Payments CEE Summit | tas

Dragan Spanovic

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• The number of digital retail banking users is expected to jump by

53% to nearly 3 billion by 2021

• Messaging and advertising through every payment channel

represents another avenue for extending your overall brand and

marketing campaigns

• Having the right tools and solutions to boost digital sales and acquire

new clients over digital channels has never been more important to

banks

• Successful Digital Marketing involves promotion of products and

services via websites, via social media, via Internet search, online

ads, via ATM channel, and any other

• Proactive and efficient management of ATM, Kiosk, EFT-

POS terminals, internet channel and channels of mobile

devices in a fully automated and integrated environment

• “End to end” payment process control

• Same SW manages all parts of the system (Card

Management, Accounts, Terminals, Switching,

Gateways…)

• Real-time and direct management and maintenance of

client interactions on all touch points.

ISO 8583ISO 20022

PSD2…

Acq

uir

ers

Ban

ks/P

SPs

Car

d O

rgan

izat

ion

s

WEB Mobile ATM Kiosk EFT POS

….. ….. …..

Exte

rnal

Sys

tem

s

CMS/CORE Banking

TMS/Switch

Online Banking(WEB & Mobile)

ATM/Kiosk EFT POS

TRADITIONAL ARCHITERCTURE NEW ARCHITECTURE

GATEWAY FUNCIOTION

Processor gets fees per:• ATM• Card• Transactions• POS

POS POS ATM ATM ATM POS

….. ….. ….. …..

Processor gets fees per transactions OFF US only

CORE BANKING

CORE BANKING

TAS CMS TAS CMS

TAS TMS/SWITCH

PROCESSORCards, ATMs, Merchants, …

TASTMS/SWITCH UNIVERSAL

PROCESSORSGATAWAY

ATM Management,Card Authentication, etc.

• Device management is automated and can be left to the

software. This item is no longer paid to Third-party

Processor.

• Cards are entirely managed by the bank and bank enables

full and independent realization of the “on-us” transaction.

This item is no longer paid to Third-party Processor.

• Routing of transactions initiated by the bank's cards from

its acceptance network to the bank's card system, routing

of "foreign" transactions from the bank's accepting

network to the Gateway and acceptance of transactions

initiated by the bank's cards in "foreign" networks. This

item significantly decreases payments to Third-party

Processor.

• Orchestration of all customer interactions across multiple

touch points

• Unique source for Data Analytics (Clients, Cards, Accounts,

Transactions, Devices, Merchants, Payment Channels etc.)

• Ideal base for Customer Relationship Management and

Customer Lifecycle Management systems introduction

• It is wise to include a marketing message in every channel of

communication, which reaches to the customers. Marketing for

banks using the ATM channel needs to be eye-catching and

should essentially lead customers to action which requires less

effort and quick techniques skillfully embedded in banking

services.

• Modern ATMs are swift touch points, which enable customers to

do more than just cash dispensing from multiple locations. Many

banks consider the ATM as an essential medium to regularly

interact with customers spread wide and far. ATM marketing

plays a key role in promoting banking services creating an

everlasting impression on the customer’s mind.

• Powerful, easy to use tool for marketing campaigns creation and

management on ATMs

• Part of TAS Universal Channel Management Architecture - ATM becomes

a part of Bank WEB environment

• Targeted Campaigns - for single ATM, group of ATMs or the whole ATM

network

• Advertising, promotions, dynamic campaigns composed by different

elements, Images, videos and audio files

• Attractive marketing material to appear on ATM screens during “welcome

message”, transaction process, idle loop, “please wait” and “thank you”

screens or to be printed on receipts or coupons (receipt becomes a

coupon)

• WEB oriented application – uses the same DB as TAS

Terminal Monitoring application, no duplication of data

• Server side - WEB application, used for campaign definition,

appearance and life cycle

• ATM side – service on ATM that periodically checks if there

is a campaign scheduled for that specific ATM)

• Customers are consistently drawn to various types of promotions, whether it be a special

service, new product, limited time discount on a product or service, or the chance to win a

prize based on a purchase.

