared Economy
P2P Payments- Shared EconomyP2P Payments- Shared Economy
P2P Payments- Shared Economy
 
SAP Cash Management Powever by SAP HANA - Cash Operations
SAP Cash Management Powever by SAP HANA - Cash Operations SAP Cash Management Powever by SAP HANA - Cash Operations
SAP Cash Management Powever by SAP HANA - Cash Operations
 
Mobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of ViewMobile Payments: An IBM Point of View
Mobile Payments: An IBM Point of View
 
DLT - Key industry requirements for an industry-wide platform by Fabian Vande...
DLT - Key industry requirements for an industry-wide platform by Fabian Vande...DLT - Key industry requirements for an industry-wide platform by Fabian Vande...
DLT - Key industry requirements for an industry-wide platform by Fabian Vande...
 
E-Wallet Platform 2017
E-Wallet Platform 2017E-Wallet Platform 2017
E-Wallet Platform 2017
 
Overcoming the Top 7 Intercompany Accounting Challenges in SAP ERP Financials
Overcoming the Top 7 Intercompany Accounting Challenges in SAP ERP FinancialsOvercoming the Top 7 Intercompany Accounting Challenges in SAP ERP Financials
Overcoming the Top 7 Intercompany Accounting Challenges in SAP ERP Financials
 

Similaire à Service To Cash Essential Banking V4

Mobile Banking 2010
Mobile Banking 2010Mobile Banking 2010
Mobile Banking 2010Waqas Nasir
 
Guiding Principles for Mobile Payment Readiness
Guiding Principles for Mobile Payment ReadinessGuiding Principles for Mobile Payment Readiness
Guiding Principles for Mobile Payment ReadinessPerficient, Inc.
 
Account Analysis Presentation Final
Account Analysis Presentation FinalAccount Analysis Presentation Final
Account Analysis Presentation FinalLaurelEK
 
Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07
Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07
Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07lance slides
 
Cómo las tecnologías de colaboración y Virtualización aumentan la producti...
Cómo las tecnologías  de colaboración y  Virtualización  aumentan la producti...Cómo las tecnologías  de colaboración y  Virtualización  aumentan la producti...
Cómo las tecnologías de colaboración y Virtualización aumentan la producti...Asociación de Marketing Bancario Argentino
 
Bank 2.0 -- Making It Happen
Bank 2.0 -- Making It HappenBank 2.0 -- Making It Happen
Bank 2.0 -- Making It HappenBackbase
 
Innovative Outsourcing Deal Structures
Innovative Outsourcing Deal StructuresInnovative Outsourcing Deal Structures
Innovative Outsourcing Deal StructuresJohn Meyerson
 
Strategic Business Innovation
Strategic Business InnovationStrategic Business Innovation
Strategic Business InnovationKoen Klokgieters
 
4239 Misys Bank Fusion Presentation
4239 Misys Bank Fusion Presentation4239 Misys Bank Fusion Presentation
4239 Misys Bank Fusion Presentationsudha_20
 
Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...
Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...
Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...eyefortransport
 
Push & pull v1.0-c
Push & pull v1.0-cPush & pull v1.0-c
Push & pull v1.0-ckndkim
 
Microsoft Dynamics and Integration
Microsoft Dynamics and IntegrationMicrosoft Dynamics and Integration
Microsoft Dynamics and IntegrationCarolyn Crowe
 
Business process reengineering
Business process reengineeringBusiness process reengineering
Business process reengineeringSiddhesh Trivedi
 
Trusted Business Advisors
Trusted Business AdvisorsTrusted Business Advisors
Trusted Business AdvisorsRich_Iverson
 

Similaire à Service To Cash Essential Banking V4 (20)

Mobile Banking 2010
Mobile Banking 2010Mobile Banking 2010
Mobile Banking 2010
 
Guiding Principles for Mobile Payment Readiness
Guiding Principles for Mobile Payment ReadinessGuiding Principles for Mobile Payment Readiness
Guiding Principles for Mobile Payment Readiness
 
Account Analysis Presentation Final
Account Analysis Presentation FinalAccount Analysis Presentation Final
Account Analysis Presentation Final
 
Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07
Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07
Idg banking vietnam2010 customercentricplatform-100527-l-tay-v07
 
HPMC 2012: GTIN - Distributed consulting
HPMC 2012: GTIN - Distributed consultingHPMC 2012: GTIN - Distributed consulting
HPMC 2012: GTIN - Distributed consulting
 
Cómo las tecnologías de colaboración y Virtualización aumentan la producti...
Cómo las tecnologías  de colaboración y  Virtualización  aumentan la producti...Cómo las tecnologías  de colaboración y  Virtualización  aumentan la producti...
Cómo las tecnologías de colaboración y Virtualización aumentan la producti...
 
Bank 2.0 -- Making It Happen
Bank 2.0 -- Making It HappenBank 2.0 -- Making It Happen
Bank 2.0 -- Making It Happen
 
BPO
BPOBPO
BPO
 
Innovative Outsourcing Deal Structures
Innovative Outsourcing Deal StructuresInnovative Outsourcing Deal Structures
Innovative Outsourcing Deal Structures
 
Strategic Business Innovation
Strategic Business InnovationStrategic Business Innovation
Strategic Business Innovation
 
4239 Misys Bank Fusion Presentation
4239 Misys Bank Fusion Presentation4239 Misys Bank Fusion Presentation
4239 Misys Bank Fusion Presentation
 
Workforce Productivity in BPO
Workforce Productivity in BPOWorkforce Productivity in BPO
Workforce Productivity in BPO
 
Risk Management
Risk ManagementRisk Management
Risk Management
 
Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...
Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...
Richard J. Sherman from Emeritus Supply Chain Council; Chairman’s Day Two Kic...
 
