advantages of full atm networks outsourcing otakar bobko chief representative global payments...
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Advantages of full ATM networks outsourcing
Otakar BOBKOChief Representative
Global Payments Ukraine
Company Overview
Global Payments Inc.
2
Pioneer in payment processing. Combining Technology & Expertise (Formerly NDC)
Publicly traded on the NYSE (GPN)
Leading payments company in the United States, Canada, Central and Eastern Europe and Asia-Pacific region– Merchant acquiring– Card issuing– ATM and POS processing
Leading money transfer provider in the United States, Spain, UK and Belgium– Consumer to Consumer– Business to Business
HQ Atlanta, regional centers inToronto, Mexico City, Prague, Madrid, and Hong-Kong
Servicing clients in 40 countries worldwide
Company Overview
Business Highlights
Providing payment processing services since 1967
Over 3 billion transactions processed annually
Over $100 billion in annual transaction volume
Over 1.5 million merchant locations worldwide
Over $3.0 billion in market capitalization
Central & Eastern European Operations
Acquired in February 2004
Renamed to Global Payments Europe in August 2005
Largest indirect payments processor in the Czech Republic– 50% share of market
EMV chip card compliant technology
Market reputation for high-quality services, technological leader in the CEE region
Definition of outsourcing
Outsourcing represents:
A complex arrangement of specific services from an external provider
A modern and successfully developing strategy to manage company‘s important but not the core activities
A shift from providing a partial service to the complete takeover of responsibility for a given functional scope
WHY Outsourcing ?
Cost reduction (economy of scale, cheaper labour resources)
Higher level of supplier‘s flexibility
Opportunity to focus on key business issues
Lack of internal resources (time, money, employees)
Efficient achievement of goals
Increased flexibility to react to the changing market conditions
Effective operational expenses control, predictable costs
Lower initial and running investment into the internal infrastructure
Securing a higher service accessibility
Access to innovations
Guaranteed continual development
Trends in outsourcing I
Cost reduction• Motivation is important but not primary
Reasons to outsource:• Concentrating on the core business • Improving service quality• Accessing expert knowledge, experience and skills
Important criteria for the selection of a supplier:• Proven experience (track record)• Guaranteed level of services
Growing trends - „multiple outsourcing contracts“• Benefits of a cooperation with several outsourcing partners
have not yet been proved in practice
Offshore outsourcing • Not only goods but services are provided across the borders
Trends in outsourcing II
Highly competitive outsourcing market• 85% of projects assigned through tenders
Usually mid-term contracts• Standard period of a contract – 3 years
Internal opposition to outsourcing • Data security and personal data protection are the main arguments when
trying to reverse a decision
Outsourcing companies must manage two conflicting requests:• Requirement to standardise and to reach maximum efficiency • Demand for unique service for each customer (customization,
value added services etc.)
ATM Purchase or lease
Setup of telecommunication connection
Installation of ATM
ATM maintenance management
ATM network operation management
ATM network statistics
Financial services
Remote Client‘s access to all information
ATM OUTSOURCING - Service Description
FINANCIAL SERVICES,
RENT CONTRACT MANAGEMENT,
LOCATION MANAGEMENT,
CAPTURED CARDS MANAGEMENT
CASH MANAGEMENT,MARKETING
ATM and SW
PRODUCTS,
SERVICES and MAINTENANCE
AUTHORIZATION SERVICES,
SW CUSTOM
IZATION,
PAYMENT PROCESS SERVICES
CASH REPLENIS
HMENT,
CLEANIN
G SERVIC
ES
CONSTRUCTION COMPANY
IN
STA
LLA
TIO
N,
LA
BELLIN
G
VENDOR 1…..VENDOR n
PROCESSORSECURITY GROUP
BANK
ATM OUTSOURCING - Management of ATM network
Solution proposalfor ATM network outsourcing
Card AssociationsMerchantsGSM operators E-shopsOther subjects
ABAK
• System integration• Sophisticated services• Quality, reliability, security• Cross business activities
• Concentration on core banking business• Lower cost incl. investments • Reduced number of suppliers• Simple and efficient communication
BANK
VENDOR 1 …n
SECURITY GROUP
CONSTRUCTION COMPANY
Principal cooperation model
Project activities = planning + implementation
Straightforward process model =>
- ATM position management
- Rent contract
- Optimal ATM type selection
- Construction works- SW customization- Implementation of value added services
Providing continual operational services- Cash management- HW and SW maintenance- Cash replenishment and cleaning services
Request
GPE coordinates all services related to ATM network operation for BANK
BANK
Purchase / leasing of ATM
Selection of optimal ATM type – ATM Outdoor– ATM Lobby– Deposit ATM
Purchase of ATM
Financing forms– Direct purchase– Leasing– Financing through service
Delivery of ATM within 6 – 8 weeks
Ecological liquidation of ATM
Setup of telecommunication connection
Design of telecommunication solution for specific location
Data line logistics– Installation of IP connection– Installation of GPRS connection– Installation of V-SAT connection
Preparation and installation of VPN concentrator
Dealing with telecommunication provider
Installation of ATM
HW technical setup
Basic SW for ATM
Client‘s tailor made SW (customization of services, modifications …)
Consultation – right place for ATM installation
Engineering (dealing with authorities, preparation of installation place)
Preparation and conclusion of rent contract
Transport, installation and initiation of ATM
ATM labeling, navigation for clients
ATM network operation management
Implementation and configuration of a new ATM into authorization system
Delivery of expandable supplies
Delivery of spare parts
HW maintenance and prophylactic service
SW maintenance – Association requirements– Upgrade of ATM application software
Security key management– Generation and implementation of unique keys – Standby service – Regular maintenance and key replacement
Client service 24x7x365
Monitoring – immediate information about faults detected by ATM
Fraud detection system – recognition of suspicious behavior
Reporting – preparing reports and statistics (out of operation, type of fault, length of repair…)
Cash management – predictions and cash replenishment
Electronic journals management
Project works
Marketing campaigns management
ATM network operation management
End to End product approach
1. Business case modeling
2. Feasibility study
3.3. Project managementProject management4.4. Change managementChange management
5. Processing
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Financial aspects
Lower investment needs
Innovative price models and competitive charges1. Competitive monthly charges (including free
transactions) + cost per transaction2. Simple cost evaluation
Saving a double digit % of your expenses related to ATM business
Are you ready?
Together, we can identify areas where additional savings can be made
Simple price plan for provided solutions and services
Improvement of service quality and capability
You feel confident: You're talking to someone who understands not only your needs but also knows how to deal with them quickly and effectively!
We can help you increase your profitability in consumer finance market.