SBB Magazine / February 2020

Event
customers, which will allow customers to pay
received invoices with just two clicks of a mouse
and without entering all the invoice data into
the transfer form. This functionality works in the
OTP eBIZ platform when a customer receives an
invoice in their Invoice Inbox, allowing them,
with just two clicks of their mouse: (1) accept
the invoice and (2) pay it (see Pic.3), which is
essential for SME customers for two reasons. The
first is, of course, time-saving and automation of
customers’ back-office activities. And the second
is a psychological one: nobody likes to pay
invoices, so the faster the process, the better.
Ideally, it should be seamless for the customer.
Charlie-India is currently testing communication
between OTP Bank’s platform and the platforms
of other Hungarian banks (See Image 4). Banks
are not integrated with each other, and they
communicate invoice data via a secured email
protocol and a standardized invoice data
structure. Invoices sent and received this way
can be processed automatically and paid with
just two clicks of a mouse.
Also, Charlie-India is working on adding to
that ecosystem not only banks but also ERP
companies, e-invoicing companies, and large
invoice issuers and enterprise customers (such
as service providers, etc. because they can also
benefit from automating the invoicing process).
The idea is to send invoices via banks as service
providers, and when you have invoice content
in a bank as an invoice platform, people will
use it. And the more users, the more payments
will be made, and this is where the banks can
earn: processing the payments and cross-selling
additional financial products based on invoice
data (overdrafts, invoice financing, factoring,
etc.).
In November 2019, Charlie-India began
providing the opportunity to participate in a
real-life simulation in order to show banks what
it is like to be able to work with fully accessible
digital invoice data and how the bank can
use it if all invoice data is available digitally.
The simulation aims to demonstrate that the
existing payment ecosystem can be extended
and connected to invoice data exchange.
All interested banks are invited to join the
simulation.
As a result of the simulation, banks will see
how they can integrate invoicing systems, and
how banking customers will be able to send
and receive invoices among one another and
exchange invoices with customers of other
banks and invoicing systems.
If a given bank wants to proceed with a reallife
project, the test environment can be
turned into a real project with no additional
development required in order to arrive at an
MVP, which can be later tailored to that bank’s
individual requirements. Apply to take part in
the simulation by contacting Katalin Kauzli
from Charlie-India using the details provided
below.
CASE STUDY: HUNGARY - SETTING UP AN
INVOICING&PAYMENT ECOSYSTEM
Customer invoice data
generated
at the bank
Invoice and
invoice data
Supplier invoice and
invoice data
SME
BANK 2
SME
Payment and
payment data
Customer Invoice data
matched with
payment data
Payment and
payment data
Payment data
automatically
generated
from supplier invoice
data at the bank
Case Study of an Invoicing & Payment Ecosystem in Hungary
SMALL BUSINESS BANKING MAGAZINE
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