Push & pull v1.0-c
Push & pull v1.0-cPush & pull v1.0-c
Push & pull v1.0-c
 
Microsoft Dynamics and Integration
Microsoft Dynamics and IntegrationMicrosoft Dynamics and Integration
Microsoft Dynamics and Integration
 
Business process reengineering
Business process reengineeringBusiness process reengineering
Business process reengineering
 
Barter NSF Final Presentation
Barter NSF Final PresentationBarter NSF Final Presentation
Barter NSF Final Presentation
 
Trusted Business Advisors
Trusted Business AdvisorsTrusted Business Advisors
Trusted Business Advisors
 
The 8020 conundrum airtel
The 8020 conundrum   airtelThe 8020 conundrum   airtel
The 8020 conundrum airtel
 

Service To Cash Essential Banking V4

  • 1. SAP Service to Cash for Banking IBU Banking Solution Management January 2012
  • 2. SAP Service-to-Cash Drivers Solution Value References Demo Summary 2
  • 3. SAP Service-to-Cash Drivers Solution Value References Demo Summary 3
  • 4. Drivers Solution Value References Demo Summary The Economical World is Under Pressure HYPER COMPETITION CHANGING BUSINESS MODELS Drivers • Prices and margins are under • Product to Services shift pressure Under Pressure • Multi-sided business • Powerful „new“ market players relationships Customer Centric • Increasing customer demands • Multi Convergence Impacts • Immense Cost Pressure Banking Scenarios INCREASED BUSINESS COMPLEXITY Companies need to • Companies need to leave their home turf dramatically transform • Highly dynamic markets drive a constant need for their business to survive change and thrive • Shorter innovation cycles and time-to-market © 2011 SAP AG. All rights reserved. 4
  • 5. Drivers Solution Value References Demo Summary Customer Centric: Retail Banking Drivers • Financial crisis Retain customers Under Pressure Customers: More • Regulatory pressures (i.e. with a la carte Customer Centric Product – based offers Demand Basel III, Dodd Frank) pricing Impacts Banking Scenarios • Economies of Scale of Fight Competition Competition: larger bank with faster Time to Global Market • Market consolidation Technology: More measuring • Mobile payments Handle large points, More • Increased flexibility volumes of Data events Leading to Services-based offers Relationship (Tier, Service Level, Profitability based) Pricing Consolidated Charging and Billing New forms of Payments On Device Charging Convenience, flexibility, loyalty © 2011 SAP AG. All rights reserved. 5
  • 6. Evolution of SAP for Banking As the Leader in Business Transformation Integrated Enterprise Applications Flexible E2E Decoupled Processes Integrated Banking Solutions Banking Cross-Industry Applications Solutions Real Time Computing Client Server Web-enabled Enterprise SOA Technology Platform & Architecture ~ 1980 ~ 1990 ~ 2000 Today © 2011 SAP AG. All rights reserved. 6
  • 7. Drivers Solution Value References Demo Summary Hyperconnectivity: Impacts •Time to Market Drivers New Services: Under Pressure Relationship- •Flexibility Customer Centric based pricing •B2C & B2B Impacts Banking Scenarios Massive Volume of •Scalability Real-Time •Performance Transactions Rapid Recombination •Settlement of Value •Commissioning Chains © 2011 SAP AG. All rights reserved. 7
  • 8. Drivers Solution Value References Demo Summary Business Model Innovation : Banking Scenarios Industry Examples Value Banking Smart fee structures which limit • Avoid “statement shock” → happy Drivers general direct debit overdraft charges customers Under Pressure Relationship Charge based on customer value, • Improved profitability, fee income Customer Centric Pricing profitability and service level • Increased Customer Satisfaction Impacts Consolidated One „source of truth‟ for customer • Improved Customer Satisfaction, loyalty Fees / Billing in online banking and • Reduced revenue leakage Banking Scenarios consolidated bank statements Factoring Working capital financing, • Immediate Cash flow Collection service, receivables • Reduced operations cost management • Improve Sales volume On Device Smart phones, Tablets, online • On Device Monetization & High Availability Charging payments •Multi-Vendor Services High Volume Credit card issuing to customers • High Volume processing Credit Card for easy accessible funds • Complex partner settlement unsecured loans Credit Bureau / Helping creditors to determine the • Additional service offerings Agencies credit-worthiness of a particular • Improved rating capabilities applicant for credit. Capital Markets Desire to automate fee • Brokers live on the margin & / Exchanges processing, remove current profitability between fees for costs manual processes, move to and fees for revenues more daily processing © 2011 SAP AG. All rights reserved. 8
  • 9. SAP Service-to-Cash Drivers Solution Value References Demo Summary 9
  • 10. S2C - Integration to the Banking Solution Portfolio Customer & Employee Channels Voice IVR E-mail Fax Mobile Bank Channels Mobile Customer Relationship Management Enterprise Business Marketing Sales Service Support Customer Information Management General Ledger Products and Transactional Banking Master Contracts – Product Bundling Cost Management Deposits Loans Leasing Human Resources Service to Cash Collaterals Syndications Analytical Banking Procurement Financial Performance Bank Analyzer Price Optimization Management Corporate Services Information Discovery & Delivery Enterprise Information Management SAP Business Process Platform User Interface/ Business Process SOA Management Connectivity & Integration Shared Utilities Management © 2011 SAP AG. All rights reserved. 10
