Mobility Payments Asia Pacific 2023





Opening Remarks



Introduction to MPAP2023, conference theme and objectives, business and technology areas to be discussed.

Greg Pote, Chairman, APSCA


Welcome address from Taipei Department of Transportation

Welcome to Mobility Payments Asia Pacific 2023 in Taiwan from Taipei City Government.

Ming-Hong HSIEH, Commissioner, Department of Transportation, Taipei City Government


Welcome address from Co-organiser

Welcome to Mobility Payments Asia Pacific 2023 in Taiwan from the co-organiser, APTRC.

Jason S.K. CHANG, Director - Advanced Public Transportation Research Center, National Taiwan University


Keynote address from Guest of Honour

Latest public transport policy initiatives in Taiwan, including introduction to the TPASS monthly traffic pass.

Y.P. CHEN, Deputy Minister, Ministry of Transportation and Communications (MOTC), Taiwan

Session 1

Transport Ticketing


Customer-Centric Mobility Payments
Automated fare collection (AFC) systems based on smart contactless media have a 25+ year record of enabling smart integrated multimodal transport ticketing in Asia. This session explores latest developments in several AsiaPacific markets including how public transport and revenue collection has weathered the pandemic, interoperable transport ticketing initiatives, integrating transport and mobility payments with retail payments and “lifestyle” services, and industry innovations in automated fare collection systems and revenue management.

Viewpoint 1: Yuan-Pang CHANG, Engineer, Taipei Department of Transportation [~20min]
Viewpoint 2: Tsuyoshi Nakaniwa, Manager &Tatsunori Hirai, Assistant Manager, Marketing Headquarters Customer Experience Systems Division, East Japan Railway Company (JR East) [~20min]
Viewpoint 3: Samuel Ryan Pradipta, Head of Department - Customer Engagement Division, MRT Jakarta [~20min]


Refreshments, Networking and Expo Viewing

Session 2

Road Charging


Highway Tolling and Road Pricing
Highway electronic toll collection (ETC) systems and electronic road pricing (ERP) systems offer benefits for governments and road users. Governments benefit from cost recovery through revenues to support road infrastructure, new roads, and investment in transportation-related projects and services. Dynamic tolling and pricing strategies can incentivise drivers to shift travel times/routes, reducing congestion and improving traffic flow. Appropriately designed road charging policies could have a long-term beneficial impact on the environment.

  • Can ETC and ERP systems generate sufficient revenue to cover the cost of building and maintaining roads and highways in every market? Does it depend upon customer willingness to pay?
  • Is the business model for highway tolling and road charging built on cost recovery and funding, traffic and congestion management, or environmental impact and green policy initiatives?
  • Do ETC and ERP systems encourage drivers to change their driving habits and are the results in line with transport policy objectives? Do they create measurable modal shift towards public transport?
  • What are some of the latest technology developments for multi-lane free-flow highway tolling and road charging systems? How effective are they at preventing evasion and leakage?
  • In free-flow tolling systems, how do drivers pay for their highway tolls and road charges? Do in-vehicle devices typically contain stored value? Or is billing done through backend customer accounts?
  • Gantries and other visible infrastructure in ETC and ERP systems lack flexibility and can be an eyesore. With latest technologies how can the visibility of the infrastructure be minimised?
  • What are the most frequent challenges in implementing ETC and ERP projects that governments and their partners need to address? How can these challenges vary in different markets across Asia?

Viewpoint 1: Rick Wang, Project Manager, FETC International [~20min]
Viewpoint 2: Paradon Nitaya, Chief Operating Officer, Transcode [~20min]


DISCUSSION: Transport Ticketing and Road Charging
What synergies are there between public transport ticketing and road charging systems? Is it possible to strike a balance between encouraging sustainable transportation choices, promoting efficient road usage, and ensuring affordability and convenience for commuters? Can integrated payments for transport ticketing and road charging provide seamless travel options for customers, for example in park-and-ride applications, or ride hailing, encouraging multimodal shift? Where has road charging been used to incentivise customers to consider alternatives, thereby increasing public transport ridership while managing traffic and congestion? How should transport ticketing and road charging be coordinated in a comprehensive transportation network to support sustainable mobility goals?



Session 3

Account-based Ticketing


The Shift to Full Account-based Payments
Mobility payments is transitioning from legacy card-based payments to account-based payments. Account-based enables transport operators to manage their own branded products in tokens, on mobile, in the cloud, in MaaS. It also enables acceptance of customer tokens not issued by, and travel funding sources not managed by, transport operators. This session explains why today there is no full implementation of account-based ticketing (ABT) in a single system covering all products, and why a full account-based system benefits all transport payments.

