sap - bankalarda mÜŞterİ odakli dİnamİk fİyatlama - sap forum 2013

Billing Revenue and Innovation Managementfor Banking Industry

Eric Lavenir

VP Global Business Development / BRIM

SAP Proprietary and Confidential 2

CONTENTS

Dynamics Solution Customers Demo TakeawaysContents

Industry and Market Dynamics

BRIM – Solution Overview

Significant BRIM Customers

Online Demo

Industry and Market Dynamics



Why BRIM ? Industry & Market Dynamics

Cloud

Big Data

Mobile

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0100101000101

IT mega-trends at work…

Social Media

Consumerization of IT

Customer Centricity in a Multi-Channel Environment

Risk & Regulatory Compliance

Cost & Complexity Take Out

Banking specific trends…



Banks need to reduce Complexity and improve Efficiency and Margins

More individualized charging for products & services

New Services Reduced revenue leakage Consideration of new delivery

channels and sourcing models Continued focus on cost / income

ratios Performance & Scale Monetizing partner relationships

How to improve margins & reduce complexity?

« Propose the Best Services at the Best Price

at the Best Time »


BRIM at a Glance



Consume to Cash Process Overview

Consumption is AnalyzedOffers are Updated

Analyze

Optimize

Offer

Order

Companies Offer ServicesCustomers Order Services

Gather

CleanCustomers’ Consumption Generates

Transactions

Services Consumption is Priced and Customers Charged

Price

Charge

Bill

Settle

Invoices / Account Abstracts are Created Commissions are Calculated

PayPayments are HandledDisputes are Managed




Price

Charge

Analyze

Optimize

Offer

Order

Gather

Clean

Bill

Settle

Pay

SAP CRM

SAP Convergent Mediation

SAP Convergent

Charging

SAP Convergent

Invoicing

SAP Business Analytics

SAP Customer Financial Mgt




Price

Charge

Analyze

Optimize

Offer

Order

Gather

Clean

Bill

Settle

Pay

SAP CRM


SAP Convergent

Charging

SAP Convergent

Invoicing

SAP Business Analytics


BRIM


SAP Convergent

Invoicing

SAP Convergent

Charging




SAP BRIM - Service to Cash end to end Process

Convergent Mediation

Convergent Charging

Convergent Invoicing

Customer Financial Management

Collect & Clean transactions

Price Services & Charge Customers

Bill & Invoice

Payment Slip

Abstract Account

Collect Money & Manage Customers


Modular, yet Integrated


SAP BRIM - Service to Cash end to end Process


Convergent Charging


Customer Financial Management

Collect & Clean transactions

Price Services & Charge Customers

Bill & Invoice

Payment Slip

Abstract Account

Collect Money & Manage Customers


Rapid Deployment Solution (RDS) available for Banking Services


SAP Convergent Charging – Intuitive GUI for Business Users


Convergent Charging


Customer Financial Mgt



SAP Convergent Charging – Intuitive GUI for Business Users

Convergent Mediation Convergent Charging Convergent Invoicing Customer Financial Mgt


BRIM Customers



SAP BRIM - Global Customers

Telecom• Cellular• M2M• MNOHigh Tech• Service and • Software providers• OEMs

Media• Entertainment• Information• Publishing

Technology• SaaS• Web 2.0• Cloud

Transports• Logistics• Toll Collection• Pay As You Drive

Finance• Trading• Settlement• Payment

Utilities• Smart Grid• Advanced Metering


http://www.nmrx.com/

http://www.sensorlogic.com/









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http://www.aprr.com/en/index.html







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http://www.commbank.com.au/




BRIM in Financial Industry: Commonwealth Bank Of Australia


Why SAP BRIM - Benefits

• Settlement of fees and commissions with multiple vendors using BRIM.

• Handling of complicated points calculation for CBA credit card transactions.

• Allow flexible and location-based promotions for CBA credit card transactions.

Customer Business Issues solved

• Merchant fees calculation for Card Transactions and commissions calculation for Cash Out.

• Expand BRIM into Managing Credit Card transactions.

• Expand BRIM into Corporate and High Net Worth Banking; E.g. Relationship Based Pricing.

Solution

• Full BRIM purchase.

The Commonwealth Bankis Australia’s leading provider of

integrated financial services including retail banking, premium banking,

business banking, institutional banking, funds management, superannuation, insurance,

investment and sharebroking products and services. The Group is one of the largest listed companies

on the Australian Securities Exchange and is included in the

Morgan Stanley Capital Global Index.

Financial Services

CM CC CI CFM



BRIM in Financial Industry : Banco Compartamos



• Flexible commission and incentive calculation engine integrated to their Oracle infrastructure for the bank sales people (13,000 employees) involved in the sale of the bank products that include loans, savings accounts, insurance and other services.

Why SAP consume to Cash - Benefits

• Stand alone commission calculate engine

• Flexibility for configuring the commission schemas

• Easy to integrated with non-SAP environment

• Ability for to use the engine for the relationship pricing scenario to provide personalized rates based on customer types

Solution

• SAP Charging & Billing for Banking

Banco Compartamos

Banco Compartamos has more than 22 years of

experience operating in the Mexican market and they are

the largest micro-financing bank in Latin America,

serving more than two million customers with working

capital and insurance loans.