  • 11. Service to Cash End-to-End Solutions & Applications Relationship Pricing Consolidated Customer Billing Business Intelligence Customer Billing & Revenue & & Partner Fee Payment Expense Relationshi Payments Calculatio Statement Manageme p n Engine s nt Manageme nt Accounts Payable / GL SAP SAP Customer & SAP SAP Payment Convergent Customer Partner Business Convergent Intelligence Engine Financials Relationship Charging Invoicing Management Management  Real-Time & Batch  High Volume  Account  Financial  KPI Analysis Transaction Billing Detail Receivable Customer &  SLA Tracking Processing  Configurable  Payment Posting Partner Care  Dashboards  Flexible fee pricing Statements  Dispute Mgmt  Web Channel capabilities  Multiple Input  Credit Mgmt  Embedded Streams  Electronic Bill Settlement Presentment and Calculation Payment © 2011 SAP AG. All rights reserved. 11
  • 12. SAP Convergent Charging Solution Innovative Technology: Decision Trees Old: Code-Driven New: Business Configuration © 2011 SAP AG. All rights reserved. 12
  • 13. SAP Convergent Charging Solution Automated Management of Revenues & Costs © 2011 SAP AG. All rights reserved. 13
  • 14. Service to Cash - Relationship Pricing Relationship Pricing Consolidated Customer Billing Business Intelligence Fee Billing & Revenue & Customer & Calculation Payment Expense Partner Engine Statements Mgmt Relationship Mgmt Accounts Payable / GL “We can create combined statements, but we can‟t Examples of fee-types supported by SAP: combine our fee calculations for relationship pricing…”  One-time or event driven fees: • Configurable flat fee  Many banks have acquired systems that can • Fee can be waived per account create a combined statement, but these systems  Periodic – e.g. flat monthly recurring charges: only aggregate the fees calculated by legacy • Configurable recurring charges applications • Charged at service activation date (not prorated)  Relationship pricing models are very hard to  Fee per transaction / usage fees: create and control using spreadsheets • Deposit fee - flat fee • Transaction fee - volume/amount * price + percent  Manual fee calculations have poor process % (service fee) of computed price controls resulting in very high error rates • Wire fees – threshold tiered pricing © 2011 SAP AG. All rights reserved. 14
  • 15. Service to Cash Scenario 1: Relationship Pricing What is Convergent Charging when we talk about Fees and Relationship Pricing?  Relationship pricing involves looking at the customer from the perspective of a bundle of products and services  Typically, each product and service has its own fee structure and pricing logic (also referred to in Banking as “counters” or “calculations”)  Convergent Charging “converges” or settles multiple, complex fee structures for multiple products and services and prepares the fees to be submitted to the accounting sub-ledger. Example of transaction convergence affecting fees:  Scenario 1 - Number/value of credit card transactions determines checking fee  5 transactions or $1000 = fee reduced to $5  10 transactions or $4000 = fee waived  Scenario 2 - Enable loyalty program tracking  Use debit/credit card 10 times and receive 1000 rewards point (points assigned instead of fees)  Reward program assigns small share of revenue to Airline Partner (partner settlement) © 2011 SAP AG. All rights reserved. 15
  • 16. Service to Cash Scenario 2: Consolidated Customer Billing “Our customers want a single monthly statement but we can‟t pull the data together…”  Some banks are satisfied with their fee calculators, but don‟t have a system that can create a combined statement.  Combined statements are often manually generated using spreadsheets and data marts. Manual statements have poor process controls resulting in very high error rates.  If a customer makes a single payment for a manual statement, the bank will have difficulty allocating and reconciling the payment. © 2011 SAP AG. All rights reserved. 16
  • 17. Service to Cash Scenario 3: High Volume Credit Card processing “We need a to be accommodate flexible pricing for our trade finance and invoice factoring business…”  Issuing Credit Cards is an important source of income for the card issuing bank and the most common form of unsecured loans  As an example an online Credit Card purchase cycle. Usually there are five parties involved: the consumer, the merchant, a clearinghouse, the merchant bank, and the consumer‟s card issuing bank which could be the same as the merchant bank © 2011 SAP AG. All rights reserved. 17
  • 18. Scenario 4: SAP OnDevice Charging: Moving Rating Engine & Business Logic onto Smart Cards Pricing offer is created Rating Engine + business logic: The business logic on the device on a centralized system. containing personalized version of calculates price to pay - in offline or the offer loaded onto user’s device. online mode. SAP ODC Server Smart Mobile Wallet / Embeddable Personalizing Offer NFC Service offers Intelligent Business Logic + Charging for = User’s Account Data data / content / + Transactions Apps / Ad venue Set of & Control subscription parameters Convenience / = Real-time cost Embeddable Mgmt / Anti Bill Subscription Shock / Security / Merchant Strength: Discounts Smart loyalty / SVA – Personalized offers for online & offline services © 2011 SAP AG. All rights reserved. 18
