{"id":4587,"date":"2014-02-27T10:16:29","date_gmt":"2014-02-27T09:16:29","guid":{"rendered":"https:\/\/payconiq.lu\/?p=4587"},"modified":"2018-12-05T10:53:10","modified_gmt":"2018-12-05T09:53:10","slug":"dossier-lintegration-de-digicash-par-les-banques-le-retour-dexperience-des-banques-luxembourgeoises","status":"publish","type":"post","link":"https:\/\/payconiq.lu\/fr\/news\/dossier-lintegration-de-digicash-par-les-banques-le-retour-dexperience-des-banques-luxembourgeoises\/","title":{"rendered":"Dossier | L&rsquo;int\u00e9gration de DIGICASH par les banques &#8211; le retour d\u2019exp\u00e9rience des banques luxembourgeoises"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\"  style='background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;padding-right:30px;padding-bottom:85px;padding-left:30px;'><div class=\"fusion-builder-row fusion-row \"><div  class=\"fusion-layout-column fusion_builder_column fusion_builder_column_1_1 fusion-builder-column-1 fusion-one-full fusion-column-first fusion-column-last 1_1\"  style='margin-top:0px;margin-bottom:0px;'>\n\t\t\t\t\t<div class=\"fusion-column-wrapper\" style=\"padding: 0px 0px 0px 0px;background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;\"   data-bg-url=\"\">\n\t\t\t\t\t\t<div class=\"fusion-text\"><p><strong>Trois banques au Luxembourg ont aujourd\u2019hui fait le choix d\u2019impl\u00e9menter la solution de paiement mobile DIGICASH pour la proposer \u00e0 leurs clients locaux\u00a0: BCEE (novembre 2012), POST Luxembourg (ao\u00fbt 2013) et BIL (mars 2014). Pour ce faire, chaque banque a d\u00fb int\u00e9grer la solution \u00e0 sa propre infrastructure, qu\u2019elle ait fait appel \u00e0 un prestataire externe (int\u00e9grateur) ou bien proc\u00e9d\u00e9 \u00e0 l\u2019aide de ressources internes. Au-del\u00e0 de l\u2019attractivit\u00e9 du produit, la solution a su convaincre d\u2019un point de vue technique, toutes s\u2019accordant \u00e0 souligner sa grande facilit\u00e9 d\u2019int\u00e9gration. T\u00e9moignages.<\/strong><\/p>\n<p>La solution DIGICASH a \u00e9t\u00e9 sp\u00e9cifiquement con\u00e7ue par Payconiq International S.A. pour s\u2019int\u00e9grer naturellement et efficacement aux environnements des banques retail. L\u2019offre de DIGICASH int\u00e8gre <strong>une plate-forme centrale coupl\u00e9e \u00e0 des applications pour smartphones iOS et Android<\/strong>, pour g\u00e9rer l\u2019\u00e9mission des instruments de paiement des banques partenaires. La plate-forme int\u00e8gre ainsi des logiques et connecteurs qui permettent aux banques \u00e9mettrices des applications DIGICASH de s\u2019interfacer avec l\u2019infrastructure par l\u2019usage de m\u00e9thodes, logiques et protocoles existants ou dont l\u2019int\u00e9gration est ais\u00e9e.<\/p>\n<p>\u201c<em>Facilit\u00e9 d\u2019int\u00e9gration<\/em>\u201d, c\u2019est ainsi le constat unanime \u00e9mis par les trois premi\u00e8res banques luxembourgeoises ayant d\u00e9j\u00e0 adopt\u00e9 la solution de paiement mobile DIGICASH. Comme le souligne Julien Chaumont, Project Delivery Manager \u00e0 la BIL, \u201c<em>ses principaux avantages tiennent \u00e0 <strong>un interfa\u00e7age minimal et l\u2019utilisation de composants con\u00e7us selon les standards du march\u00e9<\/strong><\/em>\u201d. En effet, un soin particulier a \u00e9t\u00e9 apport\u00e9 par Payconiq International \u00e0 d\u00e9velopper des composants et interfaces <strong>simples, modernes et g\u00e9n\u00e9riques <\/strong>en vue d\u2019une int\u00e9gration toute en souplesse avec les infrastructures bancaires.<\/p>\n<p>Une simplicit\u00e9 \u00e9galement \u00e9voqu\u00e9e par Jacques P\u00fctz, Chef adjoint de la division D\u00e9veloppement Electronic Banking \u00e0 la BCEE, qui confie que \u201c<strong><em>le principe du \u00ab keep it simple \u00bb<\/em><\/strong><em> caract\u00e9rise non seulement la conception du volet Apps du syst\u00e8me de paiement DIGICASH, mais \u00e9galement ses possibilit\u00e9s d\u2019interfa\u00e7ages mises \u00e0 disposition des banques partenaires<\/em>\u201d.