core banking platform and a host of specialised products from Evolan (payments, cards, lending etc). It is pitched at banks that plan a gradual IT transformation or want to revamp a specific business line. It was also touted as suitable as ‘a value proposition’ for direct banking entities, as Thaler already had a good track-record in this field, with users such as Rabobank’s online banking arm, Rabobank IDB, ABN Amro’s subsidiary, Moneyou, and Aegon’s direct banking start-up, Knab. A relatively small German core banking system supplier, COR&FJA, was added in November 2013, bringing around 100 staff and expected to act as a catalyst for increased core banking system activity in the country. On a much larger scale is the proposed coming together of
Sopra with another major French IT services company, Steria. Announced in early April 2014, it was touted as a friendly tie- up and, indeed, a counter bid for Steria from Atos was rejected later in the month. From a payments systems perspective,
Steria saw a buy-out of its payments division back in 2003, to form Sterci (now owned by Bottomline Technologies) and there does not look to be significant overlap. In July 2016, Sopra Steria was chosen as the digital partner for ‘The Services Family’ – a new UK military challenger bank that extends full financial services to the military, the armed forces personnel, veterans and their families. Sopra Steria managed service solution in conjunction with the Sopra Banking Software, will provide banking digital solutions to the customers of the bank. In November 2016, Sopra Banking Software announced its acquisition of Cassiopae MEA joint venture, increasing its stake from 45% to 100%. The acquisition is expected to boost Sopra’s strategy in key focus areas of Africa and the Middle East.
User experiences
A fairly large-scale user of Evolan Payments is La Banque de la Poste, for all SEPA and domestic payments, across a large number of outlets and other channels, including online banking. The corporate banking part of Natixis, part of BPCE, has Evolan Payments solely for SEPA, alongside an existing local payments platform. A more recent taker is BNP Paribas Personal Finance, what was Cetolan. As well as its own processing, it handles that of others, including competitors, Carrefour and AXA Financement. BNP PF needed to support SCTs and SDDs. There were ten competitors in the original selection, including Clear2Pay, CSC and Logica. It signed in October 2011. On the card side, Sopra claims to process more than 60 per
cent of card transactions, across acquirers and issuers, in the French market. All of the large French banks are customers. Via Inforsud, the system has underpinned much of the French market for over 20 years. There is little outsourcing in this area in France. Atos and Monext have specialist offerings, the latter using Sopra, and some small banks and subsidiaries have outsource arrangements, but most banks have their own systems.
First Data was a relatively early user, signing for the system in the early 1990s. It has traditionally had a single installation in Bratislava to support its processing for third-party banks. It uses the full suite of functions within Sopra’s suite apart from dispute management. The Bratislava-based system supports the 70 customer banks, which span 20 countries. Of late, First Data has been setting up a centre in Germany to support
266
larger customers. This will also use the Sopra platform. The first customer of this, National Australia Bank (NAB) for its UK subsidiary banks, was due to cut-over in the second half of 2011. The prepaid card part of NAB’s business was migrating from Fidelity’s Nomad-derived service. There have been other international customers over the years, including in central and eastern Europe (BGZ in Poland was one example) but these have fallen away, often due to mergers and acquisitions. The system is used by French banks for processing for their international operations, including in a few parts of Africa (including Cameroon) and central and eastern Europe. This has brought the need to have local interfaces, such as for French Polynesia, where the system needs to link to Visa, Mastercard and American Express in Australia. Société Générale is a major international user, including for its sizeable central European subsidiary banks and for other units, such as consumer finance.
At home, the system is central to a number of card initiatives, such as a joint venture between Société Générale and La Banque Postale and another involving BNP Paribas (and now also Fortis and the Italian portion of the group, BNL) and Caisse d’Epargne. The SocGen/La Banque Postale project has been a phased one, with the first transactions processed in 2009. SocGen moved across its contract and offer management in early 2011, with La Banque Postale due to do the same around one year later. In September 2016, Sopra Banking Software signed a
letter of intention with PW Consultants for the development and distribution of Talk to Pay, Sopra’s universal solution specialising in securing electronic payments.
Payment Systems & Suppliers Report |
www.ibsintelligence.com
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118 |
Page 119 |
Page 120 |
Page 121 |
Page 122 |
Page 123 |
Page 124 |
Page 125 |
Page 126 |
Page 127 |
Page 128 |
Page 129 |
Page 130 |
Page 131 |
Page 132 |
Page 133 |
Page 134 |
Page 135 |
Page 136 |
Page 137 |
Page 138 |
Page 139 |
Page 140 |
Page 141 |
Page 142 |
Page 143 |
Page 144 |
Page 145 |
Page 146 |
Page 147 |
Page 148 |
Page 149 |
Page 150 |
Page 151 |
Page 152 |
Page 153 |
Page 154 |
Page 155 |
Page 156 |
Page 157 |
Page 158 |
Page 159 |
Page 160 |
Page 161 |
Page 162 |
Page 163 |
Page 164 |
Page 165 |
Page 166 |
Page 167 |
Page 168 |
Page 169 |
Page 170 |
Page 171 |
Page 172 |
Page 173 |
Page 174 |
Page 175 |
Page 176 |
Page 177 |
Page 178 |
Page 179 |
Page 180 |
Page 181 |
Page 182 |
Page 183 |
Page 184 |
Page 185 |
Page 186 |
Page 187 |
Page 188 |
Page 189 |
Page 190 |
Page 191 |
Page 192 |
Page 193 |
Page 194 |
Page 195 |
Page 196 |
Page 197 |
Page 198 |
Page 199 |
Page 200 |
Page 201 |
Page 202 |
Page 203 |
Page 204 |
Page 205 |
Page 206 |
Page 207 |
Page 208 |
Page 209 |
Page 210 |
Page 211 |
Page 212 |
Page 213 |
Page 214 |
Page 215 |
Page 216 |
Page 217 |
Page 218 |
Page 219 |
Page 220 |
Page 221 |
Page 222 |
Page 223 |
Page 224 |
Page 225 |
Page 226 |
Page 227 |
Page 228 |
Page 229 |
Page 230 |
Page 231 |
Page 232 |
Page 233 |
Page 234 |
Page 235 |
Page 236 |
Page 237 |
Page 238 |
Page 239 |
Page 240 |
Page 241 |
Page 242 |
Page 243 |
Page 244 |
Page 245 |
Page 246 |
Page 247 |
Page 248 |
Page 249 |
Page 250 |
Page 251 |
Page 252 |
Page 253 |
Page 254 |
Page 255 |
Page 256 |
Page 257 |
Page 258 |
Page 259 |
Page 260 |
Page 261 |
Page 262 |
Page 263 |
Page 264 |
Page 265 |
Page 266 |
Page 267 |
Page 268 |
Page 269 |
Page 270 |
Page 271 |
Page 272 |
Page 273 |
Page 274 |
Page 275 |
Page 276 |
Page 277 |
Page 278 |
Page 279 |
Page 280 |
Page 281 |
Page 282 |
Page 283 |
Page 284 |
Page 285 |
Page 286 |
Page 287 |
Page 288 |
Page 289 |
Page 290 |
Page 291 |
Page 292 |
Page 293
