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Instant payment: Innovative payment methods

The world of banking is in the midst of major transformations, and particularly Retail Banks, which are faced with new challenges and risks.

Instant payment, innovative payment methods:changes in the world of banking

Changes associated with the Payment Services Directive (PSD1/PSD2) / Open Banking
Change in client habits: Digitalisation
Arrival and New operators (namely PSPs): risk of disintermediation between banks and their clients

There is a real risk for retail banks to be neglected in transaction management (PNB generator), and to become no more than account “manager” bodies.

Banking Groups organise IS and regulatory work, and they put together new offers in order to convert these threats into opportunities.

Interbank Exchanges and Innovative Payment Methods are central to these changes.

Instant payment: our support in transforming innovative payment methods

The Apside team has been support all of the BPCE group’s project in the Interbank Exchange and Innovative Payment Method fields since 2013. Over these years, our team, composed of more than 20 individuals working both within our Skills Centre in the offices of the Apside Bordeaux branch and on client sites, has developed exceptional expertise in the design and creation of applications for Innovative Payment Methods.

More than 20,000 d/h produced across these projects since 2016.

IT projects :

Regulatory (in a standardised framework / same for all banks)
Strategic (implemented by all banks, even when they’re not regulatory)
Innovative
Transposable into all Banking

Example of project our teams have worked on

Instant Payment

Instant interbank transfers throughout the SEPA zone (34 countries) available 24/7

Paylib

Transfers between individuals via Mobile number (without knowing the beneficiary's IBAN)

Transferwise

International transfers (i.e. transfers in foreign currency to beneficiaries whose account is held at a bank outside the euro zone)

DSP2

Implementation of regulations

Groupe BPCE Payment Program

Overhaul of the Groupe BPCE exchange platform

Rulebooks SEPA

Regulatory and annual project to harmonise SEPA payment instruments

Industry

Production engineering

Apside has positioned itself to support its clients with their production engineering and the deployment of tools across the entire industrial life cycle.

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Digital Fresk: raise awareness amongst your teams!

Apside thus offers you the option of delivering this digital fresk workshop directly within your structures.

Climate Fresk: raise awareness amongst your teams!

In 2023, corporate social responsibility is being questioned more than ever. At a time when the climate situation is becoming increasingly alarming, it's vital to make organizations aware of the current situation, so that they can embark on a process of transition.

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ISC: Industrial Systems Cybersecurity

With its ISC (Industrial Systems Cybersecurity) offer, the Apside Cyber department provides you with support throughout your products' life cycles, securing them and resolving any cybersecurity issues.

Digital learning

Training catalogue

By expanding your company's training offering, you enable your employees to enhance their skills thanks to a catalog of personalized digital learning courses in a training area specific to your organization.

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Digital learning

Training digital transformation

Academy by Apside can help you choose the tools you need to set up a digital academy (distance learning platform or equivalent tool), so you can continue to capitalize on the training systems your organization has put in place.

Industry

Complex and Critical Systems

In an ever-changing world, industrial companies are under increasing pressure to improve efficiency while complying with safety and reliability standards such as D0178, D0254, EN50128, EN9100 associated with the aeronautical sector.

Digital learning

Training coaches

Academy by Apside gives your business experts the essentials of professional training, from design to delivery. This course covers the basics of training and pedagogical engineering, as well as neuropedagogy.

Service

Retail & Luxury Goods

Against a backdrop of digitalization and omnichannel consumption, where the customer experience needs to be totally revisited, Apside offers its support to leaders in the retail and luxury sectors to better meet consumer expectations.

Cloud

Software Testing & Quality

In 2023, at a time when information systems are increasingly complex, and security and confidentiality issues are more pressing than ever, guaranteeing reliable, high-performance software has become essential for all organizations.

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Instant payment: Innovative payment methods

Instant payment, innovative payment methods:changes in the world of banking

Instant payment: our support in transforming innovative payment methods