<\/p>\n<p>L\u2019int\u00e9gration d\u2019une nouvelle solution de paiement aux infrastructures bancaires est une source de challenges que les banques ont semble-t-il relev\u00e9s avec une relative s\u00e9r\u00e9nit\u00e9 gr\u00e2ce aux outils et sp\u00e9cifications fournies par DIGICASH. Pour Marc Roth du Service Informatique &#8211; D\u00e9veloppement bancaire de POST Finance, \u201c<em>l\u2019un de nos principaux challenges concernait la contrainte de disponibilit\u00e9 24h\/24 qu\u2019un tel syst\u00e8me de paiement demande au syst\u00e8me bancaire. Dans ce cas, DIGICASH nous a permis de limiter l\u2019impact de nos downtimes pour mises en production en mettant \u00e0 disposition <strong>un mode d\u2019autorisation \u2018offline\u2019 comme il en existe de similaires dans le monde des autorisations cartes<\/strong><\/em><strong>\u201d.<\/strong> De plus, \u201c<em>l\u2019int\u00e9gration de DIGICASH posait \u00e9galement la question des annulations d\u2019op\u00e9rations potentiellement complexes dans le monde des paiements interbancaires. Ici aussi, DIGICASH a simplifi\u00e9 les traitements en permettant <strong>une logique de fonctionnement sans annulation et en assurant de son c\u00f4t\u00e9 le traitement des anomalies dans la relation DIGICASH-Commer\u00e7ant<\/strong><\/em>\u201d.<\/p>\n<p>C\u00f4t\u00e9 pratique, les banques ont pu faire le choix de recourir \u00e0 des ressources internes ou externes pour l\u2019impl\u00e9mentation de DIGICASH \u00e0 leur infrastructure. Quel que soit le mode de fonctionnement, la collaboration avec les \u00e9quipes de DIGICASH a \u00e9t\u00e9 particuli\u00e8rement efficace. Du c\u00f4t\u00e9 de la BCEE dont \u201c<em>les canaux de communication entre la banque et les diff\u00e9rents partenaires sont g\u00e9r\u00e9s exclusivement par des ressources internes<\/em>\u201d, Jacques P\u00fctz nous explique que \u201c<em><strong>les sp\u00e9cialistes de DIGICASH ont \u00e9t\u00e9 tr\u00e8s r\u00e9actifs ce qui a permis de relever le d\u00e9fi de r\u00e9aliser le projet dans un d\u00e9lai tr\u00e8s court<\/strong><\/em><strong>\u201d. <\/strong>Julien Chaumont partage \u00e9galement cette opinion et pr\u00e9cise que \u201c<strong><em>la mise \u00e0 disposition d\u2019une documentation pr\u00e9cise et d\u00e9taill\u00e9e<\/em><\/strong><em> pour l\u2019ensemble des composants a permis de faciliter la compr\u00e9hension et l\u2019appropriation par chacun des intervenants<\/em>\u201d.<\/p>\n<p>Du c\u00f4t\u00e9 de POST Finance, l\u2019interfa\u00e7age logique de DIGICASH a \u00e9t\u00e9 r\u00e9alis\u00e9 par le fournisseur usuel de l\u2019\u00e9tablissement, SOPRA Banking Software. Dans ce contexte, Marc Roth pr\u00e9cise que \u201cla collaboration avec DIGICASH a \u00e9t\u00e9<strong> productive, fluide avec des interlocuteurs clairement identifi\u00e9s et disponibles.<\/strong> La r\u00e9alisation a \u00e9t\u00e9 rapide et simple du fait de la disponibilit\u00e9 de personnes de contact comp\u00e9tentes et polyvalentes.\u201d<\/p>\n<p>Une chose est s\u00fbre pour M. Roth, \u201cl\u2019exp\u00e9rience de DIGICASH sur des projets d\u2019int\u00e9gration avec d\u2019autres partenaires a permis de rapidement avoir <strong>une id\u00e9e claire des best-practices et probl\u00e8mes \u00e0 \u00e9viter<\/strong>\u201d. En effet, suite \u00e0 l\u2019int\u00e9gration r\u00e9ussie de la solution au sein des infrastructures des diff\u00e9rentes banques luxembourgeoises, DIGICASH b\u00e9n\u00e9ficie aujourd\u2019hui d\u2019un savoir-faire certain qui facilitera \u00e0 l\u2019avenir tout nouveau projet d\u2019int\u00e9gration.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":6,"featured_media":4588,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dossier | L&#039;int\u00e9gration de DIGICASH par les banques - le retour d\u2019exp\u00e9rience des banques luxembourgeoises - Payconiq<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payconiq.lu\/fr\/news\/dossier-lintegration-de-digicash-par-les-banques-le-retour-dexperience-des-banques-luxembourgeoises\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dossier | L&#039;int\u00e9gration de DIGICASH par les banques - 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