Cards & Payments the way we do it

The Payments Transformation Journey

Achieve profitable
growth in payments

75% of bankers
The payments landscape is always changing, strongly driven by regulation and
innovation. During the past decade, while payments have become more global,
payments infrastructures have become more standardized at the local, regional and
consider payment global level. As the industry faces new competition from non-banks and increasing
processing transformation regulations to protect consumers, banks are responding by being more creative,
more agile, and stretching their payments business model.
a top 3 business priority
How can banks achieve profitable growth in payments? Capgemini has helped
—World Payments Report banks invest in new payments products and services that are quickly available for
rollout while relying on a secured, agile, industrialized and cost effective payments
2014, Capgemini and RBS infrastructure.
End-to-end services to support your
payments transformation journey
When transforming your payments processing systems, experience counts.
Capgemini has helped some of the world’s largest banks on their payments
By leveraging our proven transformation journey, from establishing a clear and profitable business case to
implementing a valuable solution. Our approach is driven by business requirements
payments transformation throughout the journey. We ensure key business goals and expectations are
assets, Capgemini has addressed at every stage and create a strong consistency between the what and the
how. Our portfolio of services covers a wide set of activities, including:
helped clients accelerate • Defining and managing strategy, business case and programs through our domain

delivery by 15% consulting and PMO services

• Defining target architecture and performing platform analysis and selection
• Implementing a solution using our application development and integration,
testing, migration and application maintenance services
• Functionally certifying and stabilizing a complex multi-country payment hub
through our Proprietary Clearing Connect solution which helps develop and
mature use case models for the entire payment landscape
• Supporting and evolving payment solutions by maintaining a brand new payments
hub or taking responsibility for the entire payments applications portfolio
Based on our experience with successful payments engagements, Capgemini has
developed proprietary accelerators and assets to speed your transformation journey.

Exhibit 1. Deliver Payment Hub

Payment Strategy High Level Design Transformation Detailed Solution

Build and Test Migration
& Vision & Business Case Strategy Design
Business prod mng,

Business Transformation plan Final business requirements, Client communication

Business case
legal, finance, risk

requirements product management acceptance criteria

legal, risk compliance, Acceptance product Benefit tracking
Product Business architecture
Impact product finance management, legal,
impact products, organization
management, legal, risk compliance, Product
analyses
risk compliance, finance finance rationalization
Detailed
Business Refined business case
program User acceptance
model Choose Task forces
governance
client impact
Target and processes
Start up and plan Operational Work instructions
operating Detailed Detailed process design
Ops/CS

impacts Embedding
model
Plan

Kick-off program plan

Operating User acceptance
Solution Use cases, acceptance criteria User training
Define model
organization Transformation
Functional
Start up

& governance Migration plan

Detailed test plan acceptance Migration
As-is scenarios
Baseline preparation
requirements Migration Build
Detailed migration planning
and inputs Gap analyses strategy Migration
IT

Project plan IT solution design Unit testing execution

High level solution design
IT migration approach Detailed functional specs Embedding
If not already Reference Architecture Integration testing
process rules, interfaces maintenance
available
Transformation
preparation

Sort out landscape

Get in control Clean-up
Remove atypical
Application scan Remove double functions
payment functions

2 The Payments Transformation Journey

 Cards & Payments the way we do it

Capgemini’s Payments Reference Architecture helps reduce the time to Clearing Connect
market by providing a state-of-the-art vision of payments systems that serves as helps banks:
a model for the target architecture. We use the reference architecture to build a
gaps-based approach to transformation rather than reinventing your payments • Accelerate multiple clearing
systems and quickly identify integration points, critical for the success of a payment scheme rollouts
hub implementation. The reference architecture also helps us develop process • Industrialize the addition of
and function descriptions that serve as the foundation for use case scenarios new clearing
and test cases. These assets are used during the implementation phases to • Ensure comprehensive and
accelerate testing. complete coverage
• Support quality assurance
Capgemini has also developed Capgemini’s Clearing Connect, a unique use case
processes for payment
maturity model that makes clearing certification of your payment hub simple and
engine code
comprehensive. Through Clearing Connect, Capgemini can support banks with
geographical rollouts across multiple local clearing houses, helping accelerate local • Enhance change control
clearing scheme implementation into your payments platform. mechanisms
• Improve productivity
Clearing Connect helps banks reduce the cost of implementation and maintenance
and better manage local regulatory evolutions to make yearly evolutions more
cost efficient.

