Corporate and Offering Overview - TAS Group
Transcript of Corporate and Offering Overview - TAS Group
TAS Group | ©2022
TAS Group is the strategic partner for business innovation and digital transformation in Payments,Capital Markets andExtended Enterprise
Our MissionTo innovate and optimize mission-critical applications of financial operators
To create value for businesses through long-term relationships with our customers
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A Fintech start-up with over 35 years of experience
TAS Group | ©2022
A growing worldwide presence
Global Payments SpA
Holding Headquarters TAS SpARome, Italy
Mantica Srl
Bologna, ItalyRome, ItalyMilan, ItalyParma, ItalyPrato, ItalyVerona, ItalySiena, Italy
Domestic Subsidiaries
Locations
TAS Group operates at a global level with a strategicfocus on domestic and international marketsthrough its companies Global Payments SpAand TAS International SA
TAS France SASUSophia Antipolis, France
TAS USA IncNew York, USA
TAS Brasil LTDA São Paulo, Brazil
TAS Iberia S.L.U Madrid, Spain
TAS Germany GmbH Munich, Germany
TAS Eastern Europe d.o.oBelgrade, Serbia
Global HeadquartersTAS INTERNATIONAL SA Lugano, Switzerland
Infraxis AG – Infraxis UKLugano, Switzerland – Leeds, UK
Subsidiaries
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TAS Group at a glance
1982Founding
year 2000
Listed on the ItalianStock Exchange since OVER 550
EXPERTS
Customers in over
20 countries
GLOBAL PRESENCE
More than
35 years experience
Over
100Mcards managed
70% of market coverage in
the Italian banking sector
50+financial institutionsuse our securities and
financial solutions
30+ banks
worldwide use
TAS EMV solutions
Leader
in the Liquidity Management
solutions for the EU Consolidated
TARGET Services
TAS Group is the
market leader in
Italy for software solutions for e-money, payments and liquidity management
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TAS Group: worldwide payments expertise
Among the top 100 Fintechs
in the world (since over a decade)
360° coverage of the payments
value chain
65% of the Acquiring systems and more
than 75% of the Issuing systems in
Italy are managed by TAS software
Main areas covered in payments:
• Cards/e-money: Issuing and Acquiring ATM (TAS is leader in both segments in Italy ) and Acquiring POS (~ 25% of POS Mgt in Italy), Authorization Processing and Fraud Management
• Non Card-based Payments: domestic interbank payments leader with over 70% of mkt share, Instant Payments schemes gateway (100% market share in Italy), SWIFT (both certified interfaces and services with over 50 banks connected), e-Gov payments (italianstandard pagoPA solutions used in 5 country regions and hundreds of municipalities), Corporate and Open Banking / PSD2 solutions
• Financial Value Chain: TAS collaborative e-platform (PayTAS) provides public and private creditors with constantly updated monitoring of the pending, and the entire current and historical collection process
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TAS Group: playing a key role in European payments
Today, our mission critical solutions are trusted by major financial industry customers • They sit at the heart of the financial messaging layer of T2
and T2S at Eurosystem level, managing over 1 million payment messages per day*
• They run in the card management infrastructure of the largest prepaid issuer in EU
• They are the chosen technological framework offered by the first EU Instant Payments CSMs to their participants
• They provide a trusted liquidity management framework for Banking Treasurers, ready to support TARGET Participants in the upcoming Consolidated T2/T2S/ECMS migration
For over 25 years, TAS Group has assisted Commercial and Central Banks in harmonizing their SEPA infrastructures, from the domestic RTGS migrations towards TARGET2, to the transformation challenges required by T2S, TIPS and the upcoming ECMS.
* Source: ECB Annual Report
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TAS Group at the heart of the payments revolution
ISO 20022
Open Banking
Digital Trans
formation
Micro
Services
Instant Payments
ML &
Big Data
PSD2TAS Groupexpertise
CBDC
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Satisfying a growing need for…
HARMONIZATIONINTEROPERABILITY
IMMEDIACY
IMPROVED SECURITY
INCREASED FUNCTIONALITY
CONVENIENCE
GREATER ACCESS TO DATA
HIGH CUSTOMISAZION
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Adding value through experience and innovation
• Software Applications
• Software as a Service
• Project Implementation
PaymentNetworks
Intraday Liquidity
OpenBanking
OmnichannelPayment
Acceptance
ML &Big Data
Hosting &
Cloud Services
Cards & Digital Payments
• Application Management
• Professional Services
• Hosting & Cloud Services
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TAS Group Platforms
MODULARRelies on innovative programming
models offered by the Java EE 7.0 platform
.
