SAP Bank Communication management Optimiser et automatiser vos échanges bancaires
Bank Communication Manager et Swift : Un choix serein pour votre gestion de Trésorerie
Thierry Miskaoui SwiftAnne-Marie Brousse SAP France
Treasury applications from SAP –Technology & applications supporting successful treasury operations
SAP ProcessIntegration
SAP ProcessIntegration
SAP BusinessIntelligence
SAP BusinessIntelligenceSAP PortalSAP Portal
SAP In-House CashSAP In-House Cash
Subsidiaries
SAP Bank Communication ManagementSAP Bank Communication Management
SAP Treasury and Risk ManagementSAP Treasury and Risk Management
Credit Risk Analyzer
Credit Risk Analyzer
Market Risk Analyzer
Market Risk Analyzer
Portfolio AnalyzerPortfolio Analyzer
Transaction Manager
MMMM FXFX Der.Der. DebtsDebts Sec.Sec.
Hedge MgtHedge Mgt Commodity MgtCommodity Mgt
Comm.Comm.
Exposure MgtExposure Mgt
SAP Cash & Liquidity ManagementSAP Cash & Liquidity ManagementCash ManagementCash Management Liquidity PlannerLiquidity Planner
SAP Financial AccountingSAP Financial Accounting
BanksBanks
SAP Integration Package for SwiftSAP Integration Package for Swift
Partner SolutionsPartner
Solutions
Corporate Treasury
SAP In-House CashSAP In-House Cash
Subsidiaries
SAP Bank Communication ManagementSAP Bank Communication Management
SAP Treasury and Risk ManagementSAP Treasury and Risk Management
Credit Risk Analyzer
Credit Risk Analyzer
Market Risk Analyzer
Market Risk Analyzer
Portfolio AnalyzerPortfolio Analyzer
Transaction Manager
MMMM FXFX Der.Der. DebtsDebts Sec.Sec.
Hedge MgtHedge Mgt Commodity MgtCommodity Mgt
Comm.Comm.
Exposure MgtExposure Mgt
SAP Cash & Liquidity ManagementSAP Cash & Liquidity ManagementCash ManagementCash Management Liquidity PlannerLiquidity Planner
Financial AccountingFinancial Accounting
Corporate Treasury
SAP ProcessIntegration
SAP ProcessIntegration
SAP BusinessIntelligence
SAP BusinessIntelligenceSAP PortalSAP Portal
SAP In-House CashSAP In-House Cash
Subsidiaries
SAP Bank Communication ManagementSAP Bank Communication Management
SAP Treasury and Risk ManagementSAP Treasury and Risk Management
Credit Risk Analyzer
Credit Risk Analyzer
Market Risk Analyzer
Market Risk Analyzer
Portfolio AnalyzerPortfolio Analyzer
Transaction Manager
MMMM FXFX Der.Der. DebtsDebts Sec.Sec.
Hedge MgtHedge Mgt Commodity MgtCommodity Mgt
Comm.Comm.
Exposure MgtExposure Mgt
SAP Cash & Liquidity ManagementSAP Cash & Liquidity ManagementCash ManagementCash Management Liquidity PlannerLiquidity Planner
SAP Financial AccountingSAP Financial Accounting
BanksBanks
SAP Integration Package for SwiftSAP Integration Package for Swift
Partner SolutionsPartner
Solutions
Corporate Treasury
SAP In-House CashSAP In-House Cash
Subsidiaries
SAP Bank Communication ManagementSAP Bank Communication Management
SAP Treasury and Risk ManagementSAP Treasury and Risk Management
Credit Risk Analyzer
Credit Risk Analyzer
Market Risk Analyzer
Market Risk Analyzer
Portfolio AnalyzerPortfolio Analyzer
Transaction Manager
MMMM FXFX Der.Der. DebtsDebts Sec.Sec.
Hedge MgtHedge Mgt Commodity MgtCommodity Mgt
Comm.Comm.
