STEP2 and the SEPA migration end date - Transactives 2013/Presentations 2013... · Euro Banking...
Transcript of STEP2 and the SEPA migration end date - Transactives 2013/Presentations 2013... · Euro Banking...
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– Confidential –
STEP2 and the SEPA migration end date
SEPA Migration Day
Brussels, 20th March 2013
John Broxis
Service Director STEP2
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Confidential
Agenda
• Introduction of EBA CLEARING
• 10 years of STEP2 - the Pan-European ACH
• Preparations for the SEPA migration end date
• MyBank
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Confidential
Introducing the EBA Group
EBA
Euro Banking Association
EBA CLEARING
Operator of
EURO1/STEP1/STEP2
• Discussion forum for payment
practicioners
• Developer of European payment
initiatives
• Founded 1985
• Over 210 members
• Operates the pan-European
payment sytems EURO1, STEP1,
STEP2 (SCT/SDD Core + B2B)
• Founded 1998
• 64 Shareholders
• About 250 direct participants
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Confidential
• Introduction of EBA CLEARING
• 10 years of STEP2 - the Pan-European ACH
• Preparations for the SEPA migration end date
• MyBank
Agenda
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Confidential
Create simplicity
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Expensive Fragmentation Cost efficient Integrated payments
environment
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Confidential
STEP2: the pan-European SEPA platform
Migration of national volumes to standard STEP2 SEPA Services
Migration of national volumes to dedicated STEP2 Services supporting national legacy
formats
Legend:
Migration of national communities to STEP2
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Confidential
STEP2: the pan-European SEPA platform
100%
reachability
SCT SDD
Performance
Resilience Governance
Functionality Pricing
Compliance
AOS
VAS
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Confidential
Reach
25 91
46 168
135 14 16
13
27 96
65
78
230
2,582
383
191 123
22
35
42
76
11
31
24
20
30 9
16
18
26
30
Status: March 2013
STEP2 SCT Service
Reachable Banks
3
125 of which are Direct
Participants
STEP2 SCT
4,676
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Confidential
STEP2 February Statistics
STEP2 Daily Average Volumes
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Confidential
STEP2 SCT Monthly Statistics
Percentage of SCT Monthly Traffic Sent by Country
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AT 2.49%
BE 4.68%
BG 0.04%
CH 1.61%
CY 0.27%
CZ 0.40%
DE 13.58%
DK 0.40%
EE 0.15%
ES 2.12%
FI 37.78%
FR 11.32%
GB 1.13%
GR 0.15%
HU 0.21%
IE 1.68%
IS 0.01%
IT 11.47%
LI 0.02%
LT 0.09%
LU 3.03%
LV 0.16%
MC 0.07%
MT 0.08%
NL 4.59%
NO 0.26%
PL 0.49%
PT 0.35%
RO 0.10%
SE 0.74%
SI 0.20%
SK 0.32%
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Confidential
STEP2 SDD Core Monthly Statistics
Percentage of SDD Core Monthly Traffic Sent by Country
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AT 0.20%
BE 92.42%
CH 0.02%
DE 4.17%
ES 0.04%
FR 0.98%
GB 0.16%
IE 0.28%
IT 0.03%
LU 0.01%
MC 0.04%
MT 0.97%
NL 0.19%
SI 0.49%
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Confidential
• Introduction of EBA CLEARING
• 10 years of STEP2 - the Pan-European ACH
• Preparations for the SEPA migration end date
• MyBank
Agenda
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Confidential
How many payments are there?
30th October 2012
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Confidential
SEPA migration end-date requirements
30th October 2012
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Confidential
STEP2 Roadmap for the SEPA Migration End Date
Releases:
SCT Additional Cycles 20th February 2012
SCT Batch Processing 30th April 2012
STEP2 Performance Program July 2012
SCT & SDD Rulebook (+ other) Changes 19th November 2012
SCT & SDD Functional Releases Q1 / Q2 2013
SCT 4pm Cycle September 2013
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Confidential
STEP2 Batch Processing
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Confidential
SEPA migration end-date requirements
30th October 2012
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Confidential
• In 2009, EBA CLEARING mandated IBM to perform a
benchmarking of STEP2 System. It demonstrated that:
– STEP2 was capable of processing > 10 million transactions per day
– With simple software and hardware improvements and using IBM
scalability, a much higher volume could be achieved
• During 2009 – 2011, various improvements were made:
– Natural evolution of hardware and processors
– Some software and parser changes to remove bottlenecks
• In 2011, it was decided to conduct another complete
assessment of the processing capacity and overall
performance of STEP2
STEP2 Performance enhancement program
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Confidential
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Measure
Evaluate Plan
Change
STEP2 Performance enhancement program
Approach:
- Priorities and objectives were defined
- Possible enhancements were
discussed and then tested in
isolation, and then rated against the
measurable performance
improvement
- Qualified enhancement were then
planned for a future release
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Confidential
• The final test of the program was run with all the qualified
enhancements implemented on the dedicated environment and using
realistic test scenarios.
