Integrasi strategis orkestrasi pembayaran untuk platform perangkat lunak guna memaksimalkan aliran pendapatan

Integrasi strategis orkestrasi pembayaran untuk platform perangkat lunak guna memaksimalkan aliran pendapatan

Stempel Waktu: 25 Januari 2024 4
Node Sumber: 3084732

Dalam lingkungan bisnis modern yang dinamis, kunci kesuksesan terletak pada kemampuan beradaptasi solusi perangkat lunak. Meningkatnya permintaan akan fitur pembayaran terintegrasi memberikan peluang yang menguntungkan bagi perusahaan perangkat lunak untuk membuka jalan bagi peningkatan profitabilitas. 

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. 

Permata tersembunyi – Membuka potensi melalui orkestrasi pembayaran 

Orkestrasi pembayaran telah luput dari perhatian sebagai cara nomor satu bagi bisnis untuk meningkatkan pendapatan mereka dengan mengoptimalkan proses pembayaran mereka.

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.

Hal ini memecahkan tantangan yang dihadapi sebagian besar bisnis ketika meningkatkan proses pembayaran, utang teknis. Bisnis yang menggunakan dua hingga tiga gateway pembayaran meningkatkan biaya overhead mereka karena harus menyewa tim pengembang fintech khusus.

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.

Dan faktor besar dalam semua ini adalah bahwa bisnis juga dilindungi oleh failover dan redundansi bawaan – yaitu transaksi yang gagal dialihkan ke bank cadangan.

Di balik keputusan tersebut: Mengapa platform perangkat lunak menjual pembayaran

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.

Kolaborasi dengan mitra spesialis = Peningkatan hasil 

Agar platform perangkat lunak dapat memanfaatkan manfaat yang menguntungkan ini, ada dua cara yang dapat mereka ambil: menjadi Penyedia Layanan Pembayaran (PSP) sendiri atau bermitra dengan platform orkestrasi pembayaran global.

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.

Ingin menawarkan SEPA kepada pelanggan Anda hanya di Jerman? Selesai. Lebih suka aturan penipuan yang lebih ketat pada pembaruan perangkat lunak baru Anda di Prancis? Platform orkestrasi pembayaran dapat mewujudkannya. Hanya ingin menyematkan pembayaran di pasar Anda saat ini sebelum melakukan ekspansi? Tidak masalah.

Fleksibilitas seperti inilah yang menyebabkan 89% pemimpin perangkat lunak memilih bekerja sama dengan pakar pembayaran daripada menjadi fasilitator pembayaran terdaftar atau PSP.

Menavigasi ROI: Ini bukan hanya tentang memangkas pengeluaran

Berinvestasi pada teknologi baru sering kali dianggap sebagai pengeluaran yang signifikan bagi bisnis. Namun, laba atas investasi (ROI) sebenarnya lebih dari sekedar pemotongan biaya. 

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. 

Orkestrasi pembayaran mencentang semua kotak. Munculnya platform perangkat lunak yang spesifik pada sektor ini menggarisbawahi alasan mengapa baik entitas mapan maupun pendatang baru beralih ke orkestrasi pembayaran sebagai cara strategis untuk tetap kompetitif dan tetap menjadi yang terdepan.

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Lebih dari Fintextra