  • 19. Service to Cash Scenario 4: Benefits of OnDevice Charging Business logic stored on the device On-Device Monetization can be executed in both online and OFFLINE modes No single point of failure / Scalable - High Availability central platform does NOT need to be highly resilient – LOW TCO Promotions, discounts etc. from Multi-Merchant Services multiple merchants on the SAME device – allows for special value prop to bank’s merchant customers Enable PERSONALIZED service Customer Centricity offers and charging models, REAL- TIME access to balances & counters Consumer Data Privacy SENSITIVE consumer data remains on the device. Tight Security & Security management PREVENTS corruption © 2011 SAP AG. All rights reserved. Confidential 19
  • 20. Scenario 5a: Factoring - Ecosystem Seller (Bank‟s Customer and non- Debtor (account debtor, or Customers) customer of the seller) 2 1 Charge a percentage and a Debtor is notified discount sells one or more of its invoices (the receivables) 4 at a discount to the third 3 party Factor (Bank) Collection © 2011 SAP AG. All rights reserved. 20
  • 21. Service to Cash Scenario 5a: Invoice Factoring  It is a financial transaction whereby a business sells its Accounts Receivable (AR, i.e. invoices) to a third party (factor) at a discount  Factor provides financing to the seller of the AR, often 70-85% of the purchase price of the accounts (net of the factor's discount fee (commission) and other charges etc.) Advantages:  Fast and Safe increase of working capital  Improves cash flow without hassle of Commercial Loans  Offer better payment terms to customers  In addition, S2C allows Factors to create automated combined statements improving process controls and reducing error rates © 2011 SAP AG. All rights reserved. 21
  • 22. Scenario 5b: Reverse Factoring - Confirming Send Invoices 1 Ordering Party (Bank’s Customer and non-Customers Supplier 5 2 Withdraw amount from their Publish Invoices and credit bank account on invoice due quotation for payment in Upon agreement, supplier's date invoices are transferred to advance 4 the bank 3 Factor (Bank) SAP Service Accept credit quotation and to Cash receive payment in advance Customer © 2011 SAP AG. All rights reserved. 22
  • 23. Scenario 5b: Confirming - Definition Confirming (Reverse Factoring)  Complete payment services managed by Bank (Factor) instead of customer  Factor deducts commission/fee for advance from payment  Customer (Ordering party) starts the process – usually a large company – choosing invoices that should be paid in advance  Supplier verifies need for immediate payment of invoices  Fairly collaborative process between the ordering party, the supplier and the bank (factor)  Advantages:  Possibility of receiving advances on collections  Simplified Payment processing  Improved Payment terms and cash flow  Immediate financing supplier‟s receivables © 2011 SAP AG. All rights reserved. 23
  • 24. Scenario 5: Factoring & Confirming – Opportunity Current challenges Market drivers Opportunity  Simple and integrated  The factor provides immediate working  Real time quotation architecture to launch capital to the supplier and supports capabilities Factoring LOB better payment terms, immediate cash flow and reliable business transactions  Full auditable revenue  No real-time quotation stream of each single capabilities  The factor provides a durable business transaction (accounts relations and credibility as everyone receivable and  Need for full auditable benefits (ordering party and supplier) accounts payable) revenue stream of each single transaction  The factor consolidates processes for (accounts receivable and the ordering party and presents besides accounts payable) a single point of contact added security and convenience for its banking clients © 2011 SAP AG. All rights reserved. 24
  • 25. Service to Cash Scenario 6: Credit Bureau Charging Charge fees Commercial Customer Retail Customer Customer Credit Profile SAP Convergent Credit Bureau Charging Prospects Customer Credit Profile Customer Credit Profile Charge fees Banking & Insurance SME/Microfinance (automobile collision and comprehensive insurance, life insurance, loan insurance and Enterprises accident and disability insurance.) © 2011 SAP AG. All rights reserved. 25
  • 26. Scenario 6: Credit Bureau Segment – Opportunity Market drivers Consolidation, recombination, increased competition, adjusted business models Opportunity  New value-added-services such as risk-based scoring, address verification, alerts…  Requirement for a flexible relationship pricing engine  Process fee / pricing calculation in real time and batch  Real time quotation capabilities  Rapid fee structure changes, quicker time to market for new products  Scalability to handle large volumes of records per second © 2011 SAP AG. All rights reserved. 26
  • 27. Scenario 7: Sub-Segments in Capital Markets and Fee Flow Buy-side Firms Charge fees Mutual Funds, Hedge Commercial Firms. Funds, Insurance Companies, etc. Buy through Buy through Sell-side Brokers Prime brokers, Inter-dealer brokers, Banks, Futures Commission Merchants, etc. SAP Convergent Charging Trade through Clear & settle through Prospects Charge fees SAP Convergent Clearing Houses Charging Exchanges Clearing houses, Settlement Customers Systems, Custodial Services (CSD) © 2011 SAP AG. All rights reserved. 27
  • 28. Scenario 7 : Capital Market – Opportunity Current Challenges Market Drivers Opportunity  Existing systems are  Potential customers and  Brokers live on the margin typically homegrown technology providers agree that & profitability between fees systems fee management is a pain point for costs and fees for revenues  Requirement to manage  Discounting & bundling to retain  Opportunity to innovate by fee structure complexity favored customers proposing that total cost of  Possible move to using fee trade becomes a factor in  Desire to automate fee processing, desire to pricing as a strategic part of choosing a venue for a remove current manual business model innovation trade (making it visible in processes, move to less (e.g., Exchanges charging for the front-office) month-end bandwidth instead of just per processing, more daily trade) processing © 2011 SAP AG. All rights reserved. 28
