Improving the retail Banking Infrastructure in Cambodia
Omair Bin Asim KhanTPS
Cambodia – Phnom Penh - 25th June 2015
Agenda
TPS Introductions
TPS Products
TPS Partners
Some showcase Clients
Value added services
Compliance
“A global company that enable institutions to offer
electronic banking services via its diverse set of
software products”
Introduction
Our History
TPS was formed in Pakistan
Clients who trust us and our technology
Countries where TPS solutions are deployed
Countries where TPS is represented through its partner network
1996
130 30 70
Our History
Offices
Headquarter in Karachi
Regional office in Dubai
Employees who are domain experts in different areas
Market Share in Pakistan for all e-banking services
Inter Bank Switch in the world using TPS technology
2 250 75% 4
Prepaid Card
Ecommerce Gateway
Mobile Banking
POS Acquirin
g
Inter Bank
Switching
Internet Banking
Remittance
Processing
Bill Paymen
t
ATM Driving
Our area of expertise
Central Banks
3P Processor
Micro-finance banks
Financial Institution
Telecom
Public Sector
Our diverse set of customers130 customers in 30 countries
Product Portfolio
TPS Partners
Resellers
Campura Triangulum Corporation (Cambodia) SYRSE International (Europe/West & North Africa) Aamra Technologies (Bangladesh) Hermes (Jordan, Iraq and West Bank) Alada (Libya) NATCO (Yemen) Soft Management (Lebanon) IPMC (Central Western Africa) Bahwan Cybertech (Oman)
IPMC
Case Studies / Show case Clients
History of 1LINKInter bank Switch – Pakistan
20072005 20132000 2014
• 3 member banks
• Local ATM Acquiring
• 17 member banks
• VISA Gateway
• 22 member banks
• Instant Inter Bank Transfer
• Real time Bill Payment
- Union Pay Gateway
- MasterCard Gateway
• JCB Gateway
• POS Acquiring
Launched First Gateway Provider
Innovative transactions
More Card Schemes
Local Acquiring on
POS
1LINK – Inter Bank Switch Case StudyUsing TPS Inter Bank Switch since 1999
Member Banks35
600K Transaction a day
worth of transaction a month
Card schemes, VISA, MasterCard, Union Pay, JCB
$1B
4
Banks
Financial
Inter-bank txns
Interoperability
HBL – Case StudyLargest bank in Pakistan using IRIS switch
PerformanceProcesses nearly 1 million transaction a day
1800+ ATMs Managed and Monitored by IRIS Switch
Consistent growthAdds 500 ATM and 2 million cards a year without performance degradation
FlexibleIRIS switch is interfaced with more than 30 different system/applications
InnovationBiometric / Cardless Transaction
8+ Million cardsVISA, MasterCard, Union Pay Debit Magstripe and EMV cards managed
Transaction processing platform is IRIS
Our UBPS powers bill payments handling more
than 350,000 transactions every day!
Most acclaimed Mobile Banking Product
UAE POS Switch• Interconnects local POS Acquirers directly with
issuers
• Domestic POS routing and clearing of transactions
• GCC POS connectivity
• Support for CNP transaction for e-Com
• Flexibility for Future Innovative Transaction
National Payment Gateway• Interconnects local e-com Merchants/Service
Providers to Issuers
• Enables Secure Online Payment thru multiple payment instruments
• Provide Merchant Management and Settlement
Central Bank of the UAE
UAE POS Switch
National Payment Gateway
Central Bank of the UAE - TPS
Prepaid Card Management in a Region’s leading card processor
Offering Salary Cards, Gift Cards, Remittance Cards to customers across MEA
Prepaid Cards at Network International
Powering Ufone uPayments, a USSD based mobile banking service
4 Banks onboard (HBL, Summit, Soneri, Bank Al-Habib)
Processed PKR 1.9 Billion worth of Transactions in January 2014. The amount went up
to PKR 3.6 Billion in Dec 2014.
Mobile Banking HUB
With TPS you can launch value added services
Offer services on ATM channel
Cash Withdrawal Balance Inquiry PIN Change Statements Cheque book request
Offer Standard Services on ATM
Funds Transfer (P2P) Bill Payment Mobile Top up Stand in Authorization Dynamic Account Linkage
Advanced services on ATM
Personalized ATM experience
Favorite Transactio
ns
Greet Customers based on time of day
Language Preferenc
es
Wish Custome
rs on Special
Occasions
Marketing Cards/ Loans to Special
customers
Capture Customer Informati
on on ATM
Lucky Transaction
s
Merchant Management Card Acquiring services Multi Vendor POS support Extended Services on POS
Offer Point of Sale (POS)
Compliance
Security features
Need based accessDefine users based on roles and
function
PA DSS compliantSecurity Development Lifecycle
Rule EngineBlock transactions based on any rule that bank wants to define
Two factor authenticationMaker and checker
PA DSS Certified Switch
Interfacing Options
• ISO-8583 (1987 and 1993 specs)
• Web Services, other Online XML formats
• IBM MQ Series, Tuxedo
• Oracle SPs/SQL Queries/Shared Database
• Fixed and Variable Length Messages
• File Based (CSV, XML, Fixed Length)
Authorization Systems
Core Banking Applications
Card Management
Systems
Regional & International
Networks
• Temenos T24
• ORACLE Flexcube (iFlex)
• Infosys Finacle
• SunGuard SYMBOLS
• MISYS
• Path Solutions – iMal
• Delta
• Unibank
• ASD Autobanker
• PIBAS
• Bank Smart
• Tsys CTL
• Sungard CardPro
• FDI Vision+
• EDS Vision+
• AFS Vision+
• NI Base24
• VISA
• MasterCard
• China UnionPay
• UAE Switch (UAE)
• NAPS (Qatar)
• KNET (Kuwait)
• BENEFIT (Bahrain)
• Al Watani (Oman)
• 1Link (Pakistan)
• Omnibus (Bangladesh)
• National Switch of Sudan (Sudan)
• IPN (Lebanon)
Certified with
• NCR
• Diebold
• Wincor
• GRG
• PERTO
• King Teller
• MDS
• AEROCAR
• Thales
• Safenet
ATMs HSM
• NCR
• Wincor
• GRG
CDMs
• Verifone
• Ingenico
• Hypercom
POS
• DataCard
• Matica
• CIM
• Fargo
Embossers
Supported Hardware
TPS Major Clientele
Thank You