The BFS industry track touched upon analyze and digitize as themes. Included "Achieving Data Leadership & Deeper Timely Insights" and "mPayments" as two areas for customer talks, points of view and panel discussions. Chaired by M.V. Ramana Murthy, VP & Head, BFS, TCS

3. Relevant Global Trends
Consumer
Behavior/Expectations
Payments at a Cusp of
Innovation
Regulatory Landscape
Globalisation /
Global Standards
Competitive
Pressures/Threats
Evolving Financial Crime
B2B Demands
 Shift to Debit, Decline in Check, Cash
 Value Conscious, Need for convenience
 Service Expectations, Instant handling
 Recognition, Personalisation, Control
 Mobile/NFC, Social Network, Location Intelligence
 Diverse form factors, Ubiquitous access
 Micro-payments, Virtual currencies, Prepaid cards
 Financial Supply Chain Management
 Promoting efficiency & competition
 Consumer protection , Transparency, Portability
 Interchange and Pricing regulations
 Data and Reporting standards
 Demand for cross border payments
 Regional ACH systems
 Global message & security standards
 International Payments Framework
 Alternate Payment Services
 Third party bill payment, mobile & P2P schemes
 Entry of non-traditional players (Retail, Telecom)
 Commoditization, Reducing barriers to switching
 Ease of doing business, Seamless Integration
 Improving Efficiencies and Service
 Real-time, faster bulk payments
 Complete information with payments
 Emerging technology risks
 Data and Identity theft opportunities
 Fraud rings, Increasing cross-border activity
 Money laundering, Stringent AML regulations
1
3
4
6
7
2
5
Strategic Response Themes
Analytics &
Insights/
Big Data
Channels & Form
Factors
Enterprise
Fraud and Risk
Systems
Global Message
Standards
Partner
Ecosystem
Customer
Loyalty and
Retention
Open API/
Software
Platforms
Enterprise Risk
and
Compliance
Tokenization &
Encryption
Payments Hub
Cloud Services
New CSMs/
Payment
Schemes
B2B Integration
Information
based Services
Analytics for
Test & Learn
Risk & Fraud
Analytics
Behaviour
based
Authentication
Faster
Payments
Canonical Data
Models
Insight driven
Service
Excellence
Straight
Through
Processing

4. Mobile Devices purchases will exceed $1 Trillion by 2017
Just above 2.5% of worldwide commerce theoretically addressable by mobile payments
Source IDC Financial Insights
1 32

5. • Cloud Services
• E-Wallets
• Proxy Payment
• Bill Payments
• Mobile POS
• M-RDC
• Contextual Offers
• 2D Barcodes for payments
• Open APIs and Software
Platforms
• NFC based payments
• Open Mobile Wallet
• Offer redemption at POS
• Location Aware Applications
• PFM across Banks
• Spend Advisor for best payment
• Closed Loop Mobile Wallets
• QR / Color Code
• Carrier Billing
• Social Share of Card linked
Offers and purchase experience
• Dynamic Card
• Alternate Digital Currency
• Enhanced Authentication /
Biometrics
• Speech Recognition
• Wearable device authentication
Time Horizon
Adoption

6. •
•
•
•
•
•
•
•
•
•
•
• 
• 
• 
• 
•
•
•
•
•
•
•
•
Value added services that enhance the experience and deliver benefits to the end user before,
during and after the payment activity will be key to driving mobile payment adoption

7. m-Commerce
Payment
Physical
POS
Payment
e-Commerce
Payment
Remote
P2P
Payment Credentials stored on :
Cloud Device
1.0
1.5
1.5
1.5
Empty Hand
Card
Card
Card

8. •
•
•
•
•
•
•
•
•
•
•

10. Global Head of Mobile Strategy, Products and
Programs, Citi Global Consumer Technology
Head of Cards and Payments, TCS

14. •
•
•
•
•
•
•
•
•
•
Complement existing Enterprise Data
Warehouse
Data Transformation Platform, ETL -> EL-T
Warm Data Archival
Digital Asset Management
Customer Acquisition & Retention
Regulatory & Compliance
Risk & Finance

15. Source: www.tcs.com/BigDataStudy

16. Source: www.tcs.com/BigDataStudy

17. Source: www.tcs.com/BigDataStudy

21.  Micro Segmentation
 Campaign Management
 Next Best Action
 Increase wallet Share
 Customer Sentiment
 Brand /Product Sentiment
 Loyalty Management
 Channel Strategy Churn Prediction
 Product Customization

22. Chief Information Officer, Equifax
Head of Big Data and Analytics Practice
for BFS, TCS