Payment systems and instruments (cards, credit transfers, direct debits, etc.) are rapidly evolving under the influence of both SEPA harmonisation (Single Euro Payments Area) and the spreading of new technologies: contactless cards, e-commerce, mobile payments, multi-application cards, etc.
As a result, innovative trends and practices emerge noticeably in:
- Distribution channels
- Formats and and media for payment instruments
- Associated value-added services
- Stakeholders' positioning along the payment value chain.
These changes create threats as well as opportunities for today’s payment service providers:
- Rise of potential partners and/or competitors
- Design and implementation of new services and offers: co-branded cards, acquiring of IP-based network transactions, commercial/corporate cards, etc.
The consultants at ADN’co assist stakeholders in the payment industry (payment service providers, corporations, public authorities, etc.) throughout the entire lifecycle of their projects:
- Opportunity studies for new offers and assessments of preliminary impact
- Coordination, project management, support and guidance in the day-to-day life of the project, from writing functional and technical specifications to delivering and testing developed software
- Expertise and support in strategic planning from product design to product marketing
- Planning, scheduling and monitoring of the implementation of operations.
ADN'co offers its services and experience in the following areas:
- Point of Sale Terminals (POS)
- Automated Teller Machines (ATM)
- Internet access via mobile phones and laptop computers
- Contactless cards
- Multi-application cards
- Credit, up-scale and co-branded cards
- Commercial cards (corporate, business and purchasing cards)
- Risk management.
ADN'co is involved in the optimisation, evolution and development of IT systems.
ADN’co also proposes scoring tools for distribution channels.
EXAMPLES OF ASSIGNEMENTS
- Corporate card (public authorities, corporations)
- Purchasing card
- Service voucher (home services, personal care)
- Multi-application cards
- M-payment
- Defining and implementing new offers:
- Debit, credit, business, corporate, purchasing and co-branded cards
- Merchant services and provision of POS terminals.
- Management of operation related projects:
- Secure online payment
- Purchasing cards
- Definition of the architecture for the management of card related risk
- Process analysis: Back-office processing of issuing and acquiring (POS, ATM) activity
- Management of organisation projects:
- ATM
- Purchasing card
- Back-office processing of card related activity
- Contactless
- Multi-application
- M-payment…
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