SCB Smoothly Migrates to Phoenix As a Unified ATM Controller

Benefits: SCB selected Phoenix EFT Switch over other world class solutions as it offered the flexibility and scalability required to transform its payment infrastructure.

SCB smoothly migrates to Phoenix as a unified ATM Controller

www.tpsworldwide.com SCB smoothly migrates Case study: 1Link to Phoenix as a unified ATM Controller

Overview Transaction Platform for the Standard Chartered Pakistan combined bank. In the Limited (SCBPL) had acquired process, SCB successfully Union Bank in 2006 and went converted to eBBs as a single Services Offered: through the process of core banking system. Similarly, SCB/ex-Union Visa integrating the software to ensure uniform services across the alternate delivery Debit Cardholders systems of the two banks. SCB ATMs After acquiring Union Bank in channels of the banks, SCBPL Pakistan, SCBPL had decided had opted for Phoenix ATM PIN Change amongst the two deployed to move to a switch that could Balance Inquiry & Mini help it in the rapidly changing switches (Sparrow and Statement market dynamics of the Phoenix). Phoenix was country and keep it selected over the options, Cash Withdrawal each of which are world class competitive in the cut throat Funds Transfer (own competition among the banks. solutions, because of the flexibility Phoenix offers, the account) Before the merger with Union cost-effectiveness of the Funds Transfer (third Bank, SCB was using an older solution, reduced time-to- party account) version of CR2’s Sparrow market and the functionalities whereas Union was using of Phoenix. Besides serving as Funds Transfer (inter- Phoenix to drive their e- an ATM switch and an bank) banking services. The bank integrated delivery channel Statement Request had 3 options: To outsource manager, the bank is the ATM switching functions benefiting from TPS’ Cheque book Request to Euro Net where most of the comprehensive monitoring Credit Card Payment countries in the group had solution, CMS and been going. 2) If switch is to Reconciliation system. VISA SMS Acquiring be in-house, upgrade Sparrow MasterCard Acquiring to its latest version. 3) To have TPS offered a clear and simple Phoenix. migration strategy from the Mobile Top up existing environment, as Utility Bill Payment After evaluation and due required by the bank. diligence, SCBPL decided to Moreover, TPS stayed use Phoenix as the ATM committed to its proposed switching system and 01 new architecture in terms of the switch conversion was the Case study: 1Link it meeting the current and requirement to retain both future needs of SCBPL. The cards as well as the PINs that alternate distribution are associated to the cards, so architecture based on Phoenix the process of switch offered a flexible growth path conversion remained whereby new services and transparent and seamless to solutions could be seamlessly the bank’s customers. During integrated within the the migration, TPS had a framework of Phoenix challenge to maintain Switching Middleware. TPS continuity of e-Banking had been working closely with services at the bank and SCBPL Systems Integration existing alternate delivery Services Offered: Team for over 18 months prior channels. SCB/ex-Union Visa to the migration and had quite Debit Cardholders a good understanding of the Solution POS requirements and the Realizing the power and environments of SCBPL and potential of Phoenix and the Purchase / Sale ex-Union Bank. value of money it offers, Void of Sale Standard Chartered Bank Challenge (Pakistan) took the initiative IVR Switch replacement is a multi- to pursue expansion of its e- pronged activity divided into Banking services and decided Balance Inquiry & Mini several stages. The major to migrate from its existing Statement concern and a pain point switch, Sparrow to Phoenix. Debit & Credit Card PIN during the replacement is the TPS stood up to the challenge Generation migration of data to the and took up the critical project system; which involves both of switch replacement. Funds Transfer (own the card data and customer Replacement Strategy account) profiles. SCBPL decided to TPS after evaluation of the migrate the host of ex-Union Funds Transfer (third challenge in hand presented to eBBS that was already party account) to SCBPL two switch running in SCBPL prior to the replacement strategies. Funds Transfer (inter- merger as well. bank) Re-Carding In the first phase of this This suggested Re-Carding of complex integration, core the entire existing customer banking had been successfully through ACCESS, TPS’ card converted and eBBS become production system. This meant a single core banking system that new cards would be for ex-Union accountholders. produced and sent to all of One the greatest challenges in 01 existing customer along with the bank’s customers. The last Case study: 1Link the printed PINs. and the most tedious step before cutover was that Data Migration Sparrow’s Card and PIN files The second strategy was to needed to be processed by migrate data from the existing and imported into Phoenix switch and import it into Card & PIN database securely Phoenix and ACCESS so that and without losing data no card would be required to integrity. be reissued to old customers. The bank opted to this strategy Migration of ATMs of Data Migration in order to All ATMs connected on the avoid any inconvenience that Sparrow were migrated to could be caused to the Phoenix. As Phoenix was customer in reissuing. already capable of handling 1Link Debit NCR ATM’s no change was Implementation required. Only new ATMs were Cardholders TPS took the task step by step. needed to be added in ATMs In the first phase, Phoenix of Phoenix. ex-Union was successfully Balance Inquiry connected to eBBS, routing Results Cash Withdrawal specific inquiries and A successful switch authorization to eBBS that replacement migration Phoenix receives from various resulted in an even stronger Non-SCB Visa channels deployed at ex-Union relationship between SCBPL Cardholders Bank. After eBBS became a and TPS, both have mutually ATMs single core banking system for benefited from this ex-Union accountholder, Cards partnership and have grown Balance Inquiry and PINs issued through together. Phoenix ensured Cash Withdrawal Sparrow were migrated from that the bank’s customers do Sparrow to Phoenix to make not face disruption in the it a single switch. Its CMS services during the cutover (ACCESS) got all the bank’s from Sparrow to Phoenix. The debit cards. One the greatest smooth migration brought the challenges in the switch alternate delivery channels of conversion was the ex-Union and SCBPL together; requirement to retain both creating one single real-time cards as well as the PINs that financial transaction were associated to the cards, processing system, and giving so the process of switch to the customers a single and conversion would be unified view of the entire SCB’s transparent and seamless to alternate delivery channels. 01 Phoenix, implemented as a Banking related products and Case study: 1Link unified ATM controller and a services. SCBPL can be debit card switch, is acting as amongst the early technology Debit CMS, Visa debit cards adopters and can quickly close issuer, acquirer of Visa and the technology and services MasterCard cards, ATM gap that exists between it and controller and the integrated other financial institutions. channel manager. Its scalable, Local support. SCBPL benefits modular design enabled the from strong local support of bank to integrate the ATM TPS which will not only prove channel onto a single to be more cost effective in platform – and various new long term but also enhances services and delivery channels the operational stability. as and when required – while managing the ever-increasing Local development. TPS has transaction volumes. pioneered many indigenous products and service. The Today, SCBPL’s customers business domain knowledge enjoy Pakistan’s widest, most and strong development team innovative array of e-Banking of TPS will always be behind services, using traditional or SCBPL to develop and emerging channels. introduce new and innovative services on SCBPL alternate Option for Phoenix and channels. undergoing an infrastructure Support for Bill Payments. TPS revamping exercise, Standard has support for multiple Chartered Bank also gains the utilities already that can allow following benefits: the bank to offer bill payment Capitalizing on existing services on its ATMs and systems and interfaces, CDMs in a relatively shorter guaranteeing early to market time and with high reliability. and reliable systems, while Relevant Experience in Switch reducing cost. Migration. TPS has assisted Early to market. TPS has many institutions to migrate introduced various innovative to Phoenix with minimal services in local financial disruption in service and sector and continues to minimal cost of change. expand its portfolio of e-

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