Mobility Payments Asia Pacific 2024

Introduction
Introduction to MPAP2024, conference theme and objectives, business, and technology areas to be discussed.
Greg Pote, Chairman, APSCA

Welcome address from MRT Jakarta
Welcome to Mobility Payments Asia Pacific 2024 in Indonesia from the co-organiser, MRT Jakarta.
Tuhiyat, President Director & CEO, MRT Jakarta

Keynote Address from Bank Indonesia
Indonesia’s central bank discusses the importance of inclusive payments in driving usage of public transport.
Speaker to be advised, Payment System Policy Department, Bank Indonesia

Delivering Customer-Centric Mobility Payments
Driving modal shift from private vehicles to public transport requires customer-centric mobility services; a key factor is making it easy to pay transport fares. In this opening session, public transport stakeholders discuss how to enable customers to pay for their journeys using any of the payments instruments which they already have, including the wide variety of mobile wallets increasingly used by customers across Asia, as well as closed-loop and open-loop card-based payments, to create a roadmap for genuinely inclusive payments for mobility services.

• Traditional closed-loop contactless transport card schemes are inclusive. But in a world where customers now have so many digital payments options, are they still the easiest way to pay for transit fares?
• How can transport authorities best manage the situation where there are several closed-loop contactless transport card products offered to customers that are not interoperable across a city/region?
• EMV contactless payments in public transport first launched in Malaysia in 2012. Why has the first solution for open payments in transit not been more widely deployed in Asia after more than 10 years?
• Today, server-based mobile e-wallets and real-time payment mobile wallets are the fastest growing digital payment methods in Asia- how easy is it to accept these for mass transit payments?
• Is the convergence of server-based mobile e-wallets on real-time payment rails using single QR likely to make it easier for public transport stakeholders to accept digital wallets in transit?
• With the growing network of cross-border interoperability for national real-time payments in Asia, does this mean that transit authorities will only need to accept single QR and EMV contactless?

Viewpoint 1: Speaker to be advised, PT MRT Jakarta [~30min]

Refreshments, Networking and Expo Viewing

Viewpoint 2: Dr. Somprasong Suttayamully, Director, Fare Media Business Department, Mass Rapid Transit Authority of Thailand [~20min]
Viewpoint 3: Randolph Ian V. Clet, Project Manager/Implementation Manager, Automated Fare Collection System Program Office, Department of Transportation of the Philippines [~20min]
Viewpoint 4: Speaker to be advised [~20min]

Discussion: Mobility Payments Fit for Asian Markets
Asia is the largest and fastest-growing market for public transport services, and the fastest adopter of innovative digital payment methods. Do we need a fresh approach to inclusive and open payment systems in public transport for the Asian region? Legacy closed-loop transport card schemes are inclusive, but only truly customer-centric if they can enable seamless end--to-end journeys across a public transport system. What is the solution when they don’t? There is growing interest in more open payment options for public transport customers. EMV contactless payments are one option but usually exclude the unbanked (and have trouble with concessions). In a growing number of Asian markets, customers are using server-based mobile e-wallets and real-time payments wallets. How should PTAs, PTOs and ticketing schemes in this region handle the millions of Asian customers who are using these non-card-based mobile wallets?

Lunch

Managing the Transition from CBT to ABT
PTAs, PTOs, and ticketing schemes in Asia are implementing account-based ticketing (ABT) systems, either to sit alongside or eventually replace their card-based ticketing (CBT) systems. Full account-based payments enable transport operators to manage their own branded products in tokens, on mobile, in the cloud. They also enable acceptance of customer tokens not issued by, and travel funding sources not managed by, transport operators. This session explores challenges for operators implementing ABT systems, while still operating their legacy CBT systems.

• What are the challenges for PTAs, PTOs, and ticketing schemes in shifting to full account-based transport payments? Are the benefits of a complete transition outweighed by the costs and complexity?
• Why are many ticketing schemes adding “EMV-ABT” to accept open-loop contactless payments, but still using legacy CBT to manage their existing base of closed-loop transport fare products?
• What are the challenges in tokenising closed-loop CBT fare products to an operator account-based backend system? Will tokenised CBT products have different/reduced functionality? If so what and why?
• EMV-ABT saves top-up and issuing costs (but not acquiring or certification costs) and avoids managing funding sources but how does this help operators transition their own CBT products to account-based?
• How can public transport operators transition their customers from familiar card-based systems to new full account-based systems? What type of effective communication and education is required?
• EMV-ABT offers customers open payments in public transport without having to create an account with the PTO but creates a “first ride risk” for operators. How is this being managed today?

