European payment initiatives
The European payment landscape is highly fragmented. Besides the international networks of Mastercard and Visa, there are numerous national payment systems, such as girocard or Carte Bancaire. Kurt Schmid from Netcetera and Dr. Carsten Wengel from Giesecke+Devrient provide an overview and the challenges the European Payment Initiative has to overcome.
The European Payment Services Directive obliges banks to open their interfaces and thus make data accessible to third parties. However, this open banking is not only about meeting the requirements of regulation. Because an intelligent use of data also enables new business models. What risks and what opportunities are associated with Open Banking?
PSD2 reality check
One thing is certain: from 1 January 2021, every online merchant will have to use strong customer authentication for card payments. Not all online merchants are sufficiently prepared for this.
Technology blueprint for the financial world
Opening the banking system and creating a peer-to-peer structure: distributed ledger technology (DLT) may disrupt and replace the hierarchical structures in the world of financial transactions.
Increase conversion in e-commerce with the latest EMV 3-D Secure protocol
A conversion rate as high as possible is one of the most important success factors in e-commerce. Everyone involved benefits from this: merchants and banks generate higher sales.
Berliner Zeitung publishes with Swiss software
Converting digital processes and technology in six weeks. It is all happening in a flash: the new owners of the Berliner publishing house have decided to radically modernize their editorial office.
From closed property funds to open digital assets
Crypto Assets / Digital Assets can open up the world of real estate financing for private investors based on blockchain protocols. This enables attractive participation in real estate with secure token offerings.
Digitalization of transactions with Asset Tokens
Asset tokens based on "distributed ledger technologies" (DLT) can make the business of banks and asset managers more innovative (alternative investment funds) - also in competition with FinTechs and "crypto" banks.
Why blockchain disrupts all industries
Blockchain is disrupting all industries, since it is a general purpose technology. Elena Karafiloski presents use cases in health & education.
3-D Secure 2.2 brings important progress: Easier, more convenient and safer payment in e-commerce
Paying with credit cards in e-commerce should be just as easy, convenient and secure for customers and merchants as at a checkout in the store.
Path Coordination System for RailNetEurope
Improved trans-European rail scheduling. Netcetera, leading Swiss software company and global IT solutions innovator, has implemented the new Path Coordination System (PCS) for RailNetEurope (RNE).
Click to Pay - simplify checkout with EMV® Secure Remote Commerce
A key task for online merchants is to make checkout as simple and convenient as possible for their customers. EMV® Secure Remote Commerce (SRC) and Network Tokenization create new possibilities and opportunities for this.
The battle for conversational interfaces
Conversational interfaces are sometimes very useful, but the acoustic language is not always the best option. We may overestimate the acoustic language without realizing that we often communicate better and more efficiently by other means.
Best practice for customer interfaces in payment & banking
Creating customer-friendly issuer apps & wallets - Currently, apps for mobile banking and payment are the most important way for banks to stay in touch with their customers.
Mobile payment from a bank’s perspective
Your own app or Apple Pay and Google Pay? Mobile banking apps are currently the most important channel for banks to stay in touch with their customers. However, customers expect more functionalities from such apps than just account balance inquiries and transfer options.
PSD2 Acquirer Exemptions: Leveraging opportunities for better customer friendliness
The European Payment Services Directive (PSD2) requests Strong Customer Authentication (SCA) for online payment transactions. However, there is a catalogue of exemptions to this rule.
Offering the checkout process in online shops as simple - that is what e-commerce is all about. If merchants could authenticate their customers themselves, one-click checkout would be easy to implement.
Reasons for 3-D Secure 2.2: Frictionless payment in merchant apps
For more than 20 years, the 3-D Secure protocol has been providing more security in e-commerce. Versions 2.1 and 2.2 have been launched in a relatively short time after each other. Why was this necessary and what perspectives result from it?
Scheme tokenization services
The fraud rate for Card Not Present (CNP) payments is up to 10 times higher than for Card Present (CP) payments. Scheme tokenization raises the security level of online payments and with it, contributes to a better conversion rate.
Tokenization: Opportunities for online retailers and PSPs
Tokenization is a simple process. The number of a credit card is replaced by another number, a so-called token. A token has a whole range of advantages.
Online-Shopping: Easy & secure payment
When consumers pay online, they prefer to use familiar payment methods. Our payment experts explain the challenges of card payments in e-commerce for card issuers and for online merchants, and the latest solutions.
