Real-Time Payments and Settlement Comes to the United StatesA surge of activity and initiatives are underway to bring payments in the U.S. up to speed with the rest of the world

Read More on Page 10

The Global Payments LandscapeCharles-Henry Choel provides insight into this rapidly changing environment

Read More on Page 13

PAYMENTS AND TREASURY SOLUTIONS

NEWS ISSUE 3 DH.COM SEPTEMBER 2016

Payments- Processing- as-a-Service:A New Concept Set to Revolutionize Global PaymentsRead More on Page 6

Welcome to the third edition of our re-branded emagazine, Payments and Treasury Solutions News. As you browse through this edition, you’ll learn about some exciting news here at D+H. From a new website and a new company headquarters in Toronto, to the re-brand of D+H’s financial messaging solution, this edition is full of timely updates as well as in-depth articles about D+H and the payments industry at large.

In this issue, we feature an article titled “Payments-Processing-as-a-Service: A New Concept Set to Revolutionize Global Payments.” This article discusses how payments-processing-as-a-service is positioned to revolutionize the payments industry at large by centralizing, automating and simplifying payments processing, helping banks to realize real cost savings. In a secondary feature, we discuss real-time payments in the U.S. and review the opportunities upon which banks and consumers can capitalize in the face of this monumental change. An article by D+H’s Charles-Henry Choel, Group Head, Global Payments and Financial Messaging, also provides insight into the global payments landscape, and how, despite its rapidly changing environment, a few key themes will always remain.

Please enjoy this edition of Payments and Treasury Solutions News. As always, we thank you, our clients and partners, for your continued support.

Warm Regards,

Ed Ho

Welcome

Ed Ho

President

Global Payments Solutions, D+H

10 Real-Time Payments and Settlement Comes to the United StatesA surge of activity and initiatives are underway to bring payments in the U.S. up to speed with the rest of the world.

13 The Global Payments LandscapeCharles-Henry Choel provides insight into this rapidly changing environment.

06 Payments- Processing- as-a-Service:A new concept set to revolutionize global payments.

Highlights:

Regulars:Update ............................0 4

Case Study ................... 14

Events ........................... 15

Editor: Tiffany Sarmiento

Subscriptions: news@dh.com

Art Director: Deana DiVizio

Creative: Red Door Marketing

Copyright © 2016 D+H. All rights reserved. No part of this publication may be stored or transmitted or reproduced in any form or by any means, including whether by photocopying, scanning, downloading onto computer or otherwise without the prior written permission of D+H.

1STD+H’s service bureau in Switzerland was the first in the world to receive SWIFT’s

highest level of certification – the Premier Operational Practice label. And now, our

service bureau in the United Kingdom has also become the first to be awarded the

same honor for the region.

This status is given only to organizations that can pass the rigorous scrutiny of SWIFT’s

certification board. We are proud to be the first to meet these standards, and we remain

committed to delivering best-in-class solutions that help our customers succeed…

… JUST ONE MORE REASON WHY AWARD-WINNING TECHNOLOGY MATTERS.

Learn more at dh.com

dh.com

©2016 D+H USA Corporation. All rights reserved. D+H is a trademark of D+H Limited Partnership.

4 PAYMENTS AND TREASURY SOLUTIONS NEWS | SEPTEMBER 2016

Launch of D+H’s Total MessagingD+H has re-branded its flagship messaging platform to the new name, Total Messaging. Formerly known as Global Messaging Plus, Total Messaging is the technology gateway for D+H’s financial messaging service bureaus. Significant investments have been made in the platform, with new functionality such as payment order management and SEPA payments for non-European countries which are part of the SEPA agreement. With the launch of Total Messaging, D+H is able to continue supporting the financial messaging needs for corporations and banks of any size, anywhere in the world.

D+H will exhibit at Sibos in Geneva on September 26-29. Our staff and product experts will be on hand at the D+H stand for discussion, updates and product demos.