FLEXIBLEFramework designed for the highest level of adaptability in any HW/SW configuration deployment
PORTABLETotal independence from application
server, OS and DBMS; true portability at no additional cost
.
SCALABLEExpand services individually to match business growth
Our end-to-end solutions are designed based on four pillars
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Card & Digital Payments
• Covers the entire card payments value chain, including card program design and configuration, card and PIN production, payment processing, fraud management, management of ATMs and EFT-POS terminals, and Merchant and ATM Acquiring
• Supports physical and digital cards, remote and contactless payments, Apple Pay and Google Pay
• Independent modules make designing and managing payment products and services easy
• A comprehensive set of open APIs and rich functionalities, lets you innovate your offering, design unique user experiences and deliver innovative digital payments solutions.
• Leveraging over 35 years of leadership and experience in the CMS market to help leading European banks accelerate their digital innovation and transformation
A state-of-the-art card and digital payments platform powering innovation for Issuers, Acquirers and Processors
Deliver innovative products and reduce time to market with a modern card issuing, processing and acquiring platform, either on premises or in the Cloud.
TAS Assets and Competences
Out-of-the-box “Challenger banking” features
Over 100 million cards managedworldwide
14 years of recognized leadership in EMV migration across Europe
Issuing & Acquiring
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Testing Automation
• Collaborative enterprise-wide testing for the entire payment infrastructure, available as an on-demand service or deployed locally
• Regression testing, ad-hoc functional testing and performance testing
• Always Available : 24/7/365 availability for testing via the browser
• Supports TCPIP and HTTP channels where XML, SOAP, JSON, tag-length-value and bitmap data can be used to communicate with systems following a defined protocol
• Native support of ISO8583 and ISO20022, and virtually any other standard or format can be supported
• Rich set of predefined Test Packs designed for specific Payments Use cases, downloadable from the IQS Asset Store
A collaborative on-demand testing platform for the payments sector
Value Proposition
IQS A smarter way to test
Boost testing efficiencies,improve quality, reduce costs,
reduce risk, speed up time to market in releasing
payment products
Help businesses to improve quality, reduce time and costs and fully leverage agile software development
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Liquidity Management
• Core expertise in both business and functional domains
• Established relationship with regulators (Central Banks and Custodians)
• Leading solution for the Eurosystem’s T2/T2S Consolidation and ECMS projects
An innovative and modular Liquidity Management System to help banks in the digital transformation of their treasury. Aquarius is ISO 20022-native and is the first liquidity management system to provide:
• An integrated view for cash, collateral and liquid assets in central and commercial bank money
• Real-time monitoring of multi-currency accounts and transactions, even on a targeted, single currency
• Real-time and forecasting of BCBS248 metrics and customer limits to support operations, Intraday Liquidity Reporting and Automated Stress Testing
A real-time intraday liquidity management platformfor Securities, Cash and Collateral
TAS Assets and Competences
Over 100 customers worldwide
TAS Capital Markets products are used by many European global banks, dealer
brokers of the Fortune Global 500 and leading
Inter-bank Service Providers
Chosen by over 40 Commercial Banks and a Central Bank to deliver the Vision
2020 Eurosystem migration
Responds to a growing focus on liquidity optimization following strict new controls on intraday operations (e.g. Basel III), wide use of collateral and system risks (e.g. EMIR, DODD Frank), and the liquidity bank assets.
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Payment Networks
• Efficiently manages all payment types and network access, national and international
• Enables full independence from Network Service Providers (NSPs)
• Modular architecture offering individual business and/or network drivers
• Fully ISO 20022 compliant
• SCTinst-ready with multiple CSMs
• Acts as an access hub to SWIFTNet and SIAnet, the Internet, and as a transformation/validation engine for frameworks including SEPA, FIN, Funds and the new consolidated Target services via ESMIG
Interbank Networks and Messaging hub that decouples back-office applications from network complexities for complete NSP autonomy
Value Proposition
TAS Assets and Competences
Manages more than 1 million payments each day.
Handles an average of 10 million transactions/day for T2S with peaks of
300 trx per second.
