Delivering banking services to more people in more places

Transcription

1 Delivering banking services to more people in more places

2 KAL ATM software Started business in 1989 Headquarters in Edinburgh, Scotland Customers across 80 countries Nearly 100 global partners Sold more than 275,000 KAL software licenses A core member of the global XFS standards body KAL software has been certified on 40 different ATM manufacturers today KAL ATM software Started business in 1989 Headquarters in Edinburgh, Scotland Customers across 80 countries Sold more than 275,000 KAL software licenses Nearly 100 global partners Slide 2

3 Example Philippines 103 million Filipinos - 31% bank account 99% cash transactions - 1% electronic Over 7,500 Islands - 2,000 are inhabited 1,634 cities and municipalities 595 with no banks (36%) 19,184 ATMs Zero to 15 Peso (30 cents) charge for domestic cash transactions depending on bank Slide 3

4 Retail Teller Machine For cash withdrawals, the customer receives a secure ticket which the shop owner exchanges for cash from the till Connects to the ATM network, showing same transactions and messages as the ATMs All non cash transactions work just like an ATM 1/10 th operating cost of an ATM EMV & PCI compliant Slide 4

5 EasyDebit EasyDebit uses an microatm Pin Entry Device and an android mobile phone to let BancNet ATM card holders withdraw cash Merchant needs to download the EasyDebit mobile app and pay rental for printer and mpos PIN is never stored to the mobile phone and the mpos is PCI DSS and EMV Level 1 & 2 compliant Typical card holder convenience fees 30 t0 75 Peso (60 to 150 cents) Some rural banks also use EasyDebit Slide 5

6 Malaysia RTM used to collect the Zakat contribution (Islamic charity contribution) via card. Previously collected all in cash. Selangor state collected 500 million Ringgit last year ($174 million USD) Hong Leong Islamic Bank deploying the RTM in local council offices used by customers of the city council to do the following transactions: - Balance Enquiry - General Assessment Tax payment - Bill payment Hong Leong Islamic Bank Slide 6

7 China A rural bank in China has deployed RTMs in retail outlets. The RTM provides a full set of financial transactions, including cash withdrawals, transfer, balance inquiry, mobile top-up and bill payments. Cardholders able to withdraw small amounts of cash if they wished, unlike at the ATM which has a minimum withdrawal of 100 CNY (approximately $15 USD Tianjin Rural Commercial Bank Slide 7

8 China Positioned at the shop checkout. The customer inserts card, enters the PIN and selects cash withdrawal transaction. Shopkeeper puts cash on the machine in front of the customer to show the amount is correct and the notes are not fake. In the end, a receipt is printed with the serial numbers of all notes as a record for the customer Not EMV Not PCI compliant SmartPos Slide 8

9 UK PayPoint Rapid introduced in 2012 Retailer receives commission on transactions made at a PayPoint device Another benefit PayPoint increases the number of people who walk into a shop Mobile top-ups, Western Union, prepaid cards and vouchers, Health Lottery. People are able to top up their gas and electricity meters at PayPoint across the UK using a pre-payment key that they load at the merchants yellow box PayPoint rapid box Slide 9

10 Comparisons User experience Connecting with your customers Points of presence branding ATM/RTM strong branding & content Functionality ATM/RTM self service Others fully assisted is required ATM RTM Security ATM/RTM fully EMV/PCI complaint Total cost of ownership Self service higher TCO than POS devices SmartPos PayPoint Rapid EasyDebit Additional revenue for merchant RTM promotions via screen & printer Slide 10

11 And when only an ATM will do the job No ATMs were harmed during the making of this video A solution from South Africa Slide 11

12 Thank you Mike Foster KAL ATM Software Phone: Catch up with our latest news at RTM videos at