Viewpoint 1: Silvester Prakasam, Senior Advisor, Digital Mobility Solutions, MSI Global & Deputy Director Fare Systems, Land Transport Authority, Singapore [~20min]
Viewpoint 2: Desmond Chin, Chief Technology Officer, Touch ‘n Go [~20min]
Viewpoint 3: Speaker to be advised, East Japan Railway Company (JR East) [~20min]

Discussion: Realities of Account-based Transport Payments in Asia
EMV-ABT reducestop-up and issuing costs (and avoids funding source management) but adds acquiring and certification costs. It could be the ideal single-journey solution for visitors and occasional riders if it supported the unbanked. Customer accounts in full ABT platforms can support multiple fare media, funding sources, payment models (before, now, after), simultaneous products (PAYG, commuter pass, road tolling), and an operator relationship with the customer (data). But full ABT platforms require customers to manage their funding sources -so are they only for customers with smartphones? EMV or Full, can an ABT transition be successful if the original card-based ticketing platform is not already fully integrated and interoperable? Take-up of "EMV-ABT" in Asia seems slower than Europe/North America? Is that because Asian PTAs, PTOs, ticketing schemes see more benefits in moving to full account-based payments? Or is it because Asian operators are more cautious about EMV-ABT issues such as first ride risk? Or because they are concerned about losing revenue from float and issuing special edition cards? Or because they are increasingly more focused on accepting “local payment methods” such as server-based mobile e-wallets and real-time payments wallets?

Refreshments, Networking and Expo Viewing

Strategies for Improving Mobility Services
Integrated ticketing and inclusive payment systems that enable seamless multimodal public transport journeys are an important foundation for driving modal shift from private vehicles to public transport. This session explores supporting strategies and policies designed to improve public mobility services so that they are easier for customers to use, more accessible for all customers, have shorter journey times, are more attractive than private transport, have reduced costs for operators, and contribute to creating a cleaner and greener environment.

• What strategies have been used to encourage public transport operators to collaborate (even when they compete) to provide integrated ticketing that offers seamless multimodal travel for customers?
• How can transport authorities use open and inclusive payment systems to connect public mass transit with private shared mobility providers and enable end-to-end journeys for customers?
• What are the most effective solutions to the first mile/last mile challenge in public transport, that can enable door-to-door journeys, bring people closer to public transport and increase ridership?
• Effectively integrating urban transport fare payments with inter-city and regional public transport ticketing benefits customers and encourages modal shift. What are the challenges involved?
• How can net zero goals be incorporated into transport policy and mobility payments services to encourage customers to consider the environment and choose greener journey options?
• What role can transit-oriented development (TOD) play in attracting customers to shift from private to public transport services? How could TOD be integrated with mobility payments services?
• With growing smartphone usage in Asian markets how can mobile wallets and digital platforms provide mobility service applications that offer personalised, sustainable, and efficient mobility?

Viewpoint 1: Speaker to be advised [~20min]
Viewpoint 2: Speaker to be advised [~20min]
Viewpoint 3: Speaker to be advised [~20min]

Discussion: Driving Adoption and Usage of Public Transport
Asian markets, particularly in developing Asia, need to drive modal shift. More adoption and greater use of public transport, away from private transport, can improve social and economic connections, reduce congestion, and enable cleaner and greener environments. What approaches have been successful in integrating the ticketing/fare systems of independent (and competing) public transport and mobility services to provide customers with seamless multi-modal journeys? How can public mass transit AFC systems be integrated with the payment/booking systems of micro-mobility and shared mobility providers? How can the typically PAYG payments for urban mass transit be integrated with the usually ticket-based systems for inter-city and regional public transport? Should customers be incentivised to make personal transport choices that are aligned with environmental impacts (e.g. carbon emissions) to drive modal shift and net zero goals? What is the role of transit-oriented development in driving modal shift? How can public and private transport providers collaborate with digital platform stakeholders to offer mobility service apps that help customers make personalised, sustainable, and efficient mobility choices?