Join us in the D+H stand for a session on ‘Real-time Payments: Making Payments Faster’, which will take place on Wednesday, September 28th at 4 p.m. D+H’s Gene Neyer will provide an overview of the real-time payments landscape and lessons learned, and D+H’s Eran Vitkon will provide a demonstration of how D+H’s payments technology can move money from one account to another in real- time. In an open theatre session on September 27th, Gene will also present ‘Blockchain: The Way Forward in Payments?’ This session will provide insights on this disruptive technology and address key considerations and use cases for both banks and corporates alike. For more information, visit D+H Stand F70 during Sibos.

Have you seen the new dh.com? The revamped site was carefully constructed with streamlined navigation, real-time page loading, and an intuitive design that makes it easier than ever to find what you need – on any device. From our comprehensive product and service offerings, to white papers, case studies, webcasts and the latest news, you’ll find it all on the new dh.com.

Launch of New D+H Headquarters in TorontoIn May, D+H opened its new headquarters in Toronto, Canada. The state-of-the art office sits in the Bremner Tower – located in the heart of the growing financial district in downtown Toronto.

D+H’S NEW WEBSITE

Update

GENEVA 2016

TORONTO OFFICE

5

U.K. SWIFT Service Bureau Premier Certification and SWIFT Accreditation for PAYplus FTS D+H’s SWIFT service bureau in the United Kingdom has been awarded with the highest level of certification offered by SWIFT, the Premier Operational Practice label. With this recognition, D+H becomes the first SWIFT service bureau in the U.K. market to hold the premier rating. It joins D+H’s Switzerland service bureau, which received the honor in 2014. This makes D+H the only company in the world to have two of its service bureaus awarded the Premier Operational Practice label by SWIFT.

In related news, D+H’s payment processing and messaging application, PAYplus FTS, has been awarded with the SWIFT Certified Application label for a second consecutive year. The accreditation is given only to applications that meet SWIFT’s advanced messaging and connectivity requirements, identifying best-in-class solution providers. It is evidence that PAYplus FTS adheres to specific criteria in relation to SWIFT FIN (MT) messages, SWIFT connectivity and SWIFT functionality.

BANK OF CHINA RECEIVES CELENT MODEL BANK AWARD

Union Bank of the Philippines Selects D+H for Cash Management

This spring, Bank of China was named a Model Bank by the global financial services research firm, Celent. It achieved this prestigious recognition in the category of Corporate Payments & Infrastructure Modernization.

The award focused on the bank’s implementation of its Global Unified Payments Platform, which uses D+H’s global payment hub solution to process payments for the entire bank, domestically and internationally.

Seeking to become a leading player in the international banking arena, Bank of China decided to unify all of its global payments systems by connecting numerous local clearing systems to make payments between global branches seamless. Its Global Unified Payment Platform (GUPP) project also served to internalize payment channels, centralize and share global payment information, integrate systems and processes, and support the bank’s Renminbi (RMB) business.

The bank’s efforts were quickly rewarded with improved revenues, reduced costs and the expansion of its RMB business overseas. Within three years of the project’s implementation, the solution was rolled out to 40 branches in 26 countries. According to Celent, this GUPP initiative, combined with the speed and efficiency of its implementation, makes it a model for other banks that seek to revolutionize their business through a payments system transformation.

The project represents the bank’s push to position itself as a global leader in the international payments field, and advances its RNB business overseas. D+H congratulates Bank of China on this award, and for implementing a large and complex payment system across its global branches in such an impressive timeframe.

Union Bank of the Philippines, which provides banking products and services to more than 7,000 corporate clients, has selected D+H to provide it with a suite of cash management solutions, as it embarks on a major transformation of its cash management services business. The bank selected D+H because of its strong domain expertise and ability to provide a full suite of treasury management solutions, including payments, collections, balance transaction reporting, liquidity management, cash flow forecasting and financial supply chain capabilities.

