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Our Portfolio Reflects Our Expanding Possibilities

Our Portfolio Reflects Our Expanding Possibilities. Contents. Introduction. 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

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Our Portfolio Reflects Our Expanding Possibilities

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  1. Our Portfolio Reflects Our Expanding Possibilities

  2. Contents

  3. Introduction

  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

  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

  6. Members Banks September 19, 2014 6

  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

  8. 1LINK Services

  9. 1Link Services

  10. 1LINK Shared ATM Network Card Base 0.96 Million Source: SBP Quarterly Review * 30th June 2013

  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

  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

  13. Inter Bank Funds Transfer Value Proposition IBFT Diversification Customer to Customer / P2P Payments Online Remittance Payments (B2C) Credit Card Bills Payments (C2B) Corporate Payments (B2B) • Digitization of payments • No paper work • Cost Efficient • Convenience and secure environment • Reaching PAN Pakistan branch network of 12,000+ branches

  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

  15. Bills Payment Service

  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

  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

  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

  19. Local Acquiring Switch Acquirer Issuer To Convert Proprietary ATM cards to Proprietary Debit Cards

  20. Risk Management • PCI DSS Compliant • EMV Compliance • VISA • Mastercard • Unionpay • 1LINK Acquiring Switch

  21. Technology Updates

  22. Technology Updates

  23. Major Initiatives

  24. Bill Payment Service

  25. Bill Payment Service

  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

  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”

  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

  29. Risk Management • Real Time Transactions Monitoring Capability • Fraud Monitoring Application • Off US – 1LINK • On US – All Member Bank • Risk Management MIS

  30. Global Payment Schemes • JCB • American Express • Discover

  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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