• Promotions create a sense of urgency in a customer. The individual realizes that if he or

she doesn’t act now, they may miss out on a rare opportunity to get a great deal.

• Customers like to know who they are doing business with and feel as though they are

more than just a number.

• TAS enables you to create and upload re-usable campaign elements/files (messages,

images, videos, audio…) to be used by different campaigns and to specify duration of each

element

• TAS allows you to create ATM groups or individual ATMs from ATM network that are going

to run different campaigns under unique campaign names

• Define campaign Start and End date

• Choose campaign status (active, nonactive), receipt text,

campaign version…)

• Select and add campaign elements in the desired order

• Each campaign element is defined by its name and duration

• During element selection, campaign can be previewed in

order to control campaign appearance

• Select and add ATM group on which the campaign will run

• During selection, details of each chosen ATMs from the group are displayed

(time/date when campaign is downloaded and campaign version)

• Define Start and End date of campaign on each group of ATMs if different

from defined duration of the campaign

• After campaign definition, the campaign will automatically ride on selected

ATMs / ATM groups at defined time frames

• Only single campaign can be defined for a specific ATM group at a specific

period

• During its lifetime, campaign can be updated by changing elements, duration

or target ATM

• Access to cash for many in society is remaining essential during the currentlockdown around the globe. Given this, the ATM is playing an even morecritical role in ensuring that consumers have access to cash and widerbanking services while branches have reduced hours or closures, orcustomers want to avoid face-to-face or in branch interactions completely.

• Customer payment behaviors are changing rapidly. Many countries areseeing higher adoption of more low-value contactless payments, as well asincreased digital banking and e-commerce transactions. That said, the ATMis still an important self-service channel for those looking for options.

• A striking feature of ATM machines is that the user's eyes are constantly focused on the ATM screen as they are carefully engrossed with the transaction processing.

• This is the perfect 20 seconds opportunity for banks to display a static or interactive promotional advertising or to run the campaign.

TAS Group operates at a global level with a strategic focus on domestic and international markets through its companies Global Payments SpA and TAS International SA

Global Payments SpA

Holding Headquarters TAS SpA

Rome, Italy Mantica Srl

Rome, Milan, Bologna, Parma,

Prato, Verona, Siena,

Domestic Subsidiaries Locations in Italy

TAS France SASUSophia Antipolis, France

TAS USA Inc New York, USA

TAS Americas LTDA São Paulo, Brazil

TAS Iberia S.L.U Madrid, Spain

TAS Germany GmbH Munich, Germany

TAS Eastern Europe d.o.oBelgrade, Serbia

Global Headquarters

TAS International SA

Lugano, Switzerland

Infraxis AG – Infraxis UKLugano, Switzerland – Leeds, UK

Subsidiaries

TAS Group is the strategic partner for business innovation and digital transformation in Payments, Capital Markets and Extended Enterprise

To innovate and optimize mission-critical applications of financial operators

To create value for businesses through long-term relationships with our customers

UNIQUE CONCEPT

• PayStorm - A state-of-the-art End-to End card and digital payments platform powering innovation for Issuers, Acquirers and Processors/PSPs.

• Aquarius – A real-time intraday liquidity management platform for Securities, Cash and Collateral.

• Network Gateway - Interbank Networks and Messaging like SWIFTNet and SIAnet.

• TPP Enabler - The new platform enabling PSPs and TPPs to embrace open banking and fully leverage PSD2.

• Fraud Protect – Usage of Advanced Analytics and Machine Learning to identify payment anomalies for both card-and account-based transactions.

• Housing, Hosting and International Networks - Tier 4 DataCenterlocated in Sophia Antipolis, France

TAS

AQUARIUS

NETWORK

GATEWAY

PAYSTORM

FRAUD PROTECTION

HOUSINGHOSTING

TPP

ENABLER

www.tasgroup.eu

[email protected]

[email protected]

Contact us

Information in this presentation cannot be distributed to third parties without written authorization from TAS S.p.A

Payments CEE Summit | tas

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