Close of day 1

Introduction to day two
A recap of day 1 discussions and introduction to day 2 conference sessions and objectives.
Greg Pote, Chairman, APSCA

Inclusive Fare Payments
Inclusivity for public transport fare payments not only means supporting all payment product solutions that are popular with customers in a market. Inclusive fare payments must also ensure that all customer demographics have easily available options to make their mobility payments according to their entitlements. Customers of all ages should be able to purchase a fare product, in any form factor, whether they are banked or unbanked, and be able to use it across all transport modes while accessing any concessions to which they are entitled.

• Closed-loop transport cards are inclusive, accessible to all customers and support concessions. They can also generate revenue for operators. What is the legacy fare media outlook in a digital payments world?
• With rapid mobile payments growth, how can PTAs, PTOs and ticketing schemes offer their own closedloop transport card fare products on mobile (without waiting for support from global Pays wallets)?
• EMV contactless offers a globally interoperable standard for accepting open-loop payments in transit. How can transport operators lower EMV implementation, certification and acquiring costs?
• Accepting third-party EMV contactless payments in transit excludes unbanked customers (and may not allow concessions). Could PTAs/PTOs issue their own inclusive EMV contactless fare products?
• Mobile payments adoption in Asia is driving acceptance of mobile QR code payments at gates/validators. Does this impact customer experience and throughput when using public transport systems?
• In terms of fare payment infrastructure for mass transit and small mobility providers, is easier and/or lower cost to implement acceptance of EMV contactless payments or mobile QR code payments?
• To integrate fare payments across mass transit and first/last mile mobility, is it easier and/or lower cost to implement acceptance of EMV contactless payments or mobile QR code payments?

Viewpoint 1: Speaker to be advised, NXP Semiconductors [~20min]
Viewpoint 2: Isaac Lee, Vice President, Payment Services BU - Indonesia, Korea, Thailand, IDEMIA [~20min]
Viewpoint 3: Speaker to be advised [~20min]

Refreshments, Networking and Expo Viewing

Improving Customer Convenience
Customers increasingly want to make fare payments using their smartphone. Where they are accepted, mobile EMV contactless payments in transit are growing faster than EMV contactless card payments. In some Asian markets, public transport operators are implementing QR code acceptance for smartphone transport payments. Despite the ongoing transition to mobile, PTAs, PTOs and ticketing schemes continue to face challenges in launching their own fare products on mobile, and some are exploring alternative approaches and technologies.

• There are millions of contactless transport cards issued around the world. What are the options for PTAs, PTOs, and ticketing schemes to offer these products to customers on their mobile devices?
• OEM-Pay mobile wallets support EMV contactless payments but only a few large closed-loop transport card brands. How can other operators overcome this obstacle for mobile transit ticketing?
• Might European (perhaps also U.S.) regulation for “fair and open digital markets” eventually enable Asian public transport operators to use NFC mobile transit ticketing more easily for their own fare products?
• What is the status of Bluetooth-based mobile ticketing initiatives to offer customers "walk-through" hands-free fare payments in public transport? What has been the response of customers so far?
• Could UWB mobile payments enable a more interoperable, standardised, and lower cost approach to touchless mobile transit ticketing? Would it support both operator and third-party fare payments?
• Whether using Bluetooth or UWB, do these BIBO touchless transit ticketing solutions make it easier for PTAs, PTOs, and ticketing schemes to launch mobile transit ticketing with their own fare products?

