E-Invoicing Benefits for involved parties 1Confidential. All
rights reserved. Halcom d.d.
Slide 2
Why E-Invoices? Electronic invoicing, an automated way for
suppliers and buyers to send, process, and collect invoices,
reduces the cost per invoice between 70% to 75%. EC research
identified the average processing cost of a paper invoice across
Europe to be approximately 30, meaning a cost reduction of min. 21
per invoice can be achieved. (Source: SEPA: potential benefits at
stake Capgemini research, 2011) 2 Confidential. All rights
reserved. Halcom d.d.
Slide 3
Bill payment in Serbia today Association of Serbian banks, 2012
Serbia - over 12 million invoices issued monthly for: Telekom
services approx. 5,5-6 million invoices per month Energy services 3
million invoices per month Utilities - 2 million invoices per month
Insurance (car ins., life ins.) Settlement methods for issued
invoices: Standing order < 2% E-banking 5-6% Cash at Post Office
or Bank counter > 90+% Confidential. All rights reserved. Halcom
d.d.3
Slide 4
4 Benefits for Invoice Issuers (B2C, B2B) improved efficiencies
fewer mistakes, automatic reconciliation, more invoices paid on
time, shorter invoice processing times reduced customer complaints
call volumes from e-invoice adopters lower than from paper invoice
users increased control & cash managment ability to optimize
cash flow delivery report reduced costs of invoice delivery
eliminate paper, printing, packaging, postal services, delay, no
lost mail, no paper archiving (once the legal framework is set)
Confidential. All rights reserved. Halcom d.d.
Slide 5
5 Benefits for Invoice Recipient (B2B) reduced costs no manual
sorting, no scanning, no data entry, fewer mistakes, shorter
invoice processing times eliminating billing errors billing errors
(estimated at 1- 5% of spend), eliminate duplicate invoices gain
internal processes efficiency invoice approval and payment automate
administrative processes archived e-documents easily accessible
improved cash flow Confidential. All rights reserved. Halcom
d.d.
Slide 6
6 Benefits for Consumers (B2C) from invoice to payment with a
single click fast and easy, no manual data entry, no errors e-bills
can be paid anywhere & anytime home, office, on the street,
abroad even after banks working hours with mobile payments and
portal even for non e-bank users DD with confirmation as simple as
DD but with more control better overview of e-bills archived
electronic documents easy to find, sort and group Confidential. All
rights reserved. Halcom d.d.
Slide 7
Why banking channels? Benefits for the banks 7Confidential. All
rights reserved. Halcom d.d.
Slide 8
8 E-Invoices in E-Banking Client Network every corporation and
most adults have at least one bank account unique mail address for
identification of counterparties (IBAN) > 98% of companies are
rather small (produce 60% of invoices) cannot afford to accommodate
a variety of standards cannot afford to support connectivity to
numerous counterparties cannot afford to make large investments
into accounting/ERP systems can only be brought in via E-Banks
waiting for banks to provide the simplest tools and interfaces
Confidential. All rights reserved. Halcom d.d.
Slide 9
Leveraging existing assets 9Confidential. All rights reserved.
Halcom d.d.
Slide 10
10 Strong reliable brand Existing corporate and retail clients
Trusted Network Leverage existing e-bank infrastructure gathers
corporate (STP) and retail users safe and reliable infrastructure
no spam, no viruses Security Leverage existing e-bank
authentication and authorisation methods Leverage encryption and
digital signature already embedded in e-banking Software needed
familiar e-banking tools upgraded with e-invoices average use of
E-Bank (3 times per day) - corporations Confidential. All rights
reserved. Halcom d.d. Prerequisites 1/2
Slide 11
11 Billing presentment linked to bill payment E-invoices
payments within E-bank one click from E-Invoice to the payment
Other success factors Short time-to-market Most cost-efficient
approach Confidential. All rights reserved. Halcom d.d.
Prerequisites 2/2
Slide 12
Stakeholders and process overview 12Confidential. All rights
reserved. Halcom d.d.
Slide 13
How does it work? 13 Bank DC Bank DC Bank DC Corporates
Consumers DOS- TAVA PRI- JAVA DOS- TAVA 21 banks E-invoice WEB
portal PRI- JAVA DOS- TAVA E-Bank user E-invoice portal user
Confidential. All rights reserved. Halcom d.d.
Slide 14
E-Invoices issuing and receiving options Automated issuing and
receiving through existing banking channels 14 Confidential. All
rights reserved. Halcom d.d.
Slide 15
15 E-Invoice issuing and receiving for large companies
Accounting Application / ERP Commercial bank Corporate
Confidential. All rights reserved. Halcom d.d. Commercial bank
Corporate/B2B Accounting Application / ERP B2B
Slide 16
16 E-Invoice issuing and receiving for SMEs Confidential. All
rights reserved. Halcom d.d.
