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A market intelligence platform for the future
of payments.
Publishing Research Consulting
Services
www.paymentscardsandmobile.com
Payments Cards and Mobile Consulting occupies a niche position in the market. We have been in business for more than 20 years and through our Publications,Research and Advisory divisions we have an exclusive overview of the market. We offer assistance with each stage of the business cycle, from setting strategic direction and executing effective
business and process change management to ensuring ongoing corporate performance and business success.
We believe that our clients own the process of delivering change. Our role is to provide specialist advice and guidance, business development support, and market intelligence services to facilitate this change.
We always put cost effectiveness and client needs first. Each assignment is directed and controlled by a Partner or Director of Payments Cards & Mobile Consulting to ensure quality control and hands-on management involvement.
As team players, our consultants work in close partnership with our clients, forming joint working groups and project teams to get the job done. We believe in a joint working approach to ensure effective transfer of knowledge to your staff.
About Us – Payment Industry Focus
www.paymentscardsandmobile.com
PCM in partnershipIn order to better deliver our consulting services, PCM formed a strategic partnership with Accourt, the highly regarded Payments Industry Advisors.
Together we are a leading provider of independent advisory services to the payments industry worldwide, including financial services institutions, payments and technology providers, telecom operators, corporates, merchants, start-ups, trade associations and other affinity groups.
Our key focus is on developing and implementing strategies for our clients that directly improve operational performance, expand capabilities and enhance growth – by advancing the processes, knowledge and innovative practices in their organisations
Our style of deploying small, focused teams, led by industry experts, soon earned us a positive reputation in the marketplace; we expanded internationally shortly afterwards in 2002
Our clients now span the UK, Europe, the Americas, Middle East and Asia-Pacific
The local market knowledge and expertise of our consultants, combined with the “DNA of innovation” at the heart of our business, ensure the successful realisation of each project we lead for our clients.
Consulting
www.paymentscardsandmobile.com
PCM supports clients on a wide range of initiatives integral to developing and implementing payment and transaction banking strategies and operations.
Typically, these initiatives support the design, development and implementation of business solutions and operations that transform the way in which payment and transaction services are created and delivered.
IP-led payments consultancy
P2P
(Person to Person)
B2C
(Business to Consumer)
B2B
(Business to Business)
G2C
(Government to Consumer)
www.paymentscardsandmobile.com
Our Approach – Creating Value
Service PortfolioStrategy Consulting
Business Consulting
Business Development Services
Market Intelligence Services
Large Scale Research Projects
Project Management
Programme Management
Business Role in M&A Projects
RfI/RfP Process Management
Business ExpertiseCards and Payments
Internet Payments
Mobile Payments
Online/Mobile Banking
Issuer Services
Acquirer Services
Processing Services
ATM/POS Networks, Devices
Technology and Security
Client Segments ServicedFinancial Services Industry
Issuers (Banks, EMIs)
Acquirers
Processors
Payment Service Providers
Mobile Service Providers
Suppliers and Vendors
Private Equity Investors
Consulting Companies
www.paymentscardsandmobile.com
Our Business Development Framework
Client’ Plans; Client’ Strategy;
Opportunities Client’ Business Framework
Management & Control
Service Organizationand Processes
Product and Service Portfolio, Channels
Product Processing Services
IT Technology, Security,End-to-End Infrastructure
ProductIssuing
Services
ProductAcquiringServices
Markets, Competitors;Products and Services;Trends, Best Practice
Proven Methods;Technologies (IT, SW);
RfP Processes
Products, Services,Business Model, NPV
Market Intelligence;Business Development;
Best Practise
Stra
tegy
Pro
cess
OBJECTIVES
IMPACTS
REQUIREMENTS
OPTIONS
DECISIONS
RECOMMENDATIONS
www.paymentscardsandmobile.com
We Know Payments and the Industry
Card Products and Brands
Cards and Payments
Internet Payments
Mobile Payments
NFC
Online/Mobile Banking
Issuer Services
Acquirer Services
Processing Services
ATM Network and Devices
POS Network and Devices
Card Technologies
Payment Technologies
Payment Security
Card Schemes
Financial Service Industry
E-Money Institutions
Issuers
Acquirers
Processors
Payment Service Providers
Mobile Service Providers
ATM/POS Service Providers
Private Equity Investors
Consulting Companies
Regulators
What do we cover?
