Transport Payments South Asia 2018





Overview and Objectives


Introduction to Transport Payments South Asia, theme for 2018, workshop and working group discussions, aims and objectives for the two days, what delegates will take away from the event.
Greg Pote, Chairman, APSCA


Government of India


Emerging Trends in Transport Payments in the Indian Context
The MoHUA is providing non-financial support to Transport Payments South Asia in recognition of its contribution to capacity building as a best practice and peer-learning network for public transport officials and city planners. In this keynote address the MoHUA discusses emerging trends in transport payments in India.
Shri Durga Shankar Mishra, Ministry of Housing and Urban Affairs, Government of India


Understanding Business Issues for EMV-based Ticketing


The half day workshop will explain operational and risk management considerations related to account-based and open-loop ticketing models for transport operators accepting, bank acquirers processing, and bank issuers supporting, contactless EMV payment cards and devices. Issues such as authorisation requirements, aggregation strategies, settlement processes and the sharing of first ride risk are not always well understood relative to the risks inherent in closed loop transit, such as negative balances and leakage. The workshop will explore new thinking about decision-making for granting access to transport systems in off-line scenarios and recovering losses from declined transport payments. The objective is that following the workshop delegates will be able to make informed business decisions about solutions which are proposed to solve their transport ticketing challenges, without being confused by technology.

Introduction & Management Basics
Definitions - card vs account based; closed vs open loop; driver assisted / known fares (purchase before) vs flat / variable fares (purchase later) vs pre-purchased fares (purchase before)
Models - card based closed and open loop; account based closed and open loop; hybrid models; UKCA initiative (purchase now/later/before); Visa/MasterCard models
List Management - using lists to decrease risk; white to allow, black and red to decline, orange to inform; green to approve; purple to protect
Risk Management - managing risk through use of lists, authorisation tactics, and ‘first ride risk’ agreements
Decline Management - how initial declines can be recovered through various reclaim processes
Discussions and Q&A




Open Loop & Alternative Models
Ticketing Evolution - coins, tokens, tickets, cards and mobiles - the unification of ticketing and payments
EMV Payments - chip payments, standards development, contactless EMV growth, and EMV tokenisation
Purchase Methods - off-vehicle / platform, driver assisted, conductor, tap on, tap on / tap off, mobile, revenue protection
Model Co-Existence & Migration - relative merits of open loop vs closed loop vs hybrid models, and whether these can co-exist, how new models can be implemented in parallel with existing models
Relative Costs - the reduction of capex and integration costs in favour of opex and service costs
Discussions and Q&A


For All Stakeholders - customers, transport operators, bank acquirers and bank issuers
Best Fares - ensuring the customer pays the best possible fare on the day
Capping - replacing daily, weekly and monthly tickets with simply caps
Aggregation - rules: how aggregation benefits customers and operators
Knowing Customers - how customer specific data can benefit operators
Interoperability - the ability to offer multi-operator / multi-model products - and share revenues fairly
Discussions and Q&A
Wrap-up and Summary

Workshop presenters:
Michael Walters, Independent Transport Payments Consultant
Dave Lunt, Head of Delivery, littlepay



Working Group

Initial Meeting


Working Group
The objective of the working group meeting is to collect and harmonize industry viewpoints to achieve consensus on implementing transport revenue management models that can support next-generation transport payments in India. This will be relevant for operators of all transport modes either launching new transport payments schemes or planning to migrate existing schemes in the future. Delegates that are representatives of transport ticketing stakeholders in India will present their viewpoints on best approaches to implementing transport payments in India. The presentations and following discussions will serve as a sounding board for further exploration of the business issues explained in the workshop. Viewpoints from all industry delegates will also be welcomed. The session will be the first step in establishing a working group to develop implementation strategies for transport ticketing in India.

Achieving consensus on implementation models for transport payments in India
Proponents of the following models for transport payments will be invited to make brief presentations and then lead working group discussions with stakeholders that are transport authorities, financial institutions and industry experts.

- Open-loop ticketing based on accepting bank-issued EMV contactless cards
- Closed-loop ticketing that also supports the development of smart city payments
- Account-based ticketing that allows use of different customer payment tokens
- Card-based ticketing that enables open payments without vendor lock-in
- Other models such as mobile-based ticketing that enable open payments

The objective will be to achieve consensus on implementation models that will help stakeholders to develop next-generation transport payments in India. The implementation models will need to achieve the long-term objectives of national common mobility, practical interoperability and most important - open payment systems that can drive transport cash transactions to digital payments.




Discussions: Practical strategies for EMV-based transport payments [~60min]
The challenge facing transport authorities and banks in India is now one of implementation. India has a long-term objective to adopt EMV-based open-loop ticketing nationwide as a basis for National Common Mobility, but the reality is that closed-loop, open-loop, account-based and card-based approaches to transport ticketing are likely to coexist in India for some time, particularly for existing schemes. The task for India's transport stakeholders is to decide the best implementation strategy to achieve this long-term objective based on transport payment models available today, appropriate risk management, effective fraud management, ticketing infrastructure and flexibility for of migrating to future ticketing models. All of this must be done while considering costs, available budgets and benefits to be delivered to customers
Manoj Sugathan, Visa
Matt Blanks, Mastercard
Nalin Bansal, NPCI
Andre Perchthaler, NXP Semiconductors
Prashant Rao, DMRC
Mick Spiers, Thales
Greg Pote, APSCA


Close of day one

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