Exposure MgtExposure Mgt
SAP Cash & Liquidity ManagementSAP Cash & Liquidity ManagementCash ManagementCash Management Liquidity PlannerLiquidity Planner
Financial AccountingFinancial Accounting
Corporate Treasury
© SAP 2008 / Page 3
Bank Communication Management Value proposition
Improved communication between corporations and banksSAP Bank Communication Management helps increase efficiency, lower costs, and streamline processesSingle communication channel via SWIFTNetStandardized and uniform Payment Gateway
More cash flow transparency and visibility of working capitalEnhanced straight-through-processing (STP) ratesCompanies get accurate and real-time view of their payment transactions
Enhanced security and complianceTransparent management of outgoing payments with no breaches on internal controls
Reduced maintenance costs by using global payment standardsIndependency from proprietary payment standards and bank-specific e-banking productsReadiness for SEPA and UNIFI/ISO20022 standard
SAP Bank Communication Management
Business Strategy & Initiatives
Bank Communication Before Bank Communication After
SimplificationReduce the number of proprietary payment standards and bank-specific e-banking products and setting up a single communication channel to SWIFTNet
Cost ReductionReduce maintenance cost by communicating with all the banking partners through this one channel
ComplianceEnhance straight-through-processing (STP) rates and ensure traceability of the whole business process
Bank communication process flow
ExecutePaymentProgram
CreatePayment
Order
ImportBank
Statement
Post/Processingand
Clearing
SAP Integration Package for
SWIFT SWIFTAllianceAccess / Gateway
SAP NetWeaver Process Integration
SAP Bank Communication
ManagementSAP ERP
Create Batch
Payment Approval Work List
Security- Approval workflow
- Authorization- Digital signature
Receive Status Messages
Bank Statement
Routing
Mapping
SecurityEncryption
Digital Signature
ResourceAdapter
SWIFTNet
Benefits: Batching, exception handling, and compliance
Batching of paymentsLogical structuring of payment files
Flexible batching rules that can be enhanced
Automatic creation of unique identifiers
Exception handlingVisibility of errors in payment status monitor
Automatic generation of alert workflow items
Increased complianceMulti-eye release procedures for payment approvals
Personal digital signatures for outgoing payments for internal audit
Release of individual payments or entire batches
Flexible approval rules (low-value payments = only one approver, for example)
Approval, rejection, or resubmission of payments
Flexible sorting and structuring of approval work list
© SAP 2007 / Page 6
Benefits: Integration and increased transparency
Integration to SWIFT and banksReal-time integration with SWIFT via SAP Integration Package for SWIFT
Optional integration with banks with the adapters in SAP NetWeaver Process Integration on a project basis
Increased payment-flow transparencyPayment status monitor with full status history
Flexible status concept
Processing of new ISO20022 payment status report and other status messages (ACK/NACK)
Drill-down to documents and master data
Display of generated payment formats
© SAP 2007 / Page 7
SAP-SWIFT relationship and benefits
SAP-SWIFT strategic relationship
Leo Apotheker, co-CEO of SAP and former SWIFT employee, initiated the SWIFT-SAP relationship, and signed the global strategic partnership agreement with SWIFT in October 2006.
SAP decided to develop a standard SAP ERP Financials payment management product to enable corporations to connect to the SWIFT network utilizing the SAP NetWeaver platform.
How does this partnership create benefits?
The product provides SAP ERP customers with SWIFT compatibility for the most popular financial payment message types.
Since SWIFT functionality is natively integrated with the SAP application running in a NetWeaver environment, customers do not need to buy a third party middleware and business application to access SWIFTNet, resulting in reduced TCO and simplified deployment.
SAP Bank Communication Management offers extensive workflow automation, authorization management, exception handling and other capabilities in a fully automated platform for financial messaging with SWIFT and banks.
A standard SAP solution
The SAP solution is a component of the SAP ERP Financials application – solutions covered by SAP’sstandard maintenance and support.
The product was developed with significant input from joint customers worldwide, and was piloted successfully.
© SAP 2008 / Page 9
1. Swift, la coopérative au service de l’industrie financière2. Un réseau bancaire ouvert au monde des entreprises3. Zoom sur une actualité chargée : SEPA et la fin annoncée d 'Etebac.
Agenda
© SAP 2008 / Page 10
1. Swift, la coopérative au service de l’industrie financière2. Un réseau bancaire ouvert au monde des entreprises3. Zoom sur une actualité chargée : SEPA et la fin annoncée d 'Etebac.
Agenda
11
SWIFT
Sociétécoopérative,détenue par
l’industriefinancière
Interconnecter la communauté financière
Entreprises Compagnies d’assurancesBanques
Gestionnaires de fonds
Courtiers
Bourses
DépositairesFiduciaires
Systèmes de Compensation
Systèmes de Paiements
Systèmes de Règlement
Institutions gouvernementales
13
SWIFT
Sociétécoopérative,détenue par
l’industriefinancière
Services de messageriefinancière
hautement sécurisée
Presentation title - Event - Date Month Year
14
Standards and SWIFTNet messaging
Standards and formats
SWIFTNet messagingFIN FileAct
SWIFT MTsISO 20022
Domestic formats
• MT 101 for high value treasury payment
• MT 940 with end-of-day account statement
• MT 300 FX confirmation
Example • ACH files• Supplier payments
• Direct debits • Salary payments
Typical application Treasury and Risk
Management
Cash Management
15
SWIFT
Sociétécoopérative,détenue par
l’industriefinancière
Services de messageriefinancière
hautement sécurisée
Organisme denormalisation de
l’industrie financière
16
Messagerie à valeur ajoutée
• Sécurité
• Confidentialité
• Intégrité
• Disponibilité
• Universalité
• Garantie
© SAP 2008 / Page 17
1. Swift, la coopérative au service de l’industrie financière2. Un réseau bancaire ouvert au monde des entreprises3. Zoom sur une actualité chargée : SEPA et la fin annoncée d 'Etebac.
