{ "docId": "019dd923-5de0-76bd-a16a-c6b650c2a28b", "docSlug": "c4f9716c03b0c2b5", "documentTitle": "Payment providers", "authorId": "Deloitte", "authorName": "HFS Research", "documentKindSlug": "consulting-deck", "documentKindLabel": "Consulting deck", "sourceTypeSlug": "strategy_consulting", "sourceTypeLabel": "Strategy consulting", "presentationDate": null, "orientation": "landscape", "aspectRatio": 1.778, "pageNumber": 9, "pageCount": 34, "prevPage": 8, "nextPage": 10, "slideType": "market_landscape", "function": "present_framework", "density": "balanced", "nDataPoints": 0, "notes": "The slide introduces a proprietary HFS framework for categorizing the payments landscape.", "elementsJson": [ "headline_text", "paragraph", "bullet_list" ], "metadataConfidence": 0.9, "imagePath": null, "slideHref": "/slides/019dd923-5de0-76bd-a16a-c6b650c2a28b/9", "deckHref": "/decks/019dd923-5de0-76bd-a16a-c6b650c2a28b", "deckJsonHref": "/decks/019dd923-5de0-76bd-a16a-c6b650c2a28b.json", "deckAnchorHref": "/decks/019dd923-5de0-76bd-a16a-c6b650c2a28b#slide-9", "components": [ { "bbox": { "h": 0.55, "w": 0.92, "x": 0.04, "y": 0.38 }, "kind": "list", "text": "Cards and payment offerings: Practitioners in the cards and payments ecosystem offer or support one or more products and offerings from the cards and payments portfolio. Most practitioners support new launches such as digital wallets, real-time payments, and buy-now-pay-later. The payments ecosystem supports and enables many sectors, thus we opted to identify them to underscore the broad impact of payments.\nIndustries: Cards and payments is an integrated experience organized around customer behavior relevant across industries like retailers, business-software firms, online marketplaces, telecom companies, automotive, hospitality, and healthcare. The payments ecosystem supports and enables many sectors, thus we opted to identify them to underscore the broad impact of payments.\nRisk and regulatory compliance processes: All aspects of risk and compliance, such as risk controls, ISO 20022 adoption, or tokenization, are relevant to the cards and payments ecosystem. The payments ecosystem supports and enables many sectors, thus we opted to identify them to underscore the broad impact of payments.\nEnabling technologies: So much of the innovation and change taking place in the cards and payments ecosystem is driven by enabling technologies, including RPA (robotic process automation), AI (artificial intelligence), and smart analytics. Our research on these topics will focus on how they are being utilized for cards and payments ecosystem players, which service providers are bringing them to the table, and what real business impact is being realized.\nHorizontal IT and business processes: Enterprises in all sectors have a range of consistent business and IT processes that are essential to running their businesses but executed similarly regardless of vertical and industry. We refer to these as horizontal processes and have segmented them by IT and business functions. Our coverage of these areas will focus on instances where something unique has been developed for the cards and payments ecosystem.", "attrs": null, "subkind": "bullet", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "3d6e2c6d-7158-4441-b3d4-43ee95a074e2", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.06, "w": 0.92, "x": 0.04, "y": 0.18 }, "kind": "paragraph", "text": "HFS has developed the cards and payments ecosystem concept to graphically depict our understanding of core functions performed by all the ecosystem players in the cards and payments landscape.", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "77f3beb7-5234-47ca-8e61-5e6b60e60c00", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.12, "w": 0.92, "x": 0.04, "y": 0.26 }, "kind": "paragraph", "text": "The cards and payments ecosystem is made up of all the cards and payments practitioners that interact with each other or perform overlapping functions during cards and payments transactions. The players are merchant banks, acquiring banks, card networks and electronic payment providers, issuing banks, payment processors, payment gateways, and payment facilitators. The cards and payments ecosystem includes the following elements:", "attrs": null, "subkind": "paragraph", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "f21f3f6a-0db4-4485-8566-80d9af0bc69a", "frameworkName": null, "frameworkSlug": null }, { "bbox": { "h": 0.06, "w": 0.7, "x": 0.04, "y": 0.05 }, "kind": "title", "text": "The HFS cards and payments ecosystem defined", "attrs": null, "subkind": "headline", "toolName": null, "toolSlug": null, "confidence": null, "componentId": "f7347889-596f-43b8-ae8c-b2b8e76acdd3", "frameworkName": null, "frameworkSlug": null } ], "metrics": [], "tools": [], "frameworks": [ { "name": "HFS Cards and Payments Ecosystem", "slug": null, "matchId": "b68adae7-ed35-4704-9c5e-a6c7b96f428d", "evidence": "Slide title and introductory paragraph", "confidence": 0.9 } ], "arcBeats": [ { "to": 9, "from": 4, "beatId": "51f69e55-3d27-4758-9f25-babea8fa5e9e", "arcName": "The Consultant's Gambit", "arcSlug": "consultants-gambit", "beatName": "Situation & Context", "beatSlug": "consultants-gambit-situation-context", "evidence": "The document provides an overview of the HFS cards and payments ecosystem and the research methodology.", "position": 0, "confidence": 0.8, "parentBeatName": "Setup", "parentBeatSlug": "setup" } ], "loops": [ { "to": 9, "from": 5, "name": "Golden Circle", "slug": "11-golden-circle", "bestFor": "Visionary leadership, brand positioning, mission statements", "matchId": "96fd2e58-a80f-436b-82cd-17f5dcf7ee18", "evidence": "The document provides an overview of the HFS cards and payments ecosystem and the importance of aligning payment provider objectives with service provider value.", "position": 0, "objective": "Why payment providers need to align with service providers", "structure": "The Why (Belief) -> The How (Process) -> The What (Result)", "confidence": 0.7, "description": "Invert the typical pitch by starting with why you exist, rather than what you do" } ], "imagePathAlt": null, "thumbSrc": null, "thumbSrcAlt": null, "locked": true }