• When all improvements will be implemented, STEP2 will be able to
process over 500 million payments per day
STEP2 Processing Capacity
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Confidential
SEPA migration end-date requirements
30th October 2012
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Confidential
• Today, STEP2 has state-of-the-art
resilience capabilities.
• In November 2013 EBA CLEARING
decided to built and operate a third
site for STEP2 in another country.
• A third site, located in another
country will give full technical,
legal and operational resilience.
SEPA migration end-date requirements
30th October 2012
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Confidential
Resilience
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• EBA CL is partnering with SIA and IBM
who will provide the ‘third’ site by the end
of 2013.
• The site chosen is one of the most secure
data centers in Europe, designed and
built for banking infrastructures.
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Confidential
SEPA migration end-date requirements
30th October 2012
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Confidential
• New pricing model for banks with
large volumes.
• Move towards, fixed price for over
500,000 payments per day.
• Pricing will fall for very large
volume users.
SEPA migration end-date requirements
30th October 2012
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Confidential
Beyond SEPA migration…
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30th October 2012
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Confidential
And after the end date…
• Meet the requirements for Systemically important systems and
secure settlement.
• Introduce SEPA card clearing
• Introduce multi-currency processing to Support the Nordic banks in
their creation of a Nordic Payment Area (NPA)
30th October 2012
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Confidential
• Introduction of EBA CLEARING
• 10 years of STEP2 - the Pan-European ACH
• Preparations for the SEPA migration end date
• MyBank
Agenda
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A secure Europe-wide e-authorisation service
for e-commerce transactions
What is MyBank?
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• Consumers want a simple, trusted and secure online payment solution
• Merchants look for improved online payment methods
• Payment Service Providers (PSPs) are keen to (re)position themselves and leverage use of online banking portals
• Public Policy pressure on the PSPs to innovate ‘beyond SEPA’
The market wants a solution
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E-Mandates
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E-Mandate
• SEPA Rulebook compliant solution
• Create, modify and cancel SDD mandates electronically. No Paper.
• Debtor Bank confirms that the Debtor has signed the electronic mandate.
− Creditor refund period limited to eight weeks, instead of 13 months.
− Debtor Bank can comply with Debtor’s instructions concerning white listing.
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Mobile Payments
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The future…
• MyBank solution can be further developed to facilitate:
− Mobile use
− Payment on delivery
− E-identity services such as age verification or address verification
− E-Invoicing
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Buying while waiting for the train…
Great! Madonna in concert next month. I wonder if I can still get tickets?
Let’s click and buy
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I scan….
… and I
authorise the
payment.
…I authenticate myself…
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E-Identity
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The future…
• MyBank solution can be further developed to facilitate e-authorisation
− Are you over 18?
− YES
− Do you have an address in France?
− YES
− Are you really John Broxis?
− YES
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Support for MyBank
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Who’s talking about MyBank?
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Ecommerce Europe
• Ecommerce Europe was founded by leading national e-commerce associations across Europe
• For more information, please also see www.ecommerce-europe.eu
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50 supporting payment service providers
• A growing number of PSPs across Europe have declared their support for the solution
• A list of potential future participants can be found at: www.mybankpayments.eu/N=List_of_Potential_future_participants.aspx
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MyBank, live in
Luxembourg
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• 11 Financial institutions will join MyBank on 25th March.
• 9 Financial institutions from Italy.
• Support from major Italian internet merchants during the Pilot phase.
Support in Italy
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MyBank launch: 25th March 2013
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To learn more…
www.mybankpayments.eu
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Confidential
www.ebaclearing.eu
EBA CLEARING
40 rue de Courcelles, F-75008 Paris
Tel. +33 1 53 67 07 00