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| We make it easy for bank to offer credit
and debit card payments, whatever the merchant customers need.
Our point-of-sale solutions also offer banks highly secure and
efficient processing through Hypercom powered IP Gateway. |
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| In recent years, the credit card industry faced
one major challenge to its profitability, a problem that has persisted
even as the number of cards in circulation in the Malaysia has increased
by double-digit percentages. The challenge was the rising cost of
rewards programs. Issuers have not been able to make the economics
of reward programs work favorably for these cards. Card-member costs
at issuers have risen steadily as more consumers have redeemed awards
or taken advantage of loyalty programs. |
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| In this difficult environment, card issuers have
pursued a variety of strategies to add customers and increase their
transaction volumes. Mergers and acquisitions has been one of those
strategies, with the most eye-catching example being CIMB Bank acquisition
of Bumi-Commerce Bank and Southern Bank year. |
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| Card companies have little choice but to try
to excel at this game, because success will accrue to those companies
that introduce new products and services ahead of others and can thus
capture the extra profit until the copycats rush in and shut the window.
No card company has the resources to innovate in every area, so it’s
essential that companies take stock of their positional assets and
determine where they should focus. |
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| 1. |
Managed Payment Solutions |
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MPSB works with the right partners to provide
bank customers with a full and integrated payments solution. MPSB
understands integrated payments, both customized and off-the-shelf.
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MPSB makes it easy for bank by offering them
quality choices and giving them expert advice from our consultants.
We are passionate about payments, our recent success stories were
large shopping complexes such as Pavilion Shopping Complex in Bukit
Bintang and Matta Card, an industry wide two-in-one (Loyalty & Credit)
card for Tour and Travel industry. |
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Outsource of Countertop and Wireless Payment Solutions |
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We offer a variety of countertop payment solutions,
designed with the merchant in mind - neat, easy to install, simple
and easy to use. Point-of-sale devices accept Chip & PIN, magnetic
stripe and contactless payments, should the merchant needs it. |
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We offer portable and truly mobile wireless solutions
that deliver the extended coverage and flexibility the retail business
needs. Our small, lightweight handheld devices have a wide range of
communication options (such as Bluetooth, GPRS and Wi-Fi), and are
perfect for accepting payment in bars, hotels, restaurants and stadiums. |
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Micro Payment and Prepaid Top Up business |
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We offers bank an opportunity to form a nationwide
electronic transaction processing retail merchant network, combining
a credit/debit payment application with a mobile phone top-up service
and utility bill payment service at the point-of-sale. Other micro
payment such as ticketing, VOIP Top Up, Prepaid Internet service and
many others can be integrated with ease. |
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