Corporate and Offering Overview - TAS Group - TAS Group
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A Fintech start-up with over 35 years of experience TAS Group is the strategic partner for business innovation and digital transformation in Payments, Capital Markets and Extended Enterprise Our Mission To innovate and optimize mission-critical applications of financial operators To create value for businesses through long-term relationships with our customers TAS Group | ©2021 2
A growing worldwide presence Holding Headquarters Global Headquarters TAS Group operates at a global level with a strategic TAS SpA TAS INTERNATIONAL SA focus on domestic and international markets Rome, Italy Lugano, Switzerland through its companies Global Payments SpA Subsidiaries Domestic Subsidiaries and TAS International SA TAS France SASU Mantica Srl Sophia Antipolis, France Global Payments SpA TAS Iberia S.L.U Madrid, Spain Locations TAS Germany GmbH Bologna, Italy Munich, Germany Rome, Italy Milan, Italy TAS Eastern Europe d.o.o Parma, Italy Belgrade, Serbia Prato, Italy Verona, Italy Infraxis AG Siena, Italy Bern, Switzerland TAS USA Inc New York, USA TAS Americas LTDA São Paulo, Brazil TAS Group | ©2021 3
TAS Group: playing a key role in European payments For over 25 years, TAS Group has assisted Commercial and Central Banks in harmonizing their Eurosystem infrastructures, from the domestic RTGS and TARGET migrations, to the management infrastructures of T2, T2S, TIPS and the upcoming ECMS. Today, our mission critical solutions are trusted by major financial industry customers • They sit at the heart of the financial messaging layer of T2 and T2S at Eurosystem level, managing over 1 million payment messages per day* • They run in the card management infrastructure of the largest prepaid issuer in EU • They provide a trusted liquidity management framework for Banking Treasurers, ready to support Target Participants in the upcoming Consolidated T2/T2S/ECMS migration • They are the chosen technological framework offered by the first EU Instant Payments CSMs to their scheme participants * Source: ECB Annual Report TAS Group | ©2021 5
TAS Group at the heart of a payments revolution ISO 20022 ML & Open Big Data Banking PSD2 TAS Group Digital Payments expertise Micro CSDR Services Instant Payments TAS Group | ©2021 6
Satisfying a growing need for… HARMONIZATION INTEROPERABILITY IMPROVED SECURITY GREATER ACCESS TO DATA INCREASED FUNCTIONALITY HIGH CUSTOMISAZION IMMEDIACY CONVENIENCE TAS Group | ©2021 7
Adding value through experience and innovation • Software Applications • Application Management • Software as a Service • Professional Services • Project Implementation • Hosting & Cloud Services Cards & Digital Payment Intraday Open Omnichannel Hosting ML & Payments Networks Liquidity Banking Payment & Big Data Acceptance Cloud Services TAS Group | ©2021 9
TAS Group Platforms Our end-to-end solutions are designed based on four pillars MODULAR FLEXIBLE Relies on innovative programming Framework designed for the highest models offered by the level of adaptability in any HW/SW Java EE 7.0 platform configuration deployment . PORTABLE SCALABLE Total independence from application Expand services individually to match server, OS and DBMS; true portability business growth at no additional cost . TAS Group | ©2021 11
CARD 3.0 IE Issuing & Acquiring Out-of-the-box A state-of-the-art card and digital payments platform powering “Challenger banking” features innovation for Issuers, Acquirers and Processors Over 100 million cards managed worldwide Over 65% of Acquiring systems and more • Covers the entire card payments value chain, including card program design and configuration, than 50% of Issuing systems in Italy are card and PIN production, payment processing, fraud management, management of ATMs and EFT- managed by TAS solutions POS terminals, and Merchant and ATM Acquiring 14 years of recognized leadership in EMV • Supports physical and digital cards, remote and contactless payments, Apple Pay and Google Pay migration across Europe • Independent modules make designing and managing payment products and services easy • A comprehensive set of open APIs and rich functionalities, lets you innovate your offering, design unique user experiences and deliver innovative digital payments solutions. TAS Assets and Competences • Leveraging over 35 years of leadership and experience in the CMS market to help leading European banks accelerate their digital innovation and transformation Deliver innovative products and reduce time to market with a modern card issuing, processing and acquiring platform, either on premises or in the Cloud. TAS Group | ©2021 12
Over 100 customers worldwide A real-time intraday liquidity management platform for Securities, Cash and Collateral TAS Capital Markets products are used by many European global banks, dealer brokers of the Fortune Global 500 and leading An innovative and modular Liquidity Management System to help banks in the digital transformation Inter-bank Service Bureaus of their treasury. Aquarius is ISO 20022-native and is the first liquidity management system to provide: Chosen by over 40 Commercial Banks and a • An integrated view for cash, collateral and liquid assets in central and commercial bank money Central Bank to deliver the Vision 2020 Eurosystem migration • Real-time monitoring of multi-currency accounts and transactions, even on a targeted, single currency • Real-time and forecasting of BCBS248 metrics and customer limits to support operations, Intraday Liquidity Reporting and Automated Stress Testing TAS Assets and Competences • Core expertise in both business and functional domains • Established relationship with regulators (Central Banks and Custodians) • Leading solution for T2S customers and extensive experience with TARGET and SEPA migrations Responds to a growing focus on liquidity optimization following strict new controls on intraday operations (e.g. Basel III), wide use of collateral and system risks (e.g. EMIR, DODD Frank), and the liquidity bank assets. TAS Group | ©2021 13
