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Aviva is the world's fifth-largest insurance group and the biggest in the UK. They are one of the leading providers of life and pensions products in Europe and have substantial businesses elsewhere around the world.
The payment processing requirement
Aviva sends over 100,000,000 Bacs transmissions each year and has been using Bacstel since the early 1990s. The organisation successfully migrated to the Bacstel-IP platform in December 2005.
Prior to