Mobility Payments Asia Pacific 2024



Opening Remarks


Introduction to MPAP2024, conference theme and objectives, business, and technology areas to be discussed.
Greg Pote, Chairman, APSCA


Welcome address from MRT Jakarta
Welcome to Mobility Payments Asia Pacific 2024 in Indonesia from the co-organiser, MRT Jakarta.
Tuhiyat, President Director & CEO, MRT Jakarta


Keynote Address from Bank Indonesia
Indonesia’s central bank discusses the importance of inclusive payments in driving usage of public transport.
Yosamartha, Director, Payment System Policy Department, Bank Indonesia

Session 1

Inclusive Payments in Public Transport


Delivering Customer-Centric Mobility Payments
Driving modal shift from private vehicles to public transport requires customer-centric mobility services; a key factor is making it easy to pay transport fares. In this opening session, public transport stakeholders discuss how to enable customers to pay for their journeys using any of the payments instruments which they already have, including the wide variety of mobile wallets increasingly used by customers across Asia, as well as closed-loop and open-loop card-based payments, to create a roadmap for genuinely inclusive payments for mobility services.

  • Traditional closed-loop contactless transport card schemes are inclusive. But in a world where customers now have so many digital payments options, are they still the easiest way to pay for transit fares?
  • How can transport authorities best manage the situation where there are several closed-loop contactless transport card products offered to customers that are not interoperable across a city/region?
  • EMV contactless payments in public transport first launched in Malaysia in 2012. Why has the first solution for open payments in transit not been more widely deployed in Asia after more than 10 years?
  • Today, server-based mobile e-wallets and real-time payment mobile wallets are the fastest growing digital payment methods in Asia- how easy is it to accept these for mass transit payments?
  • Is the convergence of server-based mobile e-wallets on real-time payment rails using single QR likely to make it easier for public transport stakeholders to accept digital wallets in transit?
  • With the growing network of cross-border interoperability for national real-time payments in Asia, does this mean that transit authorities will only need to accept single QR and EMV contactless?

Viewpoint 1: Ezron Yotham Sinaga, Digital Business Department Head, PT MRT Jakarta [~30min]


Refreshments, Networking and Expo Viewing


Viewpoint 2: Dr. Somprasong Suttayamully, Director, Fare Media Business Department, Mass Rapid Transit Authority of Thailand [~20min]
Viewpoint 3: Randolph Ian V. Clet, Project Manager/Implementation Manager, Automated Fare Collection System Program Office, Department of Transportation of the Philippines [~20min]
Viewpoint 4: Rohaila Abdul Latiff, Senior Manager, Product Consumer Service Enablement Division, Payments Network Malaysia (PayNet) [~20min]


Discussion: Mobility Payments Fit for Asian Markets
Asia is the largest and fastest-growing market for public transport services, and the fastest adopter of innovative digital payment methods. Do we need a fresh approach to inclusive and open payment systems in public transport for the Asian region? Legacy closed-loop transport card schemes are inclusive, but only truly customer-centric if they can enable seamless end--to-end journeys across a public transport system. What is the solution when they don’t? There is growing interest in more open payment options for public transport customers. EMV contactless payments are one option but usually exclude the unbanked (and have trouble with concessions). In a growing number of Asian markets, customers are using server-based mobile e-wallets and real-time payments wallets. How should PTAs, PTOs and ticketing schemes in this region handle the millions of Asian customers who are using these non-card-based mobile wallets?



Session 2

Practical Issues for Account-based Payments


Managing the Transition from CBT to ABT
PTAs, PTOs, and ticketing schemes in Asia are implementing account-based ticketing (ABT) systems, either to sit alongside or eventually replace their card-based ticketing (CBT) systems. Full account-based payments enable transport operators to manage their own branded products in tokens, on mobile, in the cloud. They also enable acceptance of customer tokens not issued by, and travel funding sources not managed by, transport operators. This session explores challenges for operators implementing ABT systems, while still operating their legacy CBT systems.

  • What are the challenges for PTAs, PTOs, and ticketing schemes in shifting to full account-based transport payments? Are the benefits of a complete transition outweighed by the costs and complexity?
  • Why are many ticketing schemes adding “EMV-ABT” to accept open-loop contactless payments, but still using legacy CBT to manage their existing base of closed-loop transport fare products?
  • What are the challenges in tokenising closed-loop CBT fare products to an operator account-based backend system? Will tokenised CBT products have different/reduced functionality? If so what and why?
  • EMV-ABT saves top-up and issuing costs (but not acquiring or certification costs) and avoids managing funding sources but how does this help operators transition their own CBT products to account-based?
  • How can public transport operators transition their customers from familiar card-based systems to new full account-based systems? What type of effective communication and education is required?
  • EMV-ABT offers customers open payments in public transport without having to create an account with the PTO but creates a “first ride risk” for operators. How is this being managed today?

