1. Our Portfolio Reflects Our Expanding Possibilities
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2. Contents Introduction 1Link Services Major Initiatives Conclusion
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3. Introduction
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4. Introduction
1LINK is a consortium of banks of Pakistan that own and operate the largest shared financial services network of Pakistan.
Our Focus is to:
Innovate
Collaborate
Research & Develop
Uplift the Payment Industry
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5. Historic Milestones
Year 1999: ABN AMRO and Askari Bank connected their ATM network (ABN Amro Switch)
Year 2002: SBP circular for the mandatory connectivity of either of the two switches (MCB Switch or ABN Amro Switch)
Year 2003: ABN Amro Switch decided to form a collective company and founded “1LINK”, to be run and governed by the existing 11 Members
Year 2005: 1LINK parterend with Visa International
Year 2006: 1LINK launched Inter Bank Funds Transfer Service
Year 2007: 1LINK launched Utility Bill Payment Service (UBPS)
Year 2011: 1LINK partners with China Union Pay
Year 2012: 1LINK partners with MasterCard
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6. Members Banks
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7. Alternate Delivery Channels
1LINK services are offered to the Consumer by banks via various Channels
Following channels are part of the 1LINK Payment Space:
ATM
IVR
Call Center
Internet
Kiosk
Mobile
POS
CDM
Other ADCs can be enabled depending on the Bank’s readiness
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8. 1LINK Services
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9. 1Link Services Cash Based Cash Withdrawal Non Cash Services
Balance Inquiry
Inter Bank Fund Transfer
Bills Payments
Telco Top-ups
Credit Card Bills Payments
Payment Platforms
VISA Inc
Mastercard Worldwide
UnionPay International
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10. 1LINK Shared ATM Network
Card Base
0.96 Million
Source: SBP Quarterly Review
* 30th June 2013
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11. Shared ATM Network
1LINK connects over 6,750+ online ATMs across the country
The network is continuously expanding
1LINK Shared ATM Network provides round-the-clock access to ATM
Optimum uptime and outstanding service levels increases customers confidence on 1LINK ATM network
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12. Inter Bank Funds Transfer
Instant and Real-Time Funds Transfer across member banks
30* IBFT enabled Member Banks
Electronic Funds Transfer using ATM, Internet Banking, Mobile, IVR, Call Center, KIOSKs
* As on 30th October 2013
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13. Inter Bank Funds Transfer
Value Proposition
IBFT Diversification
Digitization of payments
No paper work
Cost Efficient
Convenience and secure environment
Reaching PAN Pakistan branch network of 12,000+ branches
Customer to Customer / P2P Payments
Online Remittance Payments (B2C)
Credit Card Bills Payments (C2B)
Corporate Payments (B2B)
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14. Global Payment Gateway
1LINK has partnered with VISA, UnionPay, and MasterCard in Pakistan.
Bank are now able to Connect to IPS with reduced CAPEX and OPEX.
Banks can offer services to International customers like Cash Withdrawal and Balance Inquiry
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15. Internet Service Providers
Bills Payment Service
Others
Jubilee Life Insurance
Daraz.pk
Internet Service Providers
Wateen
Wi-Tribe
Qubee
Telecom
Ufone
Warid
Telenor
Zong
Mobilink
PTCL
Electricity
KESC
LESCO
HESCO
GEPCO
MEPCO
Gas Sector
SSGC
SNGPL
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16. Credit Card Bills Payment Through IBFT
Realtime and Instant Bill Payment from 30 IBFT Member Banks
Revenue for member banks on every credit card bill paid though IBFT
Member Banks LIVE on Credit Card Bill Payment through IBFT:
Habib Bank Limited
Silk Bank Limited
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17. IBFT for Merchant Settlement
Acquiring Banks are using IBFT to settle its POS Merchants
Merchants to receive funds at any of Bank account of their choice
Cost-saving and enhanced productivity against paper based instruments
Member Banks LIVE:
UBL
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18. Cash Advance Through ATM
Customers can enjoy the facility of balance inquiry and cash advance transaction from their credit cards through any 1LINK ATM.
Banks include :
HBL Visa Card
Faysal Bank MasterCard
Askari Bank Limited MasterCard
Bank Alfalah Limited Visa Card
Silk Bank Visa Card
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19. To Convert Proprietary ATM cards to Proprietary Debit Cards
Local Acquiring Switch
Acquirer
Issuer
Local Routing and Local Settlement
Standard Process and Pricing for Members
EMV Compliance
Support for both SIGNATURE & PIN
Loyalty Program for merchants
To Convert Proprietary ATM cards to Proprietary Debit Cards
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20. Risk Management PCI DSS Compliant EMV Compliance VISA Mastercard
Unionpay
1LINK Acquiring Switch
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21. Technology Updates Active DR Site in Lahore
SAN to SAN Replication (KHR & LHR)
High Availability on Switch Services
PCI Compliant Information Systems
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22. Technology Updates New Infrastructure for Bill Payment System
NOC Monitoring – 24x7
Service Desk Launched
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23. Major Initiatives
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24. Bill Payment Service 23 Member Banks LIVE
Increase in Billing Companies
No Additional Costs to Banks when adding new companies
Increase in Member Bank revenue to Rs. 7 per Bill
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25. Bill Payment Service Option to connect via Web Services
Telco billing will be moving to commission based model from fixed fee
Top-up amounts are being lowered
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26. Branchless Banking Initiatives
Issuance of Local ATM / Debit Card
Shared ATM Services
1LINK POS Offering
IBFT
Mobile Wallet with Level 0, 1 and 2 limits
Cash to IBFT through BB Agents
Cash Payout on POS
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27. 1LINK Loyalty Program
First Time in Pakistan for all 1LINK Member banks
Loyalty Program for all Services and Products of the Bank
Real Time Redemption of Loyalty Program – “Burn Side”
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28. 1LINK Loyalty Program
In discussions with Acquiring Banks to offer this service for Issuers with Loyalty Program
Customized Loyalty Programs will be available in Phase II
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29. Risk Management Real Time Transactions Monitoring Capability
Fraud Monitoring Application
Off US – 1LINK
On US – All Member Bank
Risk Management MIS
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30. Global Payment Schemes
JCB
American Express
Discover
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31. Conclusion Collaboration is the KEY! Securing the Future!
Enhancing Long-Term Revenue Growth
Execution Excellence!
We have done it before; We will do it again!
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