Tarkvaraplatvormide maksekorralduse strateegiline integreerimine tuluvoogude maksimeerimiseks

Tarkvaraplatvormide maksekorralduse strateegiline integreerimine tuluvoogude maksimeerimiseks

Ajatempel: 25. jaanuar 2024 4:12
Allikasõlm: 3084732

Kaasaegse äritegevuse dünaamilises keskkonnas peitub edu võti tarkvaralahenduste kohanemisvõimes. Kasvav nõudlus integreeritud maksefunktsioonide järele annab tarkvarafirmadele tulusa võimaluse sillutada teed kõrgendatud kasumlikkusele. 

However, becoming a Payment Service Provider (PSP) requires navigating complex financial regulations and undergoing a comprehensive overhaul of business processes. The process is not only prolonged and financially demanding but also subjects software platforms
to the same rigorous scrutiny as banks.  

Payment orchestration – a cutting edge technology – allows software platforms to activate and deactivate different payment functions on demand. This includes tailor-made adjustments by country, product, issuer, and beyond. This provides a strategic advantage
for software platforms and circumvents the high costs associated with maintaining multiple payment integrations. 

Peidetud pärl – potentsiaali vabastamine maksekorralduse kaudu 

Maksete korraldamine on luubi alla jäänud kui ettevõtete jaoks number üks viis oma tulude suurendamiseks makseprotsesse optimeerides.

To put this simply, picture an orchestra. Much like the many musicians playing a specific instrument, each company will have a payment provider carrying out different parts of the payment process. The same way a conductor brings an orchestra together, a
payment orchestration platform consolidates all the payment use cases, capabilities and geographies into a single platform.

See lahendab väljakutse, millega enamik ettevõtteid oma makseprotsessi tasandamisel silmitsi seisab, tehniline võlg. Ettevõtted, mis kasutavad kahte kuni kolme makselüüsi, suurendavad oma üldkulusid, kuna peavad palkama spetsialiseerunud fintech-arendajate meeskonna.

By consolidating all the payment needs under one hood, businesses have more control over their payment stack. They also have the flexibility to customise their payments process to reduce inefficiencies. By routing transactions through a global network of
banks, businesses can drive down cross-border fees, foreign exchange rates and increase authorisation rates.

Ja selle kõige juures on suur tegur see, et ettevõtteid kaitseb ka sisseehitatud tõrkevahetus ja koondamine – kus ebaõnnestunud tehingud suunatakse ümber varupankadesse.

Otsuse taga: miks tarkvaraplatvormid makseid müüvad

Nearly half of software platforms (48%) are outperforming their rivals by turning to one of the use cases of payment orchestration – embedded payments. This is where non-financial companies like software platforms integrate and embed payments into their
product. And the trend has exploded in popularity for two reasons: demand and diversification.

Since businesses are becoming increasingly married to their software, there’s a demand for everything from CRM to payments to happen under one hood. It’s why we’ve seen SaaS platforms like Toast and Shopify see the success they have. Businesses using these
platforms don’t need to switch between different platforms or start a whole new business implementation – that ease of use and integrated data is what’s driving this tipping point.

For software platforms themselves, it’s about the diversification element. With the software industry becoming crowded, many are using payments as a way to diversify from subscription fees and add-on services. Rather than solely generating revenue from software
subscriptions, these platforms now monetize each transaction – earning a slice of every payment facilitated through their software.

There’s a very tangible Return on Investment (ROI) too. SaaS firms can see up to a 5x increase in value per client by embedding payments into their core product. This is why platforms like Shopify have seen tremendous growth. By embedding payments they’re
able to create mutual incentive for them and the businesses they serve – shared profit. This is a win-win as customer businesses can drive a higher volume of transactions, and improve loyalty, while their end users benefit from a seamless payment experience.

Koostöö spetsialistiga = paremad tulemused 

Et tarkvaraplatvormid saaksid neid tulusaid eeliseid kasutada, on neil kaks võimalust: hakata ise makseteenuse pakkujaks (PSP) või partneriks ülemaailmse maksekorraldusplatvormiga.

It’s a lengthy and costly process to become a PSP, with over half of platforms citing that it took them longer than a year. Not only this, but there’s a higher risk of technical debt if you’re a global platform, and need massive compliance requirements to
help with underwriting and risk processes.

Since payment orchestration reduces the strain on resources and financial risk, forward-thinking firms prefer to turn to the experts. And, because it’s not a “one size fits all” approach, software companies can tailor their payments infrastructure to their
business – depending on their global markets, product, issuer and more.

Kas soovite pakkuda SEPA-d oma klientidele ainult Saksamaal? Valmis. Kas eelistate Prantsusmaal oma uue tarkvarauuenduse puhul rangemaid pettuseeskirju? Maksekorraldusplatvorm võib selle teoks teha. Kas soovite enne laienemist maksed oma olemasolevale turule manustada? Pole probleemi.

Just selline paindlikkus on ajendanud 89% tarkvarajuhtidest tegema koostööd makseeksperdiga, selle asemel, et hakata registreeritud maksekorraldajaks või makseteenuse pakkujaks.

ROI-ga navigeerimine: see ei puuduta ainult kulude kärpimist

Uude tehnoloogiasse investeerimist peetakse ettevõtete jaoks sageli oluliseks kuluks. Tõeline investeeringutasuvus (ROI) ulatub aga pelgalt kulude kärpimisest kaugemale. 

When evaluating the shift from old technology to new, it’s crucial for businesses to assess whether it enhances operational efficiency, opens up new or improves existing revenue streams, and aids compliance with evolving regulations. These factors are pivotal
in determining whether a new technology investment will yield a positive ROI. 

Makse orkestreerimine märgib kõik ruudud. Sektorispetsiifiliste tarkvaraplatvormide kasv rõhutab, miks nii väljakujunenud üksused kui ka uued tulijad kasutavad maksekorraldust kui strateegilist vahendit konkurentsis püsimiseks, jäädes samas kõverast ees.

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