DOWNLOAD THE CASE STUDY

6 PAYMENTS AND TREASURY SOLUTIONS NEWS | SEPTEMBER 2016

Payments- Processing- as-a-Service: A New Concept Set to Revolutionize Global Payments

Cover story

7

Whether we like it or not, software-as-a-service (SaaS) is working its way into commerce – a reflection of economic necessity, maturing technology and a cultural shift in how we think about how we do business. As banking executives make decisions about what business processes to transfer to a SaaS model, questions abound. This article explores the new payments-processing-as-a-service model, highlighting the value it can bring to banks, including substantial reductions in the cost of processing payments, as well as the technologies now available to support the model, such as multi-tenant and private virtual cloud technologies.

A Challenging Payments Environment

The challenges in today’s payments environment can be directly traced to the events of 2007 to 2008, which saw regulation reshape the payments landscape, triggering the emergence of a flurry of non-traditional payment vendors. In the wake of these developments, the adoption of innovation has accelerated dramatically, with banks looking to meet rising customer and regulatory demands while gaining the ability to drive higher scale.

What banks need is faster payments processing that is scalable, compliant and transparent, and will help them better manage large transaction volumes at a lower cost.

The pressure is especially acute for European banks, which are facing a critical inflexion-point as emerging technologies combine with rising payments volumes, increased competition, the rollout of immediate payments schemes, and changing consumer behavior and regulations. In combination these factors have worked to disrupt the payments landscape still further, putting additional stress on revenues. What banks need is faster payments processing that is scalable, compliant and transparent, and will help them better manage large transaction volumes at a lower cost. However, given that the majority of a large bank’s technology budget is typically earmarked for necessary compliance and maintenance spend on in-house infrastructure, the scope for innovation within existing models is narrow. A new approach is needed.

Payments-Processing-as-a-Service

Simply put, payments-processing-as-a-service allows a bank to move overnight from what has historically been a set of

processes and technologies owned and managed in-house, to an outsourced cloud environment managed by an external provider.

Being cloud-based, it brings all the benefits of cost, scalability and flexibility that come with cloud provisioning – precisely the capabilities banks need to navigate their way with pace and certainty through a rapidly-evolving payments landscape.

The solution is not to be confused with the long-established payments service offerings used by retailers. Instead, it is a genuinely new innovation whose impacts are nothing short of revolutionary: a comprehensive end-to-end payments processing environment that lets a bank access all the activities needed to process payments on an outsourced pay-per-use basis. And being cloud-based, it brings all the benefits of cost, scalability and flexibility that come with cloud provisioning – precisely the capabilities banks need to navigate their way with pace and certainty through a rapidly-evolving payments landscape.

8 PAYMENTS AND TREASURY SOLUTIONS NEWS | SEPTEMBER 2016

Cover storyDrivers for Adoption

Speaking publicly at a recent D+H conference, Stephanie Zee, TTS Global Payments Regulatory Head at Citi, pinpointed four specific themes that are encouraging the adoption of payments- processing-as-a-service by banks. “The first is infrastructure modernization−ISO20022 is changing needs in real-time,” she commented. “The second is the need for regulatory resilience: looking at where regulations are going and future expectations. The third theme is the advent of new technologies like blockchain, and the fourth theme is the voice of the customer. Increasingly, their expectation is real-time, because once they’ve experienced it, they expect it across all transactions. This means deconstructing payments and tracking their progress from end-to-end.”

A further factor that plays in favor of processing-as-a-service for banks is the advancing commoditization of payments processing. The fact is that the ability to process payments is no longer an area where banks can differentiate themselves or gain competitive advantage. So rather than focusing resources and attention on a group of complex and non-differentiating activities, banks are seeing an increasingly compelling business case for switching to an outsourced managed solution−enabling them to reallocate the resources currently tied up in payments processing to areas that add value for customers.

The Benefits

Payments-processing-as-a-service delivers benefits on every count. From an IT perspective, the model decreases transaction costs by reducing complexity. Because upgrades and maintenance become the responsibility of the service provider, the bank can then focus more attention and resources on value-added services for business and retail clients. These benefits are accompanied by the scalability and standardization that the model enables.