Machine Learning powered risk classification to detect waste, abuse and fraud in health insurance claims
The availability of large amounts of data and affordable computing power helps spur new research that contributes to the increased interest in this field.
Real estate valuation platform for Wüest & Partner
We developed Wüest Dimensions for the consulting firm Wüest & Partner, a pioneering platform for independent real estate valuations.
Solving disruptions in networks with Machine Learning
How can trains learn to coordinate automatically causing minimal delays in large train networks? We choose Reinforcement Learning, a sub-domain of Machine Learning and Artificial Intelligence, to solve this challenge in the “Flatland” competition by SBB.
Order entry in University Hospital Basel
Success factors for more efficiency in clinical processes: The order entry process will be optimized, digitized and thus more economical.
Digital identity on n-blocks: New economy of digital identity
The capacity to prove your identity is a fundamental component of the economic, financial and social development. Even though identity seems to be a national concern, a global identity controlled by government authority is not a plausible option in the short term.
Mobile work at the University Hospital Basel
At the University Hospital Basel, doctors are no longer tied to a workstation to view patient data and enter orders, e.g. for radiological examinations. The modules "Dashboard", "Patient Archive Viewer" and "Order Entry" from the Healthcare Ecosystem, are now optimized for the use on mobile devices.
Hirslanden integration of electronic document exchange
Together with the Hirslanden Group, Netcetera, the i-engineers and Visionary are implementing a solution that links together all Hirslanden clinics, inpatient doctors and referring physicians of the Group.
Five reasons to update to EMV® 3DS 2.2.0 to boost approved transaction volumes
Cardholders’ demand for a better payment experience and improved security drives the market forward. With the PSD2 updates different SCA exemptions were introduced.
Strong authentication with one click
Tightened security requirements that will come into force with the implementation of PSD2 potentially mean more friction and less user-friendliness for the end customer, i.e. more payment abandonments for online merchants. New functions and technologies, such as Delegated Authentication, make it easier to balance between more security and more convenience at the same time.
Mobile Payment from a bank’s perspective
Mobile banking apps are currently the most important channel for banks to stay in touch with their customers. However, customers expect more functionalities from such apps than just account balance inquiries and transfer options. From the customer's point of view, for example, features for controlling payments, card management or mobile payment are particularly interesting.
Co-creating the future of our cities
Continuing our efforts into the Internet of Things (IoT) world, we have scaled up SkopjePulse to the next level and introduced a new crowdsourcing platform under the name pulse.eco.
A revival of a venerable ship - thanks to "mixed reality"
The Swiss Museum of Transport breathes new life into the venerable "PS Rigi" in a pilot project
New Timetabling Software for Swiss Railway
Netcetera, together with Ergon and NOSE, is developing the "NeTS" software system for the Swiss Federal Railways (SBB). SBB will use the system to plan its nationwide passenger and freight traffic from 2010 onwards. The pilot phase of one of the largest Eclipse RCP projects in Switzerland will run until June 2008. NeTS represents a highly successful collaboration between all the parties.
Game changer HoloLens
Augmented reality has been in the news recently thanks to Pokemon Go. HoloLens goes a few pioneering steps further, thanks to environment recognition: it visualizes virtual worlds within real space. The device is still only accessible to a very limited few, but it gives a strong indication of what the future of augmented reality, or mixed reality, will look like in a year or two
In-house public transport ticketing
On behalf of F. Hoffmann-La Roche AG we developed the public transport ticket system "Roche Mobility". The solution is free of charge for their employees and replaces the company's own bus service. Employees can now obtain a digital public transport ticket on their intranet in the Mobility Web Shop.
Cross-border tickets with TNW Tickets App
Thanks to Wemlin Tickets for TNW: simply buy an international ticket with the app on your smartphone. The TNW Tickets App for BLT developed by us now offers joint tickets between Regio Verkehrsverbund Lörrach (RVL) and Tarifverbund Nordwestschweiz (TNW).
ESISplus: Groundbreaking central information platform for ewz
In the event of a power outage all responsible employees receive all the information immediately and can rapidly respond.
Bühler CUBIC Innovation Campus visualized using augmented reality
We have visualized the CUBIC Innovation Campus of Bühler using augmented reality and PTC Vuforia Studio. In cooperation with the apprentices, we provided coaching and support in the implementation and thus enabled the Bühler apprentices to complete the project independently.