www.paymentscardsandmobile.com
Debit Cards
– International Schemes – e. g. Maestro, Debit MasterCard, V PAY, VISA Debit, Electron
– Domestic Debit Schemes – e. g. bankaxept, BC/MC, Dankort, girocard, CB
Credit & Delayed Debit Cards
– MasterCard, VISA, AMEX, Diners Club, Discover, JCB, Chinese Union Pay
Prepaid Cards and e-Purses
Prepaid Products – issued by E-Money Institutions
Mobile Wallets, e-Wallets, Digital Wallets
Online Bank Transfers – e. g. iDEAL, Sofort, MyBank
Private Label Cards – Retailer Cards; Fleet Cards, Fuel Cards; card-based Loyalty Systems;
Cards and e-/m-Payments – Expertise
Selected Projects
Card product profitability – Analysis and enhancement
Chargeback management – ‘health checks’ and training
Co-branding partner selection, evaluation, programme implemented
‘Own Label’ private card payment programme development
Contactless EMV card/multi-function chip card, strategy implemented
Card product and card programme ‘health checks’
Credit scoring and credit bureau service development
Credit risk policy development and best-practice benchmarking
www.paymentscardsandmobile.com
AcquiringAcquiring business strategies –
POS, Internet, Mobile
Merchant processing services and options
ATM/POS Network processing services and options
New Acquirer Services beyond cards
Issuing Issuer business strategies –
POS, Internet, Mobile
Cardholder and Subscriber processing services and options
Electronic banking / mobile banking – strategy development
and implementation
e-Banking / m-banking money transfers on the internet and
mobile
Internet and Mobile Secure e-payment / m-payment
service development
e-/m-Payment processing services and options
Project SupportSupply of specialist staff,
business experts
Interim management resources, contractors
Cards and e-/m-Payments – Expertise
www.paymentscardsandmobile.com
Card Technology
Magnetic stripe
EMV (SDA, DDA, CDA)
Contactless & NFC + HCE
Virtual Cards and Digital Wallets
Secure Elements
ATM/POS Devices, e-/m-Points of
Interaction EFTPOS Devices, ATM
Devices, mini-POS Devices
Interfaces & Protocols – e. g. ISO 8583 and
dialects, EPAS, IFSF, ISO 20022
Integration of Online Shops, Mobile Apps
Payment Solutions and Systems
ATM/POS Network Processing Systems
Internet Payment & Mobile Payment Processing Systems
Acquirer Processing Systems
Issuer Processing Systems
Fraud Control & Fraud Prevention Systems
Cards and e-/m-Payments – Expertise
www.paymentscardsandmobile.com
Security EMV security consulting
PCI PTS / PCI DSS consulting
PCI ‘health checks’ & pre-audit support
Certification projects – ATM/POS devices, chip cards and
host systems
Rules & Regulations Brand rules / Scheme rules
SEPA instruments – SCF, SCT, SDD, SCC, CSM
EC directives – e. g. PSD, EMD, AML, CRD
EC regulation – Cross-Border Regulation, SEPA end-date
regulation
Front-End and Back-End Solutions Host software application
design
RFI/RFP process management – selections of applications
RFI/RFP process management – selection of processors
Cards and e-/m-Payments – Expertise
www.paymentscardsandmobile.com
Retail Banking & Payments – Expertise
Cards, Online Bank Transfers, Mobile Money Transfers
SEPA Credit Transfers (SCT) and SEPA Direct Debit (SDD)
Domestic Payment Systems, CSM Systems (formerly N/ACH)
Retail banking strategy – development and implementation
Card payment markets – sector analysis and strategy development
Payment card strategy development and business planning
Product and service portfolio – analysis, evaluation and enhancement
Developing turnkey product and marketing campaign solutions
Customer and product segmentation strategy and associated new service development
Lifestyle segmentation and service packaging
Service diversification and new sector entry
World-class product design, development, implementation and guiding management of credit, debit, charge, corporate and prepaid cards