At the same D+H conference, Jonathan Parker, Vice President, Global Transaction Banking, Cash Management Sales at Santander Global Banking & Markets, cited a further related advantage. “In looking at managed service models, you create a focus on your underlying business processes, enabling you to evaluate how things can be done better,” he commented. “So you get a much clearer view of what legacy processes and systems are there and need fixing.”

In looking at managed service models, you create a focus on your underlying business processes, enabling you to evaluate how things can be done better.

9

Given the clear advantages of the payments-processing-as-a-service model over past approaches, coupled with the opportunity cost of staying in place, it is hardly surprising that banks both in Europe and other regions of the world are taking a close look at what the model can offer their business.

Indeed, it could take only a few forward-thinking early adopters to transform the entire industry to a point where payments-processing-as-a-service will become a prerequisite for participation in the payment business; a level of impact no bank in the world can afford to ignore.

A Transformed World of Payments

The Outlook:

Ultimately, banks willing to make a strategic investment in transitioning their operating model from a self-managed infrastructure to an outsourced service can realize measurable benefits across all aspects of their payments operations:

• A reduction in per-transaction processing costs. In fact, one European bank estimates they will be able to save up to 60%, by eliminating the need to own the payments hardware and software or staff specialist payments technology teams; the larger a bank’s volumes, the greater the savings

• Increased efficiencies in IT spend, since the pay-per-use model allows banks to only pay for the processing services they need, freeing up scarce budgetary resources to fuel innovation

• Higher straight-through-processing (STP) rates, due to the reduction in manual repair and reconciliation effort

• Faster time to compliance, since the service provider directly manages the technical burden of any regulatory change

• Improved performance and scalability: a cloud-based payment processing service can more effectively manage the peaks and valleys of daily processing, responding smoothly to spikes in traffic while staying ahead of the overall steady increase in annual payment volumes

• Futureproofing: access to the service provider’s newest versions and functionality, including the ability to quickly adopt innovations such as immediate payments and blockchain, without the onerous effort and delay of managing upgrades to internal infrastructure

Benefits:

10 PAYMENTS AND TREASURY SOLUTIONS NEWS | SEPTEMBER 2016

Feature

Real-Time Payments and Settlement Comes to the United States

To date, the United States has been noticeably absent from the list of countries embracing real-time payments. But, with a surge of activity and initiatives under way to bring payments in the U.S. up to speed with the rest of the world, this situation is set to change.

CO-AUTHORS: GENE NEYER, D+H; PAUL TROZZO, PNC; AND STEVE LEDFORD, THE CLEARING HOUSE

11

Around the world, the momentum behind the move to real-time payments – or “Immediate Payments,” as they’re often termed – is unstoppable and growing. Today, there are well over 20 real-time payments initiatives in operation or in planning around the world, and their impact has been dramatic. This means that the ability to make an immediate transfer of funds, so the money is available and usable instantaneously by the recipient, is now an everyday reality for millions of people and businesses worldwide – making them wonder how they ever lived or did business without it.

So, what does real-time payments actually mean? In general, it refers to credit transfers where a customer of one bank initiates a payment to credit an account at another financial institution. The credit is then validated within seconds, and a confirmation is sent back to the originating financial institution and then posted to the account, with settlement taking place instantaneously. This is the future of payments in an ‘always-on’, 24x7 digital world: the transfer of money from one account to another immediately, with certainty and convenience, and at a low cost–bringing major benefits for banks and their customers.

A Distinctive U.S. Approach to Real-Time Payments

Those benefits are now coming to the U.S. for the first time, as real-time payments arrives in the world’s biggest economy. It’s a seismic change that involves a broad range of players, and is based on an approach specifically geared to meet the unique needs and requirements of the U.S. market.

