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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