  • What are the limitations of legacy card-based transport ticketing systems that are driving the development of account-based payments to support all fare products in public transport?
  • ABT was not invented to accept EMV contactless payments in transit (can be done without ABT). How does a real account-based system support both open-loop and closed-loop payments in transit?
  • Mobility payments is changing; why are account-based systems needed to support all fare products (PAYG, return tickets, monthly passes, ...) using any credential, mobile device, MaaS account?
  • Why are most ticketing schemes adding account-based systems to accept open-loop payments, but still using legacy card-based systems to manage their existing base of closed-loop transport cards?
  • For ABT systems accepting unknown customers (e.g., EMV contactless payments), how is ‘first ride risk’ managed? What are typical reasons for initial declines and how can they be recovered?
  • To accept open-loop payments from banks or other third-party payments providers, are there best practices for setting a framework covering risks and liabilities, and processes for customer service?

Viewpoint 1: Michael Walters, Transport Payments Consultant [~20min]
Viewpoint 2: Greg Ellis, Principal, Greg Ellis Consulting [~20min]
Viewpoint 3: Wye-Shun Fong, Technical Director,Bangkok Payment Solutions [~20min]


DISCUSSION: More Ways to Pay for Journeys
Why move from a payments system where the transport card is the source of truth, to one where the customer account is the source of truth? What are the range of linked credentials that customers could use in an account-based transport payments system? Are multiple customer account funding sources possible for different credentials? What about family accounts with credentials for different family members? How does a full account-based payment system manage concessions and subsidies? Why is this the only feasible way to offer cloud-based mobility services such as MaaS? Why does it enable lower cost introduction of new services and better management of transport data? So why is there no such full-blown account-based transport payment system implemented anywhere in the world today?


Refreshments, Networking and Expo Viewing

Session 4

Open-Loop Payments in Transit


Analysing the Business Case
Open-loop payments offer convenience and flexibility to passengers by allowing them to use their existing contactless credit or debit cards, mobile wallets, or wearable devices to pay for public transport fares - eliminating the need to top up transport cards or purchase tickets. While the benefits to passengers that already have EMV contactless bank cards may be clear, the pros and cons of accepting open-loop payments in transit for PTAs, PTOS and transport ticketing schemes require more analysis and consideration.

  • Open-loop payments can enable reduced fare media costs, top up costs and TVM costs. How do these savings stack up against costs of EMV compliance, acceptance devices and risk management?
  • Standardised EMV contactless payments devices and infrastructure should be lower cost than proprietary transport card systems - but will operators need to run both systems in parallel?
  • White label prepaid EMV contactless cards could enable a single system, and solve challenges of unbanked adults, children and concessions. Why are few PTAs/PTOs pursuing this approach so far?
  • There are now sophisticated solutions for accepting open-loop payments in transit. How do they manage complex fare structures, peak/off-peak fares, distance-based fares, passes and concessions?
  • Operators accepting open-loop payments in transit effectively become a merchant in the consumer payments business. What do they need to know about risk sharing, and merchant service charges?
  • Other than EMV contactless payments, what other open-loop payment solutions, such as non-bank mobile wallets, have been adopted in transport? Do they have similar benefits and challenges?

Viewpoint 1: Ryan Koo, Director of Contactless and Urban Mobility, Visa Asia Pacific [~20min]
Viewpoint 2: Yong Yik HOH, Senior Principal Engineer, Fare System, Land Transport Authority, Singapore [~20min]
Viewpoint 3: Alban Jalabert, Services Director - Revenue Collection Systems; Gordon Lee, Sales Manager - North Asia, Revenue Collection Systems, Thales [~20min]


Discussion: Deciding the Business Case
The business case for EMV contactless payments in transit depends on several factors (likely to also apply to other open-loop payment solutions). Examples:

1 - the target market needs to have enough customers holding EMV contactless payment cards, ideally with strong adoption and usage in the retail environment.
2 - customers paying for transit fares with EMV contactless payment cards need to get a better deal than they would do using other fare products.
3 - the implementation of EMV contactless payments acceptance in transit hasto meet the needs of all stakeholders (customers, card issuers, operators).
4 - transaction acquiring costs (merchant service charges) need to be similar to, and preferably lower than, those for existing closed-loop transport card products.

These will not be the only factors. Will long-term savings in revenue collection and infrastructure costs be achievable? Can all stakeholders reach an agreement on risks, liabilities, fees/costs, customer protection? If all conditions are met, will most transit authoritiessee acceptance of open-loop payments as an important option for improving convenience for customers? Even if the open-loop payments business case excludes some customers - such as those who are unbanked, children, or entitled to concessions- for which a separate system, fare products and transport payment solutions are required?


End of Day 1


Close of day 1

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