So, what’s different about the U.S.’s approach to real-time payments? Well, as in other countries, the central bank–in this case, the U.S. Federal Reserve – has collaborated with the payments industry and taken steps to facilitate the move to real-time payments. The Fed’s actions have included establishing the Fed Faster Payments Task Force to identify effective approaches. However, while the central banks in other countries have usually mandated and controlled the adoption of this system. The Federal Reserve is taking a more facilitative, hands-off approach.

Under this strategy, the Fed is encouraging the private sector to innovate and develop solutions that create a powerful business case for real-time payments adoption, generate a wide array of strong use cases, and thereby attract the widest possible adoption by banks and other market participants.

An Enthusiastic Response from Multiple Players

All of this underlines that when it comes to real-time payments in the U.S., the market – supported, supplied and enabled by

the private sector – will decide the best way forward. And the market has taken up the challenge with enthusiasm, with many parties–including The Clearing House, ClearXchange, NACHA, and several others–looking to introduce initiatives enabling or facilitating faster payments. The U.S.’s evolving real-time payments ecosystem also encompasses major payments solution providers – including D+H – as well as banks, card operators and FinTech start-ups.

While there is diversity of networks available, financial institutions should not regard the different real-time payments solutions as competitive but rather complementary, and part of a healthy and vibrant market made up of different options to meet different needs. Each network allows financial institutions to select the most appropriate network to meet their goals and strategic objectives.

A Business-Critical Decision for Banks

As banks weigh their options and plan their strategies, our conversations across the industry confirm that some remain unconvinced of the business case for investing in real-time payments capabilities, and whether or not their customers will actually want them. However, financial institutions should carefully consider this before they decide to stay out of the real-time payments revolution.

One of the great benefits resulting from the U.S.’s relatively late move to join the real-time payments community is the opportunity to learn from the experiences of those in other geographies who have already implemented schemes. And in markets worldwide, this experience has shown consistently that once financial institution customers – whether consumers or businesses – experience true real-time payments, adoption increases dramatically.

In an era where consumers are accustomed to the convenience and immediacy of online services and mobile apps, the idea that payments take two or three days to settle is something that no customer will tolerate for long. Like streamed music or mobile cameras, real-time payments is something that consumers do not know they need until they get it. And in a competitive market for payments services, those financial institutions that fall behind may struggle to retain their customers.

12 PAYMENTS AND TREASURY SOLUTIONS NEWS | SEPTEMBER 2016

Preparing for Real-Time Payments: From the Customer

Perspective

For financial institutions looking to prepare for the new world of real-time payments, the first step is to avoid thinking of it as a technology change. Instead, they should take their customers’ perspective, and think about how real-time payments could satisfy customer need. How will customers want to use the service, and what for? What impacts will it have on their everyday lives or business operations? What use cases should be harvested first?

Clearly, the answers will vary from different customer segments and different financial institutions. These insights will in turn enable financial institutions to develop ideas for the products and services which they can offer to realize these opportunities. By understanding customer needs and the solutions to meet them, financial institutions can use this understanding to drive the technical build-out.

Proceed at Your Own Pace

In approaching the move to real-time payments, it’s also important to appreciate that not everything must go real-time immediately. For example, a financial institution might start off by only receiving rather than transmitting real-time payments, and can then decide later, on its own time, whether or not it wants to send messages as well.

This will require the financial institution to answer a number of follow-up questions. Does it want to integrate bill payment services? What additional solutions would its business customers use? Are there any vertical industries it could target with real-time payments services? Would its retail customers want more advanced mobile banking and payment solutions? In answering all these questions, it’s vital to start with customer needs rather than technology.

Feature

As the U.S. enters the real-time payments era, the message is clear: financial institutions face a choice around whether or not to join the revolution, but those that decide not to do so will risk losing payments revenues, customers and a competitive edge.

Every financial institution across the U.S. must carefully identify the use cases which this system could fulfill for its customers–and, in turn, devise products and services to meet those needs, and then select a technology vendor to help them deliver those offerings.