Exhibit 2. Capgemini's Payments Reference Architecture

Client and Product Management Services Billing Support Services Finance Support Services
Customer Information Reporting
Payment Agreement Management Payment Billing
Nostro/Vostro Management
Distribution Channel Management
Payment Product Management Payment Rate & Charge
FX Rate Management
Payment Template Management
Customer Account Management Liquidity Position Handling
Credit Limit Management Counterparty Management
Cash and Account Management General Ledger Update
DD Mandate Management Counterparty Management

Channel Services Core Services Financial Market

Infrastructures
IVR Payment Order
Payment Instruction
Fax/Email Chaps
Payment Release FX Rating
Internet Receive Instruction(s) BACS
Order Routing & Scheduling
Financial Message Exchange Service

FM Exchange Network (SWIFT a.o.)

Mobile Instruction Validation Faster Payment

Balance Check Financial/Acct. Positions Update
Bank Clerk Fedwire
Instruction Enrichment Credit Check Payment Charge Handling
File Transmission CHIPS
Instruction Scheduling Liquidity Check Send Payment Order(s)
Physical Media CLS
Payment DD Mandate Handling Regulatory/Compliance Check Receive Payment Order(s)
SWIFT Euroclear
Handling bulk payments Confirmation Handling
EBA EURO 1/2
Bank Applications Instruction Internal Routing R-Transactions EBA STEP 1/2
Treasury
Notification Service TARGET 2
Capital Markets
Payment Status Notifications
Securities
Loans Correspondent
Trade Finance Payment Warehouse (Operational DataStore) Banks

Payment Operations Management Services

Monitor and Control Services Risk Support Services

Customer Support
Authorization Management Transactional Archiving
Supervised Support Services
Investigation and Exception
Alert Management Audit Trail Sanction List Verification
Payment Complaint & Disputes
Payment Workflow Management Operations Risk Management Internal Black/Grey List
Payment Repair
Payment Queue Management Fraud Analysis
Reference Data Management
MOP (Routing) Management Fraud Detection
Payment Status and Monitoring
Payment Reconciliation Regulatory Compliance

3
 Cards & Payments the way we do it

Selecting the most suitable solution independently

IN PRACTICE:
among a robust network of software leaders
Payments Hub Expertise
For over 20 years, Capgemini has delivered engagements across all major
Capgemini has successfully
payments systems. We use our payments domain expertise and software package
delivered payments hubs for banks
implementation experience to help banks find the right solutions to meet your unique
globally:
needs. Our deep partnerships with major payments software vendors give us insights
into the strengths and weaknesses of each package which allows us to guide banks • Provided hub strategy and design,
in choosing the appropriate solution for your requirements. We use regular vendor architecture definition and platform
trainings and internal certifications to keep our payments specialists up-to-date on selection for a large Asia Pacific bank
the latest products and industry trends. • Defined strategy, business case and
program for large European banks

A Payments Partner You Can Trust • Performed implementation analysis,

best practices and landscape
At Capgemini, the payments hub is the primary focus for our global payments transformation support for a large
practice which includes over 450 associates currently working in payments programs global bank
for leading financial institutions around the world. Our Rightshore® capabilities use a • Implemented Clear2Pay platforms for
combination of onsite, onshore and offshore resources to meet your specific needs. European banks
• Defined and designed in-country
Through payments hub integration engagements, we have helped our clients achieve: clearing connectivity and certification
• Implemented and rolled out a solution
• Faster straight through processing and payment operations high-speed processing
for a leading European bank
• Lower total cost of ownership
• Faster time to market

Get started today by visiting us at

www.capgemini.com/payments or contacting us:

Continental Europe Global

Michel Vaja Jeroen Holscher
Head of Continental Europe Payments Practice Head of Global Payments Practice
michel.vaja@capgemini.com jeroen.holscher@capgemini.com

All products or company names mentioned in this document are trademarks or registered trademarks of their respective owners.
Rightshore is a registered trademark of Capgemini.

About Capgemini
Now with 180,000 people in over 40 countries, Capgemini is one of the
world’s foremost providers of consulting, technology and outsourcing
services. The Group reported 2014 global revenues of EUR 10.573 billion.
Together with its clients, Capgemini creates and delivers business,
technology and digital solutions that fit their needs, enabling them to
achieve innovation and competitiveness.
A deeply multicultural organization, Capgemini has developed its own
way of working, the Collaborative Business Experience™, and draws on
Rightshore®, its worldwide delivery model.

Learn more about us at

www.capgemini.com
The information contained in this document is proprietary. ©2015 Capgemini.
All rights reserved. Rightshore® is a trademark belonging to Capgemini.