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2. e-Payment Challenges e-Government's Challenges Symposium 2005 12 April 2005 Inter-continental Hotel Mamoun Eregat Sales & Marketing Manager Afkar Information Technology Ltd. w w w. a f k a r o n l i n e. c o m © 2005 All Rights Reserved.

3. 3 Agenda Introduction The Challenge Q Pay – Case Study –Architecture Overview –Interfaces and Processors –Web Access Administration Recommendations

4. 4 Introduction e-Payment is on of the main challenges of almost all e-business initiatives including e- govermnet Regional e-government project has already kicked-off By 2005, Global eCommerce 6.7 Billion with 90% from B2B More than QR. 90,000,000.00 has been successfully transacted electronically be Qatar e-govermnet gateway till now (Pilot & Portal). e-payments should be a strategic direction

5. 5 Approximately 80% of CEMEA e-commerce transactions were not addressed by payment cards The Challenge Payment Card Online 21% Payment Card Online 64% Other 7% Other 18% Bank or Post Office Draft / Transfer 16% Bank or Post Office Draft / Transfer 10% Cash On Delivery 56% Cash On Delivery 8% Source: Face of the Web Survey – Visa International – May 2001 CEMEA figures based on: Urban Egypt, Poland, Urban Russia, Saudi Arabia, Urban South Africa CEMEAGlobal

6. 6 The Challenge, continue The lack of e-payment gateways The dependency of using Credit Cards for the existing e-payments gateway Total cost of integration and transaction fees were too high The lack of trust & e-trust The lack of legal framework

7. 7 Q Pay – Case Study Qatar Central Bank takes the initiative to provide QPay as the web based payment solution to facilitate transactions payments online QPay offers robust on-line payment solution for banks, merchants and consumers Flexible payment methods: –Credit Cards –Debit (ATM) Card –Pre-paid card –My bank account(s) QPay is Local, regional and international

8. 8 Architecture Overview Bank 1 Bank N Credit Card Gateway Customer Merchant Site Prepaid Card Gateway Payment Switch NAPS - GCCNet RTGS QPay Payment Gateway

9. 9 Interfaces and Processors Bank Connector 1 Credit Card Payment Interface Prepaid Card Payment Interface Debit Card Payment Processor Bank Payment Processor Credit Card Gateway Prepaid Card Gateway QCB Payment Switch (NAPS, GCC Other Networks) Bank 1 RTGS Connector Qpay Payment Gateway Prepaid Connector 1 Prepaid Card Management Interface Card Issuer 1 Credit Card Processor Processor Network

10. 10 Web Access Administration Payment Gateway Web Access Module Merchant Web Access Module Bank Web Access Module QPay Payment Gateway Customer Bank Administrator P.G Administrator Merchant Administrator E-Wallet Web Access Module QPay Domain Authentication Module

11. 11 Recommendations Governments should take the initiative of e- payments not only banks or private sector Implement campaigns and e- literacy initiatives Offer additional Incentives for using e-payment Introduce new payments mechanism like mobile payments Build more trust in using e-paymnets Enroll QPay ASAP locally and regionally Keep developing the experience through feedback

12. Thank You