  • 29. Service to Cash Scenario 8: Business Intelligence & Reporting Relationship Pricing Consolidated Customer Billing Business Intelligence Fee Billing & Revenue & Customer & Payments Calculation Payment Expense Partner Engine Statements Management Relationship Management Accounts Payable / GL Service-to-Cash Analytics Dashboard “Our customers want to be able to analyze their monthly account activities and fees to better understand their expenses.”  Now banks can offer easy to use reporting tools to their commercial and retail customers instead of basic data downloads.  Customer data analysis needs to be intuitive and easy to use, and should be available in real time or near-real time.  S2C offers integrated Business Intelligence © 2011 SAP AG. All rights reserved. 29
  • 30. SAP Service-to-Cash Drivers Solution Value References Demo Summary 30
  • 31. Drivers Solution Value References Demo Summary Service-To-Cash : Value Proposal Value Flexibility Business Flexibility Price, package, Bundle, promote your services and share revenue with partners Deployment while maximizing profitability and reducing Time-to-Market Low TCO Unified View Deployment Flexibility Set of componentized software which can interoperate amongst themselves and with legacy and third party systems Low TCO Market-leading high performance on cost effective hardware and dramatically reduced OPEX Enhancing Customer Experience Unified view of customer‟s services, subscriptions, balances and usages © 2011 SAP AG. All rights reserved. 31
  • 32. Service-to-Cash - Value Proposition Clients Client Satisfaction Clients Demands New Innovative Services Relationship Based Pricing On-Demand Price Quotes Real-Time Analytics & Reports Consolidated Statements Client Transactions Bank/Broker Business Intelligence Demands Bankers/Brokers Client Satisfaction Customer & Profitability & Retention Fee Billing & Revenue & Partner Automated Straight-Through Calculation Payment Expense Relationship Processing Engine Statements Management Management Audit-ability, Accuracy & Transparency Platform Consolidation Accounts Payable / GL Financial Services Partners Value Chain Demands Real-Time Revenue Management &Sharing Flexible SLAs Real-Time Analytics & Reports Partner Loyalty © 2011 SAP AG. All rights reserved. 32
  • 33. SAP Service-to-Cash Drivers Solution Value References Demo Summary 33
  • 34. Drivers Solution Value References Demo Summary Service-To-Cash : References References High Tech Transportation Postal & Logistics Telecom Media Financial Services Other © 2011 SAP AG. All rights reserved. 34
  • 35. Drivers Solution Value References Demo Summary Q2 2011 LATAM S2C in Financial Industry : Banco Popular C2C Customer Business Issues solved References • Need for a solution to support the roll out (full automation) of a new line of business called Banco Popular “Factoring” – a customers accounts payable operations LCH.Clearnet Banco Popular Dominicano Groupama BPD is the largest private bank in Why SAP Service to Cash - Benefits the Dominican Republic, with a • Allows BPD to act as the customer‟s payment agent significant market share of 23% in in front of suppliers and contractors, providing them terms of total assets at end 2010. with an effective and low-cost way to make their payments. Suppliers will additionally be able to BPD is the main subsidiary of manage invoices that are covered by the customer‟s Grupo Popular, S.A. (GPSA), a payment orders at any BPD branch. holding company for mostly • Ability of C2C / S2C to support the complete financial subsidiaries in the business process. Dominican Republic, Panama, and the U.S. • Capacity to handle supplier real time quotation and with consolidated assets of more credit generation, invoicing and account receivable than USD5.9bn at end 2010. and payable Solution • Full Service-to-Cash Platform (SAP Service-to- Finance Cash) © 2011 SAP AG. All rights reserved. 35
  • 36. Drivers Solution Value References Demo Summary Q4 2007 EMEA S2C in Financial Industry : LCH.Clearnet CC (HD) Customer Business Issues solved • Looking for a group-wide safe, effective and reliable References fee billing system; • Flexibility to accommodate current and foreseeable Banco Popular future fee structures, markets and Trade Sources; LCH.Clearnet LCH.Clearnet is the leading • Effective reporting to both internal users and external independent clearing house Clearing Members; Groupama group, serving major international • Provision of daily billing data to Clearing Members to exchanges and platforms, as well enhance their reconciliation processes and as a range of OTC markets. It allocation of costs to their own customers; clears a broad range of asset classes including: • Reduce operating and development costs securities, exchange traded derivatives, commodities, energy, fr Why SAP Service to Cash - Benefits eight, interest rate swaps, credit default swaps and euro and sterling • Flexibility for new product introduction denominated bonds and repos; • Add new members easily and automatically and works closely with market produce detailed monthly invoices participants and exchanges to identify and develop clearing • Handle millions of transactions per day with services for new asset classes. robustness, reliability and low TCO Solution • SAP Convergent Charging (Highdeal Charging & Billing Platform) Finance © 2011 SAP AG. All rights reserved. 36