More than 20% of all financial transactions exchanged among
European Banks rely on this TAS solution
• SWIFT-certified experts and interfaces
• Deep expertise in changing regulatory environment and key market infrastructure frameworks
TAS Network Gateway 3.0 messaging hub infrastructure is used by the EuropeanSingle Shared Platform for T2 and T2S managed by the European Central Bank.
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Open Banking & APIs
• Accelerates delivery of new API-based services
• Full availability of PSD2 regulated services
• Full compliance with SCA requirements
• Natively integrated with Instant Payments gateways
• Facilitates TPPs in service roll-outs by decoupling and harmonizing ASPSP API interfaces
• Provides EIDAS certificates key management and SCA management utilities
The open APIs platform enabling PSPs and TPPs to embrace open banking and fully leverage PSD2
Value Proposition
Enabling financial institutions to play an active role in the new payments
landscape and transition to a banking as a platform paradigm
tasTPP Enabler
Helps Banks/PSPs and TPPs take advantage of partnerships with FinTechs, leverage new digital technologies and deliver innovative,customer-centric services
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Fraud Management
Value Proposition
• Leverages Machine Learning combined with our proprietary "Adaptive Intelligence” platform to quickly spot payment anomalies for both card- and account-based transactions and take preemptive actions, or appropriate responses when fraudulent activity is confirmed.
• Fraud Protect interacts with the customer environment in real time (be it a PSP, TPP or a Merchant) to enable swift preventive measures.
• Uses advanced predictive engines to support Transaction Risk Analysis (TRA). In line with PSD2 and with the technical standards issued by EBA for strong customer authentication (SCA), Fraud Protect also offers functions to maximize the application of SCA Exemption.
Uses Advanced Analytics and Machine Learning to identify payment anomalies for both card- and account-based transactions
Today transactions security represents a key factor for PSPs, not only to protect their end users but
also to compete in the new scenarios opened up
by PSD2 and Instant Payments.
The innovative and flexible product for monitoring and preventing payment fraud in real time. Fraud Protect is powered by Mantica Adaptive Intelligence
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Empowering your business with AI and Machine Learning
Today’s businesses need predictive and prescriptive advanced analytics to discover opportunities for growth in an increasingly competitive landscape. Machine Learning is the solution to make decisions on time and accurately.
Through our analytics specialist company, Mantica, we are bolstering our solutions with powerful Artificial Intelligence and Machine Learning technologies.
Our solutions Fraud Protect, Payment Intelligence and Harmonizer allleverage Mantica’s Adaptive Intelligence capabilities to make the difference to your business.
We are continually adding new solutions to meet your evolving needs in a rapidly shifting landscape.
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Key certifications
* Health Data Hosting (HDS), TAS France data center
PA-DSS
PCI-DSS
EMVCo3DS 2.X
ISO 27001:2017
ISO 9001:2017
HDS*
SWIFTSIP
SWIFTCBPR+
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Housing, Hosting and International Networks Capabilities
Autonomous Public System: AS8554
• RIPE Local Internet Registry
• Autonomous routing and traffic management
• Unlimited IP addresses allocation
Our Tier 4 datacenter located in Sophia Antipolis offers maximum flexibility and scalability, and best-in-class cloud and hosting services, thanks to powerful, latest-generation IT infrastructure
• 5 Points of Presence in France and Italy• Redundant fiber channel backbone n*1 Gbps• 2 Datacenters in Sophia Antipolis• Low latency Internet access:
Sophia - Paris : 16 msec RTT Sophia – Milan : 8 msec RTT
• 3 Points of Peering (Sfinx, FranceIX, Equinix)
IP Transit with International Network Operators • Lumen (ex-Century Link - Level3)• Cogent• Opentransit-Orange• GTT (ex-Interoute)
Performances and SLAs• Lan-to-Lan, MPLS, Transit IP v4 and v6• Security : VPN, Firewall, IPS, redundant
DDoS protection, SOC, SIEM, …• Availability: 99,99%• Recovery time : 4 hours• Traffic latency: intra-Europe 50ms,
s USA & Canada 80ms• Packets delivery: 99,9%
Enables you to leverage innovations in technology and to scale up as necessary without the need for large investments upfront
✓ Redundancy ✓ Service Continuity ✓ Local Presence✓ International capabilities
The information contained in this document cannot be distributed to third parties without the written authorization of TAS S.p.A
Thank [email protected]
The information contained in this document cannot be distributed to third parties without the written authorization of TAS S.p.A
Thank [email protected]