Workshop May 21, 2025

Participants

• David Kauer, PostFinance
• Michael Doujak, Ergon
• Michal Jarmolkowicz, Swisssafe
• Roland Cortivo, HBL
• Thomas Zioerjen, PostFinance
• Tobias Christen, Migros

Excused:

• Markus Ruggiero, LUKB

Agenda

• Introduction
• Define joint approach for the workshop
• A2A Value Proposition
• Scope/Objectives for the PoC
  • e-Commerce vs. PoS?
    • Option: Invoice Payment?
  • SIC Payment vs. Instant Payment
  • What should the PoC deliver
    • Technical feasibility
    • Customer acceptance
• Technical Architecture
  • Wallet decision
  • Security and Fraud
  • Direct vs. Payment Service Provider
• Next Steps /

Next Steps

• We will have an hour during the OBP Workshop on June 4, 2025
• Mike will forward the invitation to all participant of A2A
• Mike will document the workshop and share the results with all participants
• All participants share their github account handle with Mike
• Michael and Mike will work on a proposal on how to achieve the PoC

Workshop Results

Goals

Goal	Description
Cost	The goal is to establish a payment channel that offers financial advantages to banks and merchants compared to today’s solutions.
Fraud	Fraud is an accepted issue in certain payment channels. The new channel should exhibit a particularly high level of fraud resistance, making it especially trustworthy.
One Touch	Create a user experience where the customer can pay an invoice with just one click.
User Experience	The user experience for the customer must be at least as good as with other channels.
One Touch Customer Profile	TODO: write a short summary what we want to achieve here.

Benefits

Benefit	Description	Customer	Retailer	Bank
Customer trust in digital payments	The payment channel is highly resistant to fraud and especially phishing attacks. This will help build customer trust in this channel.	x
Actor identification	The actors (retailer, bank) must be registered in the trust infrastructure. This makes all types of fraud more difficult.	x	x	x
Transaction data insights	It is fundamentally conceivable to share transaction details in a further step and with customer consent, enabling new solutions and offers for customers.	x		x
Large retailer: cost savings in processing	The retailer can connect directly to this payment channel, avoiding costs for intermediaries.		x
Retailers have a seat in the governance body	Retailers are involved from the beginning in designing and implementing the channel and can represent their interests in the governance body.		x
Payment guarantee without PSP costs	The costs for payment service providers can be avoided.		x
Acquirer cost savings	The costs for acquirers can be avoided.		x	x
Influence on E-ID / Swiyu	The findings from the PoC can be passed directly to the E-ID team to influence the further development of the trust infrastructure and the Swiyu wallet.		x	x
Brand exposure for banks	In the wallet, the bank account will be visible with logo and details for the customer.			x
Bank can increase fees	The channel is inherently cost-effective because intermediaries are no longer needed. Retailers and banks can share the savings.			x

Out of Scope

Topic	Description
Loyalty Programs	In a future version, it should be possible to have loyalty program VCs and to seamlessly include them in a one touch payment process.
Tracking User Profile	Many payment channels are able to provide retailers and banks with user profiles.
Zero Touch	Zero touch payment processes e.g. subscription renewal payments are not considered.
PSP Integration	The focus is on larger retailers with direct integration.