As the migration to always-on, mobile, 24x7 digital services continues across people’s personal and working lives, payments is the next activity in line to go real-time, and the chance to provide this for their customers is an opportunity that financial institutions across the U.S. cannot ignore. Put simply, it’s time to embrace real-time payments – and enter the new era of U.S. payments.

A Leap Forward That No Financial Institution Can Afford to Ignore

Conclusion:

DOWNLOAD THE WHITE PAPER

13

Having joined D+H recently, my overriding impression of the payments world is one of an exciting, fast-evolving environment where innovation is advancing rapidly and old certainties are being continually overturned. Yet it’s also a world where robust systems, durable relationships and a proven track record of consistent delivery continue to be critical ingredients for success.

Given the pervasive and unrelenting change now underway in payments, it’s not difficult to envision a world where cash no longer exists, and where people’s payments devices might be embedded under their skin – or even etched into a tattoo on their forearm. Such possibilities are rapidly progressing from the world of science fiction into practical reality.

And within this environment of change and disruption, a handful of specific themes shine through. One is the global move toward Immediate Payments: in Sweden today, 35% of the entire population use Swish, the country’s Immediate Payments platform. And the worldwide momentum behind Immediate Payments is about to move up another notch, as the U.S. joins the real-time payments party. It is a great source of pride for me knowing that every day D+H payments technology underpins millions of faster payments around the world.

Another prevalent theme is the rising adoption of payments processing-as-a-service by a growing number of banks around

the world. As banks continue to look for new and innovative ways to increase efficiency and drive down costs, they are exploring payment-platform-as-a-service models whereby all aspects of payments processing are outsourced to firms like D+H and our software integration partners. This enables financial institutions to move overnight from what has historically been a set of processes and technologies owned and managed in-house, to a managed cloud environment whereby external providers handle every aspect of the payments process.

As a result, the bank no longer needs to bear the costs and effort of owning the payments hardware and software, of establishing and managing rigorous payments processes, or of running specialist payments teams. Instead, a partner supplies all the required systems and support, and the bank is able to realize a dramatic reduction in transaction costs and complexity. This means that it can focus more resources on adding value for its customers instead of running payments systems. So, as payments-processing-as-a-service increasingly gains traction, we’re on the cusp of a seismic shift for the industry.

A related theme is the trend towards software-as-a-service (SaaS) and hosted solutions. In 2016, D+H began the process of introducing its next generation payments and treasury platforms, through on premise and hosted delivery models. Using a hosted or managed service model, customers pay by subscription to access D+H’s leading payments and/or treasury services. D+H then hosts the solution, and operates the service in its service bureau. Customers have the option of accessing these services via a multi-tenancy environment –- whereby a

The Global Payments Landscape: A Whirlwind of Rapid and Energizing Change–Bringing Great Opportunities for InnovationCHARLES-HENRY CHOEL, GROUP HEAD, GLOBAL PAYMENTS AND FINANCIAL MESSAGING, D+H

Insight

14 PAYMENTS AND TREASURY SOLUTIONS NEWS | SEPTEMBER 2016

Case study

Insightvariety of other customers share the same environment — or via a single tenant model, whereby only one customer is located in the environment. Regardless of whether a multi-tenancy or a single tenant option is chosen, the customer is freed from the responsibility and cost of managing the hardware and software, and can instead focus on deriving the business benefits of the solution, which are delivered in a secure and reliable way.

A final theme I’d like to highlight is blockchain. While it’s unclear where it will lead, there’s no doubt that its potential in payments is enormous – and it’s attracting investment and interest to match. D+H continues to lead the conversation in this new technology as use cases for banks and corporates continue to evolve. In February 2016, we were the first vendor to announce that we had successfully integrated blockchain distributed ledger technology into a global payments services hub, allowing financial institutions to utilize a secure, closed loop distributed ledger system to connect bank networks, move money in real-time and improve access to liquidity.

