Head office: Tour Manhattan, 5, Place de l’Iris, Courbevoie, 92095 La Défense Cedex, Paris, France. Tel: +33 1 55 91 72 72. Other offices: 23 across the globe. Website:
www.soprabanking.com/ Twitter: @SopraBanking Contact: Bernard Rame. Email:
company@soprabanking.com Founded: 1968. Ownership: Sopra Group GMT founders and managers, 39 per cent; Caravelle, 15 per cent; Société Générale, 12 per cent; public, 34 per cent. Staff: 1700+ Sopra Banking Software (16,290+ in Sopra Group).t
Sopra’s traditional market for payments, for the last 20 years or so, has been high volume, low value for banks. As with most of its other applications, the uptake has been almost exclusively at home to date, so that it has a dominant market share in France. The only non-French activity for what for most of its life was Evolan Payments stems to date from Société Générale, which has been looking to apply the system for some international operations. However, Sopra has a more outward looking strategy for all of its applications, with payments no exception, so it is actively seeking non-French takers. As well as applications, the company offers consulting, systems integration and application outsourcing for payments. Not all customers have the entire payments suite, with
BNP Paribas and Crédit Agricole among those with specific components. SocGen and HSBC France are broad users. In parallel, Sopra claims to manage more than 60 per cent of card transactions in France and to have all of the ten largest banks as customers. Evolan Payments was written in Cobol for the IBM
mainframe and there are still plenty of users with this platform. There is support for DB2 and Oracle. However, there is also now a Java version supporting Unix, launched in 2007. There is a single source for both versions, so they have the same functionality. Sopra claims to have had support for SEPA since 2007.
This is across both SEPA Credit Transfers (SCT) and SEPA Direct Debits (SDD). An SDD migration was carried out for ten banks in November 2010. The system is parameterised and spans payments processing, collections and French market
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requirements. It is modular, multi-entity and multi-currency, with anti-money laundering facilities. There is the ability to exchange, manage, enrich, repair and reconcile data. Sopra’s product manager, Valérie Oudet, said that while there are some high value payment facilities, the main target is the retail mass market. There are some cash management components, including for sweeping and pooling. There is also a ‘Payments Factory’ offering for corporates and public sector institutions. Renault was a catalyst for this in 2007/8. Sopra was recruited to work on a project to centralise its payments, in part as a reaction to SEPA. This resulted in the development of what the supplier says was a brand new, Java- based platform. Renault wanted to support SEPA, domestic and international payments for all of its European operations. SCTs went live in 2010, with SDDs being implemented in 2011. Sopra had an earlier mainframe offering for corporates, with the first user of this being assurance company, CNP Assurances. At peak times, CNP has one million payments per day. It is live with SCTs. CNP remains on the mainframe version but it is the Java offering that is now marketed to new users. If CNP was to introduce SDDs, Oudet’s expectation was that it would take the Java component for this alongside the mainframe system. Sopra believes there is plenty of opportunity within the French corporate market, driven by SEPA. It claimed to be involved in 40 pre-sales situations in late 2011. Sopra has a long-standing card management system,
acquired in 2003 with a subsidiary of Crédit Agricole, Inforsud. Again, there is a strong domestic flavour to the user base, although the main non-French customer is an interesting one,
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company details
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