CM CC CI CFM


BRIM in Financial Industry : Davivienda



• Inability to design innovative pricing schemes – resulting in a competitive disadvantage

• Reduce the time it takes to configure new pricing schemes and modify existing ones

• Increase customer number of products / services with the bank (from 2.4 to 4.5 products)

• Reduce the complexity of creating and launching bundles, promotions, discounts and relationship based pricing that exists within the current IT infrastructure

Why SAP Billing and Revenue Innovation Management – Benefits

• Able to configure customer complex relationship-based pricing scenarios• Ease of integration with customer’s core banking system – no IT disruption• First relationship-based pricing deal world-wide• First step into account – Oracle base installed

Solution• SAP Charging & Billing for BankingFinancial Services

Colombia's third largest bank, Davivienda offers a broad range of

banking products and services to both personal and business clients. The

company offers savings and checking accounts, certificates of deposit, and

bonds. Its loan portfolio comprises home mortgage and leasing loans, commercial

loans, consumer loans, auto loans, credit cards, and other personal credits. Davivienda is owned by the local Bolivar

group. 2011 Fiscal

Total Assets: USD 2.700 millionFee & Commissions: USD 100 million

CM CC CI CFM


BRIM in Financial Industry : Banco Popular



• Need for a solution to support the roll out (full automation) of a new line of business called “Factoring” – a customers accounts payable operations

Why SAP Billing and Revenue Innovation Management - Benefits

• Allows BPD to act as the customer’s payments agent in front of suppliers and contractors, providing them with an effective and low-cost way to make their payments. Suppliers will additionally be able to manage invoices that are covered by the customer’s payment orders at any BPD branch.

• Ability of BRIM / S2C to support the complete business process.

• Capacity to handle supplier real time quotation and credit generation, invoicing and account receivable and payable

Solution

• Full Billing and Revenue Innovation Management Platform (SAP Service-to-Cash)Finance

Banco Popular Dominicano BPD is the largest private bank in the Dominican Republic, with a significant market share of 23% in terms of total

assets at end 2010.

BPD is the main subsidiary of Grupo Popular, S.A. (GPSA), a holding

company for mostly financial subsidiaries in the Dominican

Republic, Panama, and the U.S. with consolidated assets of more than

USD5.9bn at end 2010.

CM CC CI CFM


BRIM in Financial Industry : Europ Assistance



• Improve time to market

• Maintain a competitive advantage in the personal assistance services

• Eliminate errors introduced by manual processes executed across multiple disparate systems

Why SAP BRIM - Benefits

• Ability to easily and rapidly configure complex pricing schemas. Key IT staff with experience in telecom recognized the key differentiators of SAP CC functionality

• Provide E2E automation for the charging of emergency services provided to EA insurance company (insurers) customers (insured)

• Ability to easily support multi-party provisioning that involves insurers and insured and handle the high volumes of insured transactions

Solution

• SAP BRIM plus SAP CRM and SAP SRM

• SAP CI billing documents to be transferred to SD for invoicing via customization required to leverage Nota Fiscals localization in SDFinancial Services

2012 Fiscal Revenue Worldwide: 1.4 B EUR

Revenue Brazil: 363 M BRL

The Europ Assistance Group, headquartered in France, is a leading insurance provider of home and family

health, travel and automotive care services.

The Brazilian company is one of 37 worldwide subsidiaries and pioneered emergency assistance in Brazil and is

now the market leader, celebrating fifteen years of activity as of 2011.

CM CC CI CFM


BRIM in Financial Industry : Fina



• Flexible tariff pricing, billing and 3rd party commissioning for Fina services

• Integration with SAP for contract creation & financial reporting

Why SAP Billing and Revenue Innovation Management - Benefits

• Flexibility of the charging system allowing for innovative pricing strategy for clearing fees

• Rapid integration time

Finance

Solution

• SAP Convergent Charging (Highdeal Charging & Billing Platform)

Financial Agency (FINA) is the leading Croatian company in the field of

financial mediation and the application of information technologies which

meet the user requirements. Coverage on a national scale,

information system well-proved by the most challenging projects of national

importance and high professional level of expert teams are FINA’s

greatest advantages, because of which it is able to prepare and carry out different projects: from simple financial transactions to the most

sophisticated projects in the electronic business

CM CC CI CFM


BRIM Annual EMEA Summit: Paris, October 22nd & 23rd


Learn more about the new functionalities of BRIM,

Learn about some significant implementations of BRIM in different industries,

Listen from your peers’ experience,

Share some fun during our french wines tasting contest !

To register, please contact [email protected] or [email protected]

BRIM iPad Demo



BRIM - iPad DemosDynamics Solution Customers Demo TakeawaysContents

Point of Sales

Bank

Bank

Bank


BRIM - iPad DemosDynamics Solution Customers Demo TakeawaysContents

Bank

BRIM – Key Takeaways



SAP BRIM in Financial Services - Commercial, Retail and Capital Markets

An integrated end-to-end solution yet available in modular implementable steps

Rapid time to market – give your business teams the ability to change pricing models in hours – without coding

Robust customer financials – bill, share, settle, collect and recognize revenue efficiently

Rich analytics – reliable and detailed data available


sap - bankalarda mÜŞterİ odakli dİnamİk fİyatlama - sap forum 2013

Technology

sap proprietary

sap brim service

clean customers consumption

brim purchase

financial industry

banking services

best services

individualized charging