Thus financial institutions are now able to utilize a secure, closed loop distributed ledger system to connect bank networks, move money in real time and improve access to liquidity. Using the solution, peer-to-peer payments can be made in real time, benefitting from the anonymity inherent in blockchain technology to ensure security and reduce risk. Today, we are now developing proof-of-concepts with some of the largest banks in the world to test blockchain’s potential to disrupt how payments are conducted, processed and delivered.

Overall, it’s clear that the pace and scale of change in the industry has never been greater. But it’s equally evident that the changes we’re seeing today are just the beginning. Each of the themes I mentioned are in their early stages – and in some cases, like blockchain, even embryonic. Put simply, there’s never been a more dynamic time to be in payments, or a more energizing one.

MN: Transforming Payments as a Critical Business Capability

With a track record of service excellence stretching back more than 60 years, MN is one of the largest pension and insurance administrators and asset managers in the Netherlands. The company administers pensions for nearly 2 million people and 34,000 employers, and has around 110 billion under management.

By nature of MN’s business, which involves handling hundreds of thousands of transactions per month, payments is a business-critical function in both operational and reputational terms. In 2012, MN embarked on a payments transformation journey to modernize its payment systems, seeking a secure, reliable solution, able to handle the increasing volume of payments for its growing customer base.

To realize this vision, MN selected D+H’s financial messaging service bureau solution and corporate

payments hub, which it now uses to run all of its payments. As a result MN is realizing a wide range of benefits, including enhanced operational efficiency; better auditability and traceability; and improved visibility of its payments processes. Together these attributes allow MN to glean insights from a single source to make better business decisions, improve its customer experience and better manage its cash flow.

DOWNLOAD THE FULL CASE STUDY

Customer: MN

Location: Netherlands

Business area: Payments

Solution: Payment Hub

15

Events

Five Things Blockchain Must Get Right. This webinar series kicked off with a thought leadership webinar in June focused on the disruption potential of the blockchain and distributed ledger technology. The discussions held with panelists James Methe, Capgemini; Krishna Vinjamuri, Barclays; and Daniele Savare, UniCredit, examined the key things blockchain must get right in order to capitalize on its potential. To listen to a recording of the webinar, please click here.

Modernizing Payments with ‘Faster’ Payments. This webinar took place in June and featured three expert panelists including Steve Ledford, The Clearing House; Paul Trozzo, PNC Bank; and Keith Riddle, Corporate One Federal Credit Union, who addressed the real-time payments initiatives underway in the U.S. Over 850 people registered for this webinar – a new D+H record! To listen to a recording of the webinar click here.

What Corporates Want From Their Banks and Technology Partners. In July a webinar was held featuring Ricky Lim, OCBC Bank; David Blair, Acarate Consulting; and James Methe, Capgemini Consulting. Presenters shared their thoughts on what corporates want and discussed technologies and strategies to address them. To listen to a recording of the webinar click here.

BAI Beacon October 5-6, Chicago IL

Finextra NextGen Banking October 11, Helsinki

Eurofinance October 12-14, Vienna

AFP Conference October 23-26, Orlando, FL

Money 2020 October 23-27, Las Vegas, NV

Insights Americas November 2, New York, NY

Finextra & D+H Roundtable November 10, Frankfurt

Upcoming Events

Webinar Series

On September 7-8th, D+H welcomed 100 attendees to a Payments and Treasury Services User Group Meeting at the Westin O’Hare in Chicago. During the one and a half day event, D+H executives and product experts shared company news and product updates, provided demos, and discussed key industry trends. Attendees had the opportunity to network with other customers during a number of informative sessions and an evening cocktail reception.

Payments and Treasury Services Meeting

D+H will hold its first annual Insights Americas conference for national and global banks, and corporations on November 2nd in New York City. During the event, D+H executive and customers will provide an in-depth look at major initiatives, key trends and current issues affecting the transaction banking and corporate treasury industries today. The agenda will cover a range of topics including real-time payments, blockchain, and advances in hosted solution delivery models. Speakers include industry experts from American Express, Bancorp, Bank of America, Capgemini, Hilton Worldwide and more. If you wish to attend, please contact us.

Insights Americas

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