Customer-based profitability analysis
www.paymentscardsandmobile.com
Strategy Consulting
Market Intelligence
– Data Collection, Analysis, Evaluation, Assessments
– Regular Intelligence Estimates
Competition Monitoring
Detailed Market Reports, Company Profiles
Planning and definition of objectives
Aligning customer needs, strategic direction and corporate culture
New market entry research and business development strategy
Business diversification strategy development and assessment
Merger and acquisition selection, evaluation and due diligence studies
Joint venture and strategic alliance opportunities, selection and evaluation
Key performance indicators and executive scorecard development
Pricing analyses and profitability studies
Service PortfolioStrategy Consulting
Business Consulting
Business Development Services
Market Intelligence Services
Large Scale Research Projects
Project Management
Programme Management
Business Role in M&A Projects
RfI/RfP Process Management
www.paymentscardsandmobile.com
Business Consulting
Business Models, Business Plan, Business Case
Business needs analysis
Operational ‘health-checks’ and business efficiency benchmarking
Vendor assessment and technology selection
RFI & RFP Bid Process Management - Development of coherent, comprehensive RFI and RFP documents
Performance Cockpits / Dashboards - Measurement and data visualization
Operational risk assessment
Effective risk management strategy and policy development
Operational management support
Business process re-engineering
Information and systems technology strategy development
Defining optimum processing options (outsourcing or ‘in-house’)
Ensuring optimum use of technology
Training Programme
Service PortfolioStrategy Consulting
Business Consulting
Business Development Services
Market Intelligence Services
Large Scale Research Projects
Project Management
Programme Management
Business Role in M&A Projects
RfI/RfP Process Management
www.paymentscardsandmobile.com
Project & Programme Management
Business Requirements
Business Service Processes
Functional Specifications
Technical Specifications
Service Specifications
Project Management
- Change Management
- Implementation Projects
- Development Projects
RFI/RFP Bid Process Management
- Make or Buy
- Outsourcing of processing services
- Purchase of devices systems, solutions, applications
Service PortfolioStrategy Consulting
Business Consulting
Business Development Services
Market Intelligence Services
Large Scale Research Projects
Project Management
Programme Management
Business Role in M&A Projects
RfI/RfP Process Management
www.paymentscardsandmobile.com
Due Diligence Support Services We have worked for private equity investors and for strategic investors
We act as Business Advisors in M&A selling teams of strategic investors
– Software house (CH) – RFI/RFP Bid Process Management for owners
We act as Business Advisors in M&A buying teams of strategic investors
– Card Processor (US) – Business advisor in both TDD and CDD phases, new value proposition for opportunity
Technical Due Diligence Services
- Card Processor (A), Payment Service Provider (B), Acquirer (D), 2x Acquirer (A), Bank Group (A/CEE)
Commercial Due Diligence Services – business role
- Card Processor (A), Payment Service Provider (B), Acquirer (D), Acquirer (A), Bank Group (A/CEE)
M&A Opportunity Detection and Evaluation – multi-country environment- International Bank – Business advisor in both TDD and CDD phase, set up of regional acquiring businesses
M&A Process Support – Expertise
www.paymentscardsandmobile.com
Alex RolfeManaging Director
Payments Cards and Mobile
+44 7765 892 664
Horst FoersterHead of Research
Payments Cards and Mobile
+49 175 205 8251
Wendy SandersHead of Business
DevelopmentPayments Cards and Mobile
+44 1263 711801
Contact
www.paymentscardsandmobile.com