Viewpoint 1: Mitsushige Suzuki, Senior Manager, Business Development Secure Technology & Solutions, Sony [~20min]
Viewpoint 2: Sooyon Cho, Global Business Development Manager, Tmoney [~20min]
Viewpoint 3: Speaker to be advised [~20min]

Discussion: More Inclusive and Convenient Transport Payments
What is the best strategy for providing customers with inclusive and convenient ways to pay for their transport journeys? Operator-own fare products are inclusive and support concessions, but customers increasingly want digital payment options on their smartphones - which can leave operators at the mercy of mobile device manufacturers and OEM-pays? EMV contactless payments in transit, including mobile transit payments, have proven effective but how can this be expanded to customers who do not have (or do wish to use) financial payment cards? Mobile QR transit payments can enable public transport operators (and Asia’s many mobile e-wallets) to offer customers inclusive and convenient mobility payments. But how costly is it for PTAs, PTOs, and ticketing schemes to QR code acceptance at gates/validators, and does it reduce customer throughput when compared to NFC/contactless? New hands-free and touchless ticketing solutions could meet criteria for both inclusivity and convenience, and support both closed-loop and open-loop payments but are these solutions mature and ready for roll-out today? Which of the new and existing transport payment solutions will work across public mass transit, shared mobility, and first/last mile micro-mobility services?

Lunch

From Toll Gates to Multi Lane Free Flow (MLFF)
Asian markets are transitioning existing highway electronic toll collection (ETC) systems from gated toll plazas to multi-lane free flow (MLFF) systems. In comparison with legacy toll plazas, MLFF systems can eliminate queuing at toll gates, shorten travel times, decrease traffic congestion, reduce maintenance and operating costs, and reduce the costs of toll fee collection. MLFF tolling systems use various methods for vehicle identification typically linked to account-based payments. This session explores the latest developments.

• How does a transition from gated toll plazas to MLFF impact vehicle identification, charging and payment technologies? Do vehicle owners see increased or reduced fixed costs and tolling charges?
• What technologies are used to identify vehicles for payment in MLFF tolling systems? Can moving vehicles be reliably charged for road use? What happens when vehicle charging fails?
• What are the connectivity/communications requirements for MLFF systems to operate robust non-stop highway tolling systems? Can tolling payments be successfully made if internet connectivity is patchy?
• Does replacement of gated toll plazas by MLFF tolling systems lead to increased tolling fraud? How can revenue collection and tolling operators combat and prevent toll evasion and leakage?
• What are the most frequent challenges in implementing ETC projects that governments and their partners need to address? How can these challenges vary in different markets across Asia?
• Do highway tolling systems encourage drivers to change their driving habits and are the results in line with transport policy objectives? Is it possible to create modal shift towards public transport?

Viewpoint 1: Desmond Chin, Chief Technology Officer, Touch ‘n Go [~20min]
Viewpoint 2: Speaker to be advised, PT Roatex Indonesia Toll System (RITS) [~20min]
Viewpoint 3: Speaker to be advised [~20min]

Discussion: Road Tolling and Mobility Payments
What are the latest technology developments for multi-lane free-flow highway tolling and road charging systems? Are there different approaches to how revenue collection in MLFF road tolling systems is being implemented across Asian markets? As MLFF tolling is usually implemented using account-based payments will the transition to MLFF lead to integration of account-based payments systems for public transport ticketing and road charging systems? Should road charging be designed to encourage public transport ridership as well as managing traffic and congestion? Can integrated payments for transport ticketing and road charging provide seamless travel options for customers, for example in park-and-ride applications, encouraging modal shift? Could public transit fare structures, road tolling and parking fees be combined in mobility services to incentivise customers to consider their journey options and choose greener, cleaner, and safer travel options?

Refreshments, Networking and Expo Viewing

Roundtable discussion with transport and payments stakeholders
Moderated by MRT Jakarta and APSCA

The objective of this session and discussion is to generate recommendations for policies, strategies and best practices that can lead to the following desired outcomes:

1- Integrated and inclusive multimodal mobility payments in urban environments
2 - Interoperable transport payments for regional and inter-city public transport
3 - Options for integrating urban, inter-city and regional mobility payments

Moderators will lead discussions with stakeholders representing public transit authorities, transport operators and ticketing scheme in Indonesia, together with representatives of leading local and international payments services providers, to develop a roadmap that can lead to open and inclusive customer-centric payments for seamless journeys across all modes of public and private transport.

Targeted outcomes include efficient and convenient public transport options with increased modal share, improved sustainability, and excellent customer experience. Subject matter experts will provide guidance and share experience from mobility payments systems and their implementation in other markets. The session will also consider how the integration of inclusive and seamless mobility payments might potentially drive e-payments adoption and boost broader payment systems development.

Final remarks

End of MPAP2024