Viewpoint 1: Silvester Prakasam, Senior Advisor, Digital Mobility Solutions, MSI Global & Deputy Director Fare Systems, Land Transport Authority, Singapore [~20min]
Viewpoint 2: Desmond Chin, Chief Technology Officer, Touch ‘n Go [~20min]
Viewpoint 3: Shotaro Murata, Deputy Manager, Marketing Headquarters, Customer Experience Systems Division, East Japan Railway Company (JR East) [~20min]


Discussion: Realities of Account-based Transport Payments in Asia
EMV-ABT reducestop-up and issuing costs (and avoids funding source management) but adds acquiring and certification costs. It could be the ideal single-journey solution for visitors and occasional riders if it supported the unbanked. Customer accounts in full ABT platforms can support multiple fare media, funding sources, payment models (before, now, after), simultaneous products (PAYG, commuter pass, road tolling), and an operator relationship with the customer (data). But full ABT platforms require customers to manage their funding sources -so are they only for customers with smartphones? EMV or Full, can an ABT transition be successful if the original card-based ticketing platform is not already fully integrated and interoperable? Take-up of "EMV-ABT" in Asia seems slower than Europe/North America? Is that because Asian PTAs, PTOs, ticketing schemes see more benefits in moving to full account-based payments? Or is it because Asian operators are more cautious about EMV-ABT issues such as first ride risk? Or because they are concerned about losing revenue from float and issuing special edition cards? Or because they are increasingly more focused on accepting “local payment methods” such as server-based mobile e-wallets and real-time payments wallets?


Refreshments, Networking and Expo Viewing

Session 3

Sustainable Public Transport


Strategies for Improving Mobility Services
Integrated ticketing and inclusive payment systems that enable seamless multimodal public transport journeys are an important foundation for driving modal shift from private vehicles to public transport. This session explores supporting strategies and policies designed to improve public mobility services so that they are easier for customers to use, more accessible for all customers, have shorter journey times, are more attractive than private transport, have reduced costs for operators, and contribute to creating a cleaner and greener environment.

  • What strategies have been used to encourage public transport operators to collaborate (even when they compete) to provide integrated ticketing that offers seamless multimodal travel for customers?
  • How can transport authorities use open and inclusive payment systems to connect public mass transit with private shared mobility providers and enable end-to-end journeys for customers?
  • What are the most effective solutions to the first mile/last mile challenge in public transport, that can enable door-to-door journeys, bring people closer to public transport and increase ridership?
  • Effectively integrating urban transport fare payments with inter-city and regional public transport ticketing benefits customers and encourages modal shift. What are the challenges involved?
  • How can net zero goals be incorporated into transport policy and mobility payments services to encourage customers to consider the environment and choose greener journey options?
  • What role can transit-oriented development (TOD) play in attracting customers to shift from private to public transport services? How could TOD be integrated with mobility payments services?
  • With growing smartphone usage in Asian markets how can mobile wallets and digital platforms provide mobility service applications that offer personalised, sustainable, and efficient mobility?

Viewpoint 1: Speaker to be advised [~20min]
Viewpoint 2: Speaker to be advised [~20min]
Viewpoint 3: Speaker to be advised [~20min]


Discussion: Driving Adoption and Usage of Public Transport
Asian markets, particularly in developing Asia, need to drive modal shift. More adoption and greater use of public transport, away from private transport, can improve social and economic connections, reduce congestion, and enable cleaner and greener environments. What approaches have been successful in integrating the ticketing/fare systems of independent (and competing) public transport and mobility services to provide customers with seamless multi-modal journeys? How can public mass transit AFC systems be integrated with the payment/booking systems of micro-mobility and shared mobility providers? How can the typically PAYG payments for urban mass transit be integrated with the usually ticket-based systems for inter-city and regional public transport? Should customers be incentivised to make personal transport choices that are aligned with environmental impacts (e.g. carbon emissions) to drive modal shift and net zero goals? What is the role of transit-oriented development in driving modal shift? How can public and private transport providers collaborate with digital platform stakeholders to offer mobility service apps that help customers make personalised, sustainable, and efficient mobility choices?


Close of day 1

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