© XMLdation 2013 XML Migration in practice in Global perspective Juha Keski-Nisula, CEO

© XMLdation 2013 XMLdation Company XMLdation =XML & Validation Finnish company, established 2009 – Offices in: Helsinki and Tampere – Representation in Brussels Mission: We support XML migration process and STP development especially in corporate-to-bank and bank-to-corporate communication

© XMLdation 2013 XMLdation Innovation

© XMLdation 2013 XMLdation Service Planning Implementation TIME Testing saves 90% of time and money in testing phase quality assurance reduce project risk Problems Laborious testing to do manually Time consuming process

© XMLdation 2013 XMLdation Service XMLdation Customers Country Specific

© XMLdation 2013 ISO XML Is The Global Trend How to speedup ? Cooperation Understanding possibilities

© XMLdation 2013 – Bank of America Merrill Lynch – Barclays – BBVA – BNP Paribas – BSK, Bankenes Standardiseringskontor – Citibank – Commerzbank AG – Danish Bankers Association – Danske Bank – Deutsche Bank – DnB NOR – HSBC – ING Bank – J.P.Morgan – Nordea Bank – Payments Council (UK) – Raiffeisen Bank International – Royal Bank of Scotland – Santander – SEB – Standard Chartered Bank – Sydbank A/S – UniCredit Bank Financial Institution Members In total 35 FI members (Contributing & Observers) 7 Common Global Implementation (CGI) initiative

© XMLdation 2013 – AITI – BBP – Bottomline Technologies – CBI Consortium – Exalog – Fiserv – Flux – General Electric – GXS – IKEA – Nasarius – Netilys Consulting – Nets – OpusCapita – PwC – SAP AG – Siemens – SIX Interbank Clearing – Sungard – SWIFT – TIS – Traxpay – UTSIT – Visma Software International AS – XMLdation – Zanders Non-Financial Institution Members In total 47 Non-FI members (Contributing & Observers) 8 Common Global Implementation (CGI) initiative

© XMLdation 2013 XML Migration from Global Perspective Banks are global and their most important customers are global – Modern ERPs can be used around the world – Its more cost efficient for Corporates to support one standards instead ”country standards” But there are always exceptions because there have to be room for completion and new services – Even SEPA include country and bank specific “ flavours” Manage this information is our Business Harvesting number of standards banks, corporates and ERP-vendors reach significant cost savings

© XMLdation 2013

Global ISO20022 XML Opens Doors for Innovation Order to Cash and Purchase for payment Information can be transformed and reused – Interoperability enables several possibilities E.g. Payment includes same elements than account statements This creates Realtime economy 50% cut off for costs – Automated Financial Administration Information to tax authorizes – Automatically processed account statements account codes in Einvoices to process automatically account statements – Realtime VAT calculation – Realtime Cash Forecasting and working capital report – and lots of other benefits

© XMLdation 2013 Thank You Q&A ?