Interbank Networks and Messaging hub that decouples back-office Manages more than 1 million payments each day. applications from network complexities for complete NSP autonomy Handles an average of 10 million transactions/day for T2S with peaks of 300 Value Proposition trx per second. • Efficiently manages all payment types and network access, national and international More than 20% of all financial transactions • Enables full independence from Network Service Providers (NSPs) exchanged among European Banks rely on this TAS solution • Modular architecture offering individual business and/or network drivers • Fully ISO 20022 compliant • SCTinst-ready with multiple CSMs • Acts as an access hub to SWIFTNet and SIAnet, the Internet, and as a transformation/validation engine for frameworks including SEPA, FIN, Funds and the new consolidated Target services via ESMIG TAS Assets and Competences • SWIFT-certified experts and interfaces • Deep expertise in changing regulatory environment and key market infrastructure frameworks TAS Network Gateway 3.0 messaging hub infrastructure is used by the European Single Shared Platform for T2 and T2S managed by the European Central Bank. TAS Group | ©2021 14
tasTPP Enabler Enabling financial institutions to play an The new platform enabling PSPs and TPPs to embrace active role in the new payments open banking and fully leverage PSD2 landscape and transition to a banking as a platform paradigm Value Proposition • Accelerates delivery of new API-based services • Full availability of PSD2 regulated services and full compliance with SCA requirements • Natively integrated with Instant Payments gateways • Facilitates TPP service roll-outs by decoupling and harmonizing ASPSP API interfaces • Provides EIDAS certificates key management and SCA management utilities Helps Banks/PSPs and TPPs take advantage of partnerships with FinTechs, leverage new digital technologies and deliver innovative, customer-centric services TAS Group | ©2021 15
Uses Advanced Analytics and Machine Learning to identify Today transactions security represents a key factor for PSPs, not only to protect payment anomalies for both card- and account-based transactions their end users but also to compete in the new scenarios opened up by PSD2 and Instant Payments. Value Proposition • Leverages Machine Learning combined with our proprietary "Adaptive Intelligence” platform to quickly spot payment anomalies for both card- and account-based transactions and take preemptive actions, or appropriate responses when fraudulent activity is confirmed. • Fraud Protect interacts with the customer environment in real time (be it a PSP, TPP or a Merchant) to enable swift preventive measures. • Uses advanced predictive engines to support Transaction Risk Analysis (TRA). In line with PSD2 and with the technical standards issued by EBA for strong customer authentication (SCA), Fraud Protect also offers functions to maximize the application of SCA Exemption. The innovative and flexible product for monitoring and preventing payment fraud in real time. Fraud Protect is powered by Mantica Adaptive Intelligence TAS Group | ©2021 16
Empowering your business with AI and Machine Learning Today’s businesses need predictive and prescriptive advanced analytics to discover opportunities for growth in an increasingly competitive landscape. Machine Learning is the solution to make decisions on time and accurately. Through our analytics specialist company, Mantica, we are bolstering our solutions with powerful Artificial Intelligence and Machine Learning technologies. Our solutions Fraud Protect, Payment Intelligence and Harmonizer all leverage Mantica’s Adaptive Intelligence capabilities to make the difference to your business. We are continually adding new solutions to meet your evolving needs in a rapidly shifting landscape. TAS Group | ©2021 17
Housing, Hosting and International Networks Capabilities Our Tier 4 datacenter located in Sophia Antipolis offers maximum flexibility and scalability, and best-in-class cloud and hosting services, thanks to powerful, latest-generation IT infrastructure Enables you to leverage innovations in technology and to scale up as necessary without the need for large investments upfront Autonomous Public System: AS8554 IP Transit with International Network • RIPE Local Internet Registry Operators • Level3 • Autonomous routing and traffic • Cogent management • Opentransit-Orange • Unlimited IP addresses allocation • Interoute • 5 Points of Presence in France and Performances and SLAs Italy • Lan-to-Lan, MPLS, Transit IP v4 and v6 • Redundant fiber channel backbone • Security : VPN, Firewall, IPS, redundant DDoS protection n*1 Gbps • 2 Datacenters in Sophia Antipolis • Availability: 99,99% Redundancy • Recovery time : 4 hours • Low latency Internet access: • Traffic latency: intra-Europe 50ms, Service Continuity Sophia - Paris : 16 msec RTT Sophia – Milan : 8 msec RTT USA&Canada 80ms Local Presence • Packets delivery: 99,9% International capabilities • 3 Points of Peering (Sfinx, FranceIX, Equinix) TAS Group | ©2021 18
CONTACT www.tasgroup.eu solutions@tasgroup.eu Thank you! The information contained in this document cannot be distributed to third parties without the written authorization of TAS S.p.A
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