Retail Payments

Strategy & Planning​

• Identify strategic opportunities, conduct Business cases, support in pricing strategy for the launch of new payments solutions ​
• Deliver Benchmark analysis relevant to the market, identify potential partners, and conduct scouting of solutions via RFP / RFQ​

Platforms, Products, & Technology​

• Perform Vendor selection, onboarding, and integration of payment systems including FinTech platforms​
• Support the implementation of technological solutions; enhancement of the current digital platforms ​

Digital Transformation​

• Transform the organisation by identifying innovative use cases​
• Support the execution of developing the right tools, platforms and reporting governance solutions  

Customer Experience Design (SiaXperience)​

• Redesign the customer journey offering a simplified and omnichannel experience, enabling the development of new paths​
• Project and implement loyalty and cashback programs, gamification initiatives​

Program management​

• Program manage initiatives around payments across the entire life cycle of a new product, from the design to the delivery, the commercial launch, and ongoing support in the running phase​

Green Payments 

Environmental consideration and the opportunity to contribute to the reduction of our carbon footprint is growing as a new collective sentiment. Banks are paying more and more attention to the topic, offering products and services with "green goals" and services to measure and reduce the carbon footprint, suggesting how to compensate emissions and to adopt good behaviours.

Leveraging Greenly, our solution to measure the impact of CO2 emissions linked to payments transactions, can enable the development of value-added services for banks' retail customers. 

Request to Pay (RTP)

RTP is a new payment scheme under the sponsorship of the European Payment Council that will enable a new payment experience in B2B/B2C transactions. The implementation of this new scheme will generate a new experience based on Instant Payment for consumer clients, while streamlining the electronic invoicing process for corporate and recurring payments, ensuring a new customer experience for both markets.

Definition of value-added services based on concrete use cases that can be implemented for corporations, banks and clients. We can support clients from UX/UI definition, and design of the process/journey, to the technical implementation and rollout.

Buy Now Pay Later (BNPL)

Buy Now Pay Later payment methods are adding new opportunities for customers to defer payments for in-store and e-commerce purchases, with a debit/credit card.  These solutions are increasing market share to the disadvantage of traditional consumer finance and personal loan products, as they are free of charge for customers.

Instant Payments 

Implementation of instant payment products.

• Launch of digital wallets for Retail clients
• Deployment and improvement of new digital payment methods
• Design of POS on phone solutions
• Transit, contactless payment tools for transport services
• Launch of BNPL services – from the Bcase, through the choice of the technical solution 
• Design, implementation and roll-out of traditional payment solutions (debit/credit card, ATMs, Transfers) 
• Design, implementation and roll-out of emerging payment solutions (Instant Payment, Mobile payments)
• Production of studies/benchmarks/offers on Instant Payments, EPI, BNPL, Insight Payment, Wallets, Fintech & GAFA, ...