Slide 17
Copyright Halcom 17 E-banking DD, e-bank, mobile E-Invoice WEB
portal DD, mobile Consumers Receiving and paying invoices
Slide 18
18 E-Invoice portal & mobile payments E-Invoices for non
e-bank users Confidential. All rights reserved. Halcom d.d.
Slide 19
E-Invoicing in Serbia Technical overview 19 Confidential. All
rights reserved. Halcom d.d.
Slide 20
System architecture Complete system overview 20 Confidential.
All rights reserved. Halcom d.d.
Slide 21
Implementation Requirements 21 Confidential. All rights
reserved. Halcom d.d.
Slide 22
Implementation requirements No additional development for banks
B2B issuers, recipients (Hal E-Bank) via Hal E-Bank/Personal,
Corporate B2C recipients (Hal E-Bank) via Hal E-Bank/Web B2C
recipients (non E-Bank) via Hal M-Payments/Portal Development on
banks side needed for B2C recipients (non Hal E-Bank) using
existing Retail E-Bank solution 22 Confidential. All rights
reserved. Halcom d.d.
Slide 23
E-Invoice issuing options 23 Small Issuer e.g. Holcim Medium
Issuer e.g. Diners Club Large issuer e.g. EDB, SBB Manual
preparation within Hal E-Bank Manual import/export using Hal
E-Bank/Personal, Corporate Automated distribution via Hal
E-Bank/B2B Automated import/sending receiving/export Hal
E-Invoices/Issuer (converting existing flat or XML file to
E-Invoice) Confidential. All rights reserved. Halcom d.d.
Slide 24
Implementation requirements B2B Issuers via Hal E-Bank 24 Bank
Installing new version of Hal E-Bank/Admin Adding new permissions
to clients (server script performed by Halcom) Providing new
version of Hal E-Bank/Personal, Corporate E-Invoice subscription
management Issuers Installing new version of Hal E-Bank/Personal,
Corporate, B2B E-Invoice preparation based on issuer's size Halcom
Providing support for Hal E-Bank users Providing support at
generating syntactically correct XMLs (validation, technical
advices, Hal E-Bank installations) Mutual testing with the bank and
issuers Confidential. All rights reserved. Halcom d.d.
Slide 25
Implementation requirements B2B Recipients via Hal E-Bank 25
Bank Adding new permissions to clients (can be done via server
script) Recipients Installing new version of Hal E-Bank/Personal,
Corporate, B2B Subscribing to E-Invoices Issuers E-Subscription
handling support Confidential. All rights reserved. Halcom
d.d.
Slide 26
B2C recipients - Retail Gateway (non Hal E-Bank) 26 Bank
Providing WebService for routing (eInvoice Recipient) Connectivity
to data retrieving WebServices (RetailGateway) Connectivity to
subscription WebServices (IssuerReg, SubscriptReg) Recipients
Subscribing to E-Invoices Halcom Providing support for integration
with bank infrastructure Mutual testing with the bank and issuers
or recipients Confidential. All rights reserved. Halcom d.d.
Slide 27
B2C recipients Hal M-Payments/Portal 27 Bank Providing
WebService for online payments (mpayments-bank) Recipients
Subscribing to Portal Halcom Halcom provides Portal Confidential.
All rights reserved. Halcom d.d.
Slide 28
B2C recipients (non Hal E-Bank) Retail Gateway WebServices 28
Confidential. All rights reserved. Halcom d.d.
Slide 29
Getting the correct XML Invoice 29 Confidential. All rights
reserved. Halcom d.d.
Slide 30
Best practices from Slovenia Halcom will provide: E-invoice
specifications based on ISO 20022 Documentation for Issuers XSD
schemes for all documents supported Standalone validation software
for XML files (using XSD schemes) Technical support for banks and
issuers 30 Confidential. All rights reserved. Halcom d.d.
Slide 31
Simplifying E-Invoice issuing 31 Confidential. All rights
reserved. Halcom d.d.
Slide 32
Simplifying integration for issuers Halcom provides: Converters
for Hal E-Bank Hal E-Issuer 32 Confidential. All rights reserved.
Halcom d.d.
Slide 33
Converters for Hal E-Bank Standard converters for Importing ISO
XML E-Invoice without envelope Special converters for existing
Mpayment issuers 33 Confidential. All rights reserved. Halcom
d.d.
Slide 34
Hal E-Issuer Infrastructure for mass E-Invoice issuing Server
based infrastructure for complete E-Invoice generation: Creating
envelopes Creating E-Invoices Creating / Adding PDF (optional)
Signing (using HSM module) High speed Several certificates possible
Multiple output directions (E-Bank, E-Archive, email, ) 34
Confidential. All rights reserved. Halcom d.d.
Slide 35
Hal E-Issuer 35 Confidential. All rights reserved. Halcom
d.d.
Slide 36
How does it work? Simple archiving >> without paper
Copyright Halcom 36 E-banni kanal Issuer ERP E-bank for companies
ERP