CREATING VALUE FOR YOUR SME CUSTOMERS BY PROVIDING INVOICE RELATED SERVICES

1. CHARLIE-INDIA INVOICE HUB
CREATING VALUE FOR YOUR SME CUSTOMERS BY
PROVIDING INVOICE RELATED SERVICES
13 SEPTEMBER 2019
WEBINAR

2. OTP EBIZ – CASE STUDY

3. OTP EBIZ – CASE STUDY

4. OTP EBIZ – CASE STUDY

5. OTP EBIZ – CASE STUDY

6. OTP EBIZ – CASE STUDY

7. OTP EBIZ – CASE STUDY

8. OTP EBIZ – CASE STUDY

9. INVOICE
DATA
INVOICING
ACCOUNTING PAYMENT
WHY? – INVOICE DATA
IS A KEY ASSET
• Invoice data is the most profound financial
transactional data
• Digital invoice data is a key asset for both
the bank and the SME
• Charlie-India Invoice HUB
• makes digital invoice data accessible
• enables the bank to become an invoice
data hub

10. WHY HAVE IT WITHIN THE BANK? - MAXIMUM CONTROL OVER
DATA AND CUSTOMER ACCESS
Bank is the primary
payment initiation
place
Dashboard/BFM
integrating many
features (data)
keeps the
customer at the
bank

11. WHY NOT DEVELOP THE SOLUTION BY YOURSELF? – PROJECT
PREPARATION AND IMPLEMENTATION CAN BE DECREASED IN
TERMS OF TIME AND RESOURCES
Expertise in invoicing
Online prototyping product development
to arrive to an MVP
Modular implementation
• Invoice issuing/customer invoice
management
• Invoice inbox and supplier invoice
management
• Invoice payment
Minimum IT development
Savings on bank resources required for
implementation
Additional features implemented later
Invoicing is non-core to banks
Product development takes a lot of
time&effort
Multicountry invoicing becomes
more complex, solutions are not
scalable globally
Invoice receipt is not truly digital

12. READY MADE INVOICING
APPLICATION
Issuing and sending invoices, operations on invoices, matching invoice and
transaction data
Customer
invoice or
pro-forma
invoice
Complies tax
regulations, self-
billing and FX
invoices are included
Issue invoice Send invoice
Customer
Invoice payment
Financing offers
Input data for dashboard
and data analysis
Data exchange with other systems
Matching
invoice and
payment
transacion
Data can be exchanged
with other systems in a
structured data format
Invoice operations
Clone the invoice
Cancellation invoice
Invoice from pro-
forma invoice
Cancel pro-forma
invoice
Operations on
invoices can be
carried out with one
click
The invoice is sent from the
system to the customer
together with an
accompanying message
The system matches
invoice and payment
transacion data

13. INVOICE RECEIPT AND
PAYMENT CREATES VALUE
Supplier
invoice
Invoice receipt , approval and payment
Pdf/Paper invoice
Electronic invoice from other
Charlie-India systems
Other electronic invoice
with structured data
Invoice receipt/
approval
Automatic
data processing
Automatic
data processing (data
mapping required at the bank
level)
Manual data input or OCR
solution
Invoice inbox Invoice Payment
The SME gets all its
invoices into the
invoice inbox
integrated into the
online bank
The SME can view, approve or
reject the invoices. In case the
invoice is approved, the invoice
is put into supplier invoices vy
the system
The SME can do a 1-click payment
of the invoice: the payment
instruction is generated
automatically, which can be
approved by the SME as a credit
transfer
Aautomatically
generated
payment
instruction directly
from the invoice
Accounting data (invoice data and
payment data) can be exported to
accounting systems, or native data
connections can be set-up very
easily with any software
Financing offers
Input data for dashboard
and data analysis
Data exchange with other systems
Data can be exchanged with
other systems in a structured
data format

14. REALIZING
NETWORK
EFFECTS
FASTEST
GROWTH
Banks servicing SMEs
Lowering costs of e-invoicing interoperability
for accounting software and ERP systems
Engaging large invoice issuers and corporates

15. CASE STUDY: DECENTRALIZED INTEROPERABLE
E-INVOICING NETWORK IN HUNGARY
• Invoicing interoperability means that
invoices may be sent and recevied
electronically (with data exchange
compatibility) among all participants
of the network.
• SMEs from Bank 2’s network may
send a true-e-invoice ot an OTP
ebiz customer and vice versa.
• Payment happens with 1-click in
each banking system.
• This means that Budapest Sewage
Works (pilot phase) is able to
present its invoices within the OTP
ebiz system/Bank 2, where it can be
paid by 1 click.
• Groupama presents e-invoices and
enables 1-click payment for retail
and SME customers using OTP
eBIZ resources.
BANK 2

16. Contact:
Katalin Kauzli
Business Development Director
katalin.kauzli@partnerhub.hu