Chirkov.net: блог

Компания Gartner ежегодно выпускает обзор «карточных» решений MarcetScope for Multiregional Card Management Software. В 2008 году в него впервые попала российская компания БПЦ и сразу же получила наивысшую оценку –  strong positive, причем единственная из 12-ти рассматриваемых альтернатив. Нельзя не гордится успехом «отечественного производителя» :-)
Вообще говоря этот обзор распространяется по закрытой подписке и любая репродукция запрещена…

Сам рейтинг выглядит следующим образом:
ACI Worldwide – Positive
BPC Group – Strong Positive
Euronet Worldwide (Essentis)– Caution
Euronet Worldwide (ITM)– Caution
Hightech Payment Systems – Positive
Metavante Technologies – Promising
OpenWay Group – Positive
Postillion – Positive
RS2 Software Group – Promising
SunGard – Positive
TietoEnator – Promising
TSYS Card Tech – Promising

С точки зрения Gartner, только Strong Positive является бесспорно сильной стратегической инвестицией (“Налетай-покупай SmartVista” :), а инвестиции в Positive должны рассматриваться потенциальными клиентами с учетом известных ограничений.  Дальше (т.е. ниже) – все хуже и хуже.

Кроме рейтинга исследование включает и обзор сильных и слабых сторон каждой из альтернатив. Можно считать это относительно “независимым” сравнением различных процессинговых систем, который так часто ищут в готовом виде банкиры, мучающиеся выбором. Я процитирую только актуальные для нашего рынка позиции:

ACI Worldwide (products: BASE24-eps, CMS, Payment Managers and Others)
Strenghts:

• Exeptional transaction management and operational risk management capabilities
• Support for payment convergence and portions of the payment services hub throug BASE24-eps in live production environments
• Scripting capabilities of BASE24-eps enable easier customization
• Product performance rated by customers as outstanding
• Fast problem resolution
• IBM partnership provides additional implementation credibility and SOA development expertise
• Experimenting with customers to leverage data for value-added purposes
• Support for payment instrument innovation such as mobile and contactless

Weakness:

• Customer references not completed in allotted time frame
• Financial performance in 2007
• Product overlap, particularly with the back end (CMS and Payment Manager); this is being addressed
• High TCO for emerging markets, as reported by customers
• Project management quality varies by individual personnel and weak at times, affecting delivery capabilities
• Product gaps include origination, some aspects of relationship managements (rewards, statement production) and portfolio management

От себя замечу, что рассматриваемый “новый” продукт BASE24-eps в СНГ ни разу не имплементировался. У нас распространен “классический” BASE24 на Tandem.

BPC Group (product: SmartVista)
Strenghts:

• Experience in large banking environments (currently supporting 24.6 million cards at a live production site)
• Flexible and modern architecture
• Detailed and well-thought-out road map, including product history, product strategy and functionality
• Projects delivered on time and within budget
• Innovative online service and support request entry and trucking facilities
• Strong support team and speeds of response
• Process methodologies that support innovation
• Commitment to quality methodologies
• Support for portions of the payment services hub in live production customer sites
• Enabling financial institutions to leverage aggregated data for value-added purposes to enhance customer and financial institution relationships

Weakness:

• Limited geographic presence outside Eastern Europe
• Flexibility is a strength and weakness; configuration and upgrade process can be challenging
• User guides for new or enhanced functionality not completed in a timely manner
• Lack of process management and rules when providing SmartVista as a payment hub solution

OpenWay Group (product: Way4)
Strenghts:

• Becoming a more prevalent competitor in Tier 1 established markets in addition to its historical emerging markets focus
• Gaining experience in large production environments (one customer now has 22 million cards in production environment)
• Described by customers as providing unprecedented commitment to relationships
• Modular design and modern architecture
• Flexible, rule-driven environment enables clients to implement customized environments
• Support for payment instrument innovation (mobile and contactless)
• Commitment to quality methodologies (scenario-based requirements engineering)
• Leverage standards such as BPEL
• Business rule-driven approach to leveraging data for value-added purposes
• Promising payment services hub capabilities

Weakness:

• Majority of customer still in Central and Eastern Europe (some expansion in established markets)
• Product configuration can be intensive
• Product releases can be strenuous and reveal need for more packaged functionality
• Strong marketing capabilities lacking
• Project management quality varies by individual personnel (sometimes weak, affecting delivery capabilities)

TietoEnator (product: Card Suite)
Strenghts:

• Flexible and modern architecture
• IT modernizationg effort (deagregated of card management functionality into component-based constructs)
• Proven scalability in large enterprise environments (20 million accounts supported at a live production site)
• Solid portfolio management functionality (product profitability reporting and behavior scoring)
• Leverages Rational United Process for software development
• Fast development for delivery time frames for customization
• Leverages standards such as BPEL and others
• Portions of a payment services hub solutions, but not through its card management software or business unit

Weakness:

• Financial performance in 2007
• Quality of implementation and support varies depending on resources deployed
• Security for Internet purchasing and loyalty needs improvement
• Customers say product is more tailored for Eastern Europe
• Quality of testing needs improvement

TSYS Card Tech (products: Prime and Online)
Strenghts:

• Extensive geographic breadth and depth throughout EMEA and Asia
• Innovative licensing models enable customer to pay as they grow
• Flexible and modern architecture
• Product performance rated customers as good
• Strong support and deliverables during implementation
• Support for licensed, card-processing outsourcing or combination of delivery models

Weakness:

• Customer references not completed in allotted time frame
• Customers report issues with postimplementation support
• Online and Prime have distinctly different feel for end users
• Customers say applying new prices to products is complicated
• Challenges in control of customization and updates
• Lack of visible best-practice knowledge sharing and ransfer from TSYS Card Tech corporate
• Lack of payment services hub solutions

Интересно, а в Gartner разобрались в том, что и БПЦ и OpenWay ссылаются на один и тот же референс large environments – Сбербанк РФ и кто из них largest? :)

Также в обзоре сказано, что на рынке поставщиков хостовых систем отмечена тенденция к консолидации, в частности в 2006 году TSYS (американский процессор) приобрел Card Tech, а в 2007 году Metavante купил Nomad (продукт Cortex), а IBM замутило партнерство с ACI. Да и по поводу готовящейся продажи OpenWay на рынке второй год циркулируют слухи (в прошлом году в качестве потенциального покупателя назывался ACI).