Payment
Supporting value creation in response to the advancement of payments and the changing competitive landscape.
The payment industry is rapidly changing due to the advancement of cashless payments and the diversification of payment methods.
While new services are expanding and collaborations with financial services are progressing, securing profitability is also a crucial challenge, given the intensifying competition and rising customer acquisition costs.
Atlas Technologies leverages its practical experience and project execution capabilities cultivated in the payment field to provide comprehensive support from conception to implementation for themes such as service planning, business process reform, system implementation, and security measures.
By immersing ourselves in the field and seeing projects through to completion, we realize growth and transformation in the payment business.
Key Issues
Issues
-
Sophisticated Payment Schemes and Profitability
With the expansion of cashless payments, payment schemes are becoming more complex. Designing schemes that ensure sustainable profitability, including optimizing fee structures and costs, is essential.
-
Expanding Merchant and Customer Touchpoints and Establishing a Competitive Advantage
The diversification of payment methods is intensifying competition for merchant acquisition and customer touchpoints. Service design that includes added value, beyond simply providing payment, is crucial.
-
Sophisticated and Efficient Payment Operations
With the increase in transaction volume and diversification of services, operations are becoming more complex. Business design and process improvements that balance stable operation and efficiency are required.
-
Enhanced Fraud Prevention and Security
With the digitalization of payments, addressing fraudulent use and cyber risks is essential. Building a security design and operational system that balances convenience and safety is required.
-
Payment System Renewal and Scalability
With service expansion and increased external integration, the limitations of existing systems are increasingly becoming bottlenecks. A redesign of the system infrastructure with a view to the future, along with ensuring flexibility, is required.
プロジェクト事例
Cases
-
大手Fintech企業
Fintech業界におけるAI成熟度調査・ホワイトペーパー作成
シンガポールのフィンテック業界におけるAI活用成熟度や、自律型AIの導入動向に関する調査・情報発信を推進していた同社。現地フィンテック業界団体との連携のもと、フィンテック企業の幹部層を対象とした定性・定量調査を一貫して実施。ROI測定やガバナンス対応、自律型AIの導入シナリオ等をまとめたホワイトペーパーを作成。高度なリサーチノウハウを活用し、業界におけるソートリーダーシップ確立に貢献。
-
大手金融機関
システムリスク・サイバーセキュリティ管理態勢整備支援
金融庁のサイバーセキュリティガイドライン公表を受け、管理態勢の抜本的な整理・強化が求められていた同社。現状のシステムリスク評価とガイドラインとのGAP分析を実施し、中長期的な改善計画を策定、規程類の整備・統廃合をはじめ、実効性の高いシステムリスク管理態勢、サイバーセキュリティ管理態勢の構築に貢献。
-
大手クレジットカード会社
加盟店決済システム構築におけるPMO・業務およびシステム構築支援
加盟店管理（アクワイアリング）事業立ち上げを推進していた同社。当社はシステム要件定義、業務設計、国際ブランド対応、国際セキュリティ基準（PCI DSS）までを幅広く支援。システム面・業務面を一気通貫で伴走支援することで、プロジェクトの確実な推進に貢献。また事業開始直後についても当社が継続して支援することで、安定かつ円滑なシステム運営ならびに業務推進に貢献。