Agenda
18
Corporate
SWIFTNet
Accountspayable
Accountsreceivable
Treasury
Other
Single gateway
“SWIFT pour les entreprises”
Corporate
e-banking Y
host to host X
e-banking Z
VAN
Internet
Leased line
Accountspayable
Accountsreceivable
Treasury
Other
Multi canaux …Réseau unique et
standard
Avantages majeurs:– Baisse des couts,
– Meilleur STP et visibilité sur les fonds
– control/sécurité/gestion des risques opérationnels
– Compliance
Domestiqueou International
19
Comment se connecter à SWIFTNet?
Alliance LiteSimple, basée sur Internet,
sécurisée Apps
SWIFTNetUsers
Internet
InfrastructurePrivée
Infrastructure SWIFTNetappartient et est maintenue par
l’utilisateurApps
SWIFTNet
Users
VPN Provider Tel
Infrastructurepartagée
Infrastructure SWIFTNetappartient et est maintenue par
une société tiers
Apps
SWIFTNetUsers Shared infra
Provider /Service Bureau
VPNVPN
20
SWIFT Access Kit
Pour les nouveaux clients
Echange < 1,000 msgs par jour (FIN & FileAct)
Un commande, un envoie, une facture
One-time 50.000 EUR, couts annuels 19.400 EUR/an
InfrastructurePrivée
Infrastructure SWIFTNetappartient et est maintenue par
l’utilisateurApps
SWIFTNet
Users
VPN
VPNVPN
Live en 4-6 mois
Comment se connecter à SWIFTNet? Infrastructure Privée
21
Infrastructurepartagée
Infrastructure SWIFTNetappartient et est maintenue par
une société tiers
Apps
SWIFTNetUsers Shared infra
provider
VPNVPN
Connexion via un service bureau ou Member concentrator• Service bureaux : prestataire informatique
• Member concentrateur : BanqueSWIFT Essentials Kit
• Investissement 1.525 EUR, frais annuels 2.725 EUR/an
Live en 2-4 mois
Comment se connecter à SWIFTNet? Infrastructure partagée
22
VPNAlliance LiteSimple, basée sur Internet,
sécurisée Apps
SWIFTNetUsers
Internet
Pricing models:Forfait 10.200 EUR/an (4000 msg./mois en & received)
Pay as you go: 2.400 EUR/an1 EUR/message
1 message = 1 FIN MT or 1 FileAct chunk of 100 Kb
Live 4-6 semaines
Comment se connecter à SWIFTNet? Alliance Lite
Presentation title - Event - Date Month Year
23
ERPSWIFTNetconnectivity
Defining your project scope
Paymentfactory/
middleware
FIN for payments (MT101), statements (MT940/2) and FX confirmations (MT3xx)
FileAct as file transfer to transport any format: domestic, ISO 20022, ACH, BAI, …
SWIFTNet
ERP(s)ERP(s)
Treasury Workstation
Quelle application pour se connecter à SWIFT?
Quels formats & messagerie ?
Avec quellebanque?
Comment se connecter ?
Les projets SWIFT dans les entreprises
Confirmations et Matchingdes opérations de marché
Payment FactoryCentralisation de trésorerie
Sécurisation et automatisationde la communication bancaire
Migration Etebac
© SAP 2008 / Page 25
1. Swift, la coopérative au service de l’industrie financière2. Un réseau bancaire ouvert au monde des entreprises3. Zoom sur une actualité chargée : SEPA et la fin annoncée d 'Etebac.
Agenda
La multi-bancarité en France aujourd’hui
VirementsPrélèvements
LCR
Relevés de compte
VCOM, ARA…
Services
CFONB fixes 120, 160, 320Formats
EDIFACT (Payord, Paymul)
ETEBAC 3Protocole
ETEBAC 5
X25 (synchrone ou asynchrone)
SEPA et la fin annoncée d’Etebac
Etebac 3 pas compatible SEPA
Démantèlement de Transpac (X25)
Fin de la fabrication des cartes Etebac 5
Recommandation du CFONB du 17 novembre 2008Protocole de transfert de Fichiers sécurisé sur IP
SWIFTNet FileAct EBICS
La multi-bancarité en France aujourd’hui avec SEPA
VirementsPrélèvements
LCR
Relevés de compte
VCOM, ARA…
Services
CFONB fixes 120, 160, 320Formats
EDIFACT (Payord, Paymul)
ProtocoleFileAct
SWIFTNet
SEPAISO20022
29
Les entreprises sur SWIFTOù en est on?
2005 2006 2007 2008 1Q2009
282
402
441
108
# registered corporate entities Geographical split
EMEA
Americas
69%
19%
Asia Pacific
12%
181
© SAP 2008 / Page 30
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