  • 37. Drivers Solution Value References Demo Summary 08 2011 EMEA S2C in Financial Industry : Groupama CC (HD) References Customer Business Issues solved • Replaced in-house commissioning system Banco Popular • Manage targets, calculate payouts LCH.Clearnet Established over 100 years ago • Allow for short-term commission plan changes in the French farming • Management of life & annuity products Groupama community, Groupama is now a major European insurance and • Lifecycles of commissions as client accounts vary banking group with over 39,000 over time and as agents trade contracts employees worldwide, serving over 16 million customers in 14 countries. Why SAP Service-to-Cash Benefits Groupama generates revenues • Ability to handle core commission modeling and of €17.6 billion, has assets payout calculations under management of €88 • Providing functionalities to ensure full traceability billion and profits of €398 of all transactions and management of historical million*. The group reinvests its contexts profits into the business for the ultimate benefit of its members and customers Solution • SAP Convergent Charging (Highdeal Charging & Billing Platform) Finance © 2011 SAP AG. All rights reserved. 37
  • 38. SAP Service-to-Cash Drivers Solution Value References Demo Summary 38
  • 39. Drivers Solution Value References Demo Summary Service-to-Cash Demo Demo Convergent Charging Demo #1 Demo Testimonial Accounts Receivable Pricing, Invoicing & Revenue & Customer & Rating, Payment Expense Partner Charging Statements Management Financial Care Accounts Payable SAP Convergent SAP Convergent SAP Customer Financials Management Charging Invoicing  Pricing & Charging  Convergent  Revenue Management  Financial Customer Care Model Design Invoicing  Credit Management  Collections Management  Pricing Simulation  Online Bill Presentment  Dispute Management  Converged Prepaid, Postpaid & Hybrid Charging © 2011 SAP AG. All rights reserved. 39
  • 40. Drivers Solution Value References Demo Summary Service-to-Cash Demo Demo Convergent Charging Demo #2 Demo Testimonial Accounts Receivable Pricing, Invoicing & Revenue & Customer & Rating, Payment Expense Partner Charging Statements Management Financial Care Accounts Payable SAP Convergent SAP Convergent SAP Customer Financials Management Charging Invoicing  Pricing & Charging  Convergent  Revenue Management  Financial Customer Care Model Design Invoicing  Credit Management  Collections Management  Pricing Simulation  Online Bill Presentment  Dispute Management  Converged Prepaid, Postpaid & Hybrid Charging © 2011 SAP AG. All rights reserved. 40
  • 41. Drivers Solution Value References Demo Summary Service-to-Cash Testimonial Demo Demo Testimonial “SAP Convergent Charging gives us the freedom to react quickly to market demands and be very creative with our price plans and bundles. “We can adjust our price plans in real- time without disrupting service. Giving us a real advantage in keeping ahead of market demands.” Akan Ismaili CEO of IPKO © 2011 SAP AG. All rights reserved. 42
  • 42. SAP Service-to-Cash Drivers Solution Value References Demo Summary 43
  • 43. Drivers Solution Value References Demo Summary From Products to Services Everywhere Summary Business Trends Service based Industries Service based Industries Service-To-Cash New New Telecommunication Telecommunication Value Pricing Pricing Models Models Media Media References High Tech High Tech Manage Manage Transport & Logistic Transport & Logistic Uncertainty Uncertainty Postal Postal Finance Finance Changing Changing Massive Massive Value Chains Value Chains Volumes Volumes And… elsewhere!! And… elsewhere!! © 2011 SAP AG. All rights reserved. 44
  • 44. Drivers Solution Value References Demo Summary The Service-to-Cash Platform Summary Financial Deliver Price & Bill & Collect & Offer Order Customer Analytics Business Trends Service Charge Settle Pay Care Service-To-Cash Value SAP Service-to-Cash References Accounts Receivable Pricing, Invoicing & Revenue & Customer & Rating, Payment Expense Partner Charging Statements Management Financial Care Accounts Payable SAP Convergent SAP Convergent SAP Customer Financials Management Charging Invoicing © 2011 SAP AG. All rights reserved. 45
  • 45. Drivers Solution Value References Demo Summary Service-to-Cash : Value Proposal Summary Business Flexibility Business Trends Price, package, promote your services and share revenue with partners while maximizing profitability and reducing Time-to-Market Service-To-Cash Value References Deployment Flexibility Set of componentized software which can interoperate amongst themselves and with legacy and third party systems Low TCO Market-leading high performance on cost effective hardware and dramatically reduced OPEX Enhancing Customer Experience Unified view of customer‟s services, subscriptions, balances and usages © 2011 SAP AG. All rights reserved. 46
  • 46. Drivers Solution Value References Demo Summary Service-to-Cash : 300+ References Worldwide Summary Business Trends Service-To-Cash Value References © 2011 SAP AG. All rights reserved. 47
  • 47. Appendix © 2011 SAP AG. All rights reserved. 48
  • 48. SAP On-Device Charging Overview & SAP CC relationships  The On-Device Charging solution takes our SAP Convergent Charging solution and produces a "light" version running on secure elements such as smart cards, SIM cards, ...”  This can then be embedded into end devices such as mobile (NFC) phones, multi- services cards, EMV cards, smart meter, on-board-units in vehicles, set-top-boxes, M2M devices, tablets, smart phone ..., thus allowing billions of devices to perform pricing, rating, charging, balance-management, business logics and loyalty functions locally, in an off-line mode (but also in an online mode or both).  The SAP On-Device Charging is completely based on SAP Convergent Charging data model. Thanks to a patented compiler, ODC will be able to transform and adapt the business logics defined and stored in SAP CC by the service providers, for generating on the fly the related program running on the secure element.  SAP ODC supports the SAP CC main features :  Rate/charge any kind of service,  Implement some flexible business logics,  Cascade and compose price plans for multi-partners business models © 2011 SAP AG. All rights reserved. 49
  • 49. B2B2C Banking use cases ODC – Virtual Wallet vs. Private Payment vehicle  In addition to existing offline payment means, such as Credit (Smart) Cards more and more banks provide some prepaid card based on wallet and eMoney. A wallet can be viewed as a balance which is debited at purchase time  ODC could be used to control the usage of such virtual wallets and banks could propose virtual wallets services to companies / institutional org / third party: Example 1: A virtual wallet could be offered by the bank to local / federal government to aid in controlling the usage of funds i.e. social benefits according to specified rules. ODC can implement those rules to authorize or reject the usage of funds belonging to the related „social wallet„. Example 2: A virtual wallet infrastruture offered by the bank could also improve third party services i.e. payment devices related to healthcare benefits, city/citizen, companies, student, transportation card, military etc. © 2011 SAP AG. All rights reserved. 50
  • 50. Smart Mobile Wallet: General architecture overview Mobiliser Platform NFC Handset Wallet Content Mgt Mobiliser Smartphone Wallet Server OTA Interface Proxy Wireless OTA Security Debit Banking Loyalty Integration Services Pay Bill Retail Network Transfer ODC Server ODC Application Processing Env SmartTrust TSM Enabler Rich OS SWP Drivers & Stacks SIM NFC Sec El TSM hub SmartTrust Delivery Platform Sec-Elt 2 Sec-Elt 1 Global Platform Card ODC Cards (SVA Management System + BizLogic Cards (loyalty, paymen t, …) Offers Service Providers NFC Controller Payment Payment Merchant Loyalty SP Systems Network Contactless POS Coupons Banks & NFC Tag Payment Terminal Aggregator Financial © 2011 SAP AG. All rights reserved. 51
  • 51. Smart Mobile Wallet Proposal Build a SAP-Sybase end-to-end “Mobiliser Smart Mobile Wallet” platform allowing user to deploy online services but also NFC services with the following characteristics: • end-to-end common services (remote and proximity): mBanking, mPayment, mRemittance, loyalty, couponing, vouchers • Complements existing Sybase Mobiliser front & backend. • Integrated ODC for smart SVA, loyalty with real-time management/redemption, offer personalization, offline charging • Includes Mastercard Paypass NFC payment service developed by G&D. • Interfaces with G&D SIM/OTA solutions (SmartTrust NFC Enabler, SE, TSM hubs) • Open to support external cards from other service providers (transportation, etc.) • Ability to host future SAP mobile business applications requiring a Secure Element. © 2011 SAP AG. All rights reserved. 52
  • 52. Mobile Payment tools overview Payment performed with a mobile device which can be charged on:  Banking card/account  Carrier bill  Electronic wallet Three categories for mobile payments:  Remote payment  Proximity payment – connection with a merchant payment terminal / POS –  Mobile to mobile money transfers Several technologies can be used by mobile payments according to usage  Communication: SMS, USSD, Vocal server, mobile internet, NSDT, NFC, Bluetooth, QR-code  Security: Secure Element, Cryptographic server, Trusted Execution Environment Characteristics of mobile payments  Online/Offline payment: requires an OTA connection at payment time  Synchronous/Asynchronous payment: the account transfer is done later © 2011 SAP AG. All rights reserved. 53
  • 53. © 2011 SAP AG. All rights reserved. SAP, R/3, SAP NetWeaver, Duet, PartnerEdge, ByDesign, SAP BusinessObjects Explorer, StreamWork, and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP AG in Germany and other countries. Business Objects and the Business Objects logo, BusinessObjects, Crystal Reports, Crystal Decisions, Web Intelligence, Xcelsius, and other Business Objects products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of Business Objects Software Ltd. Business Objects is an SAP company. Sybase and Adaptive Server, iAnywhere, Sybase 365, SQL Anywhere, and other Sybase products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of Sybase, Inc. Sybase is an SAP company. All other product and service names mentioned are the trademarks of their respective companies. Data contained in this document serves informational purposes only. National product specifications may vary. These materials are subject to change without notice. These materials are provided by SAP AG and its affiliated companies (“SAP Group”) for informational purposes only, without representation or warranty of any kind, and SAP Group shall not be liable for errors or omissions with respect to the materials. The only warranties for SAP Group products and services are those that are set forth in the express warranty statements accompanying such products and services, if any. Nothing herein should be construed as constituting an additional warranty. 54

Notes de l'éditeur

  1. Compared to other systems the solution uses a very different way of representing pricing and charging logic.This different approach is the primary reason our customers choose our solution.Coding is not required when making changes or designing new pricing models.Instead an intuitive graphical UI is used to allow for business configuration without lengthy coding cycles.Old: Inflexible, Long Time to Market, Poor Performance, Specialized StaffNew: Flexible, Short Time to Market, High Performance, Business Users
  2. Although companies often first consider our solution for the Customer Billing or Prepaid relationship, it can also manage other parts of the company’s business model. We are doing this for multiple customers worldwide.Service providers also have to share revenues with content or technology providers (and interconnect and roaming partners for telecoms operators).Other service providers may have more elaborate multi-sided market models where other companies are using the service provider as a platform for their own business. The service provider therefore has to manage wholesale models (i.e. MVNO/MVNE for telecoms) and can offer billing as a service.With our solution, all of these revenue and costs sides of the business model can be managed in a single system, with a single pricing configuration toolset which allows modeling of the often complex inter-linkage between customer and partner pricing.Customer usage transactions flowing through the system will generate a cascade of related transactions so that all partners are properly compensated.And detailed reporting on margins can then be done, per customer, per service, even down to the detailed level of each transaction.Details:The core of the pricing model is built around “business relationships.” Any individual entity in the system can have any number of business relationships with any other entity.  Thus two companies may have a relationship where A sells to B and bills B, while simultaneously the roles are reversed and B sells to A and bills A.This core flexibility is presented through a simple pricing and contract configuration interface which puts one or more Service Providers at the center of the network of business relationships. And the default is the regular billing/prepaid model where the business relationship is customer to service provider. But the full power of the open-ended model is right there, waiting to be activated by just clicking on additional configuration tabs.Consequently one might choose to start by modeling the customer billing relationship, building the pricing models for how services are priced, promoted, bundled and charged.  Then partner models can be added into this customer-centric model: e.g., royalties for content provider partners, commissions for resellers, sponsorships or billing-on-behalf-of.The big advantage of this approach to this area of multi-party rating is that all configuration is done coherently using the same toolset. This means that you have exactly the same flexibility to define partner contract terms as you have to define customer pricing models because you use the same tools to build pricing. Recurring, one-time and usage-based pricing can be used on all partner contract pricing.  Someone trained on using the solution will be able to work on both customer and partner pricing indifferently, they don’t have to learn a totally separate interface.Above all, managing customer and partner pricing in the same place, on the same platform, means that the sometimes complex interplay between customer and partner terms can be faithfully modeled.And at runtime, as transactions flow through the rating engine, a customer usage event will directly trigger the related partner events, potentially firing off a cascade of multiple related transactions between multiple partners. All of these transactions will then get tagged as being related. This means that from a reporting standpoint you then have a very rich data set that allows you to drill down into the actual margin, looking at the profitability of services on a per customer, per segment, per service or even per individual transaction basis.
  3. In summary, SAP’s innovative industry strategy blends solution innovations to deliver business value for functional areas, and technology innovations to deliver IT value for the enterprise, and delivery innovations to help businesses be “best run.” Today, we have reviewed SAP’s commitment to being the world leader in business-driven and customer-centric software solutions. First, we discussed what makes an organization “best run” in an industry, with a few examples of the KPIs they track, and a few example of organizations that are “running better.” Next, we reviewed the current conditions of the high-tech industry. What are the drivers forcing organizations to run better and innovate and transform their business processes and IT environments? We then highlighted SAP’s value to the high-tech industry to help companies in their transformational journey. We moved on to discuss in detail SAP’s innovations in solutions, technology, and delivery that are available to help high-tech companies grow and retain a competitive advantage. Finally, we captured a few references and results from high-tech companies already taking advantage of SAP’s solutions to run better.  SAP’s industry strategy is based on our long and trusted relationships with thousands of customers across 24 industries over nearly 40 years. We have consistently enhanced our solution offerings with industry-specific capabilities. Further, we support new business models evolving from simple supply chains into complex ecosystems, and single-industry processes into multi-industry value chains. Together, our solution, technology and delivery innovations uniquely position SAP to help organizations run, grow, and transform their businesses. Thank you for your time, and we look forward to continued discussions with you.
  4. In summary, SAP’s innovative industry strategy blends solution innovations to deliver business value for functional areas, and technology innovations to deliver IT value for the enterprise, and delivery innovations to help businesses be “best run.” Today, we have reviewed SAP’s commitment to being the world leader in business-driven and customer-centric software solutions. First, we discussed what makes an organization “best run” in an industry, with a few examples of the KPIs they track, and a few example of organizations that are “running better.” Next, we reviewed the current conditions of the high-tech industry. What are the drivers forcing organizations to run better and innovate and transform their business processes and IT environments? We then highlighted SAP’s value to the high-tech industry to help companies in their transformational journey. We moved on to discuss in detail SAP’s innovations in solutions, technology, and delivery that are available to help high-tech companies grow and retain a competitive advantage. Finally, we captured a few references and results from high-tech companies already taking advantage of SAP’s solutions to run better.  SAP’s industry strategy is based on our long and trusted relationships with thousands of customers across 24 industries over nearly 40 years. We have consistently enhanced our solution offerings with industry-specific capabilities. Further, we support new business models evolving from simple supply chains into complex ecosystems, and single-industry processes into multi-industry value chains. Together, our solution, technology and delivery innovations uniquely position SAP to help organizations run, grow, and transform their businesses. Thank you for your time, and we look forward to continued discussions with you.
  5. In summary, SAP’s innovative industry strategy blends solution innovations to deliver business value for functional areas, and technology innovations to deliver IT value for the enterprise, and delivery innovations to help businesses be “best run.” Today, we have reviewed SAP’s commitment to being the world leader in business-driven and customer-centric software solutions. First, we discussed what makes an organization “best run” in an industry, with a few examples of the KPIs they track, and a few example of organizations that are “running better.” Next, we reviewed the current conditions of the high-tech industry. What are the drivers forcing organizations to run better and innovate and transform their business processes and IT environments? We then highlighted SAP’s value to the high-tech industry to help companies in their transformational journey. We moved on to discuss in detail SAP’s innovations in solutions, technology, and delivery that are available to help high-tech companies grow and retain a competitive advantage. Finally, we captured a few references and results from high-tech companies already taking advantage of SAP’s solutions to run better.  SAP’s industry strategy is based on our long and trusted relationships with thousands of customers across 24 industries over nearly 40 years. We have consistently enhanced our solution offerings with industry-specific capabilities. Further, we support new business models evolving from simple supply chains into complex ecosystems, and single-industry processes into multi-industry value chains. Together, our solution, technology and delivery innovations uniquely position SAP to help organizations run, grow, and transform their businesses. Thank you for your time, and we look forward to continued discussions with you.
  6. In summary, SAP’s innovative industry strategy blends solution innovations to deliver business value for functional areas, and technology innovations to deliver IT value for the enterprise, and delivery innovations to help businesses be “best run.” Today, we have reviewed SAP’s commitment to being the world leader in business-driven and customer-centric software solutions. First, we discussed what makes an organization “best run” in an industry, with a few examples of the KPIs they track, and a few example of organizations that are “running better.” Next, we reviewed the current conditions of the high-tech industry. What are the drivers forcing organizations to run better and innovate and transform their business processes and IT environments? We then highlighted SAP’s value to the high-tech industry to help companies in their transformational journey. We moved on to discuss in detail SAP’s innovations in solutions, technology, and delivery that are available to help high-tech companies grow and retain a competitive advantage. Finally, we captured a few references and results from high-tech companies already taking advantage of SAP’s solutions to run better.  SAP’s industry strategy is based on our long and trusted relationships with thousands of customers across 24 industries over nearly 40 years. We have consistently enhanced our solution offerings with industry-specific capabilities. Further, we support new business models evolving from simple supply chains into complex ecosystems, and single-industry processes into multi-industry value chains. Together, our solution, technology and delivery innovations uniquely position SAP to help organizations run, grow, and transform their businesses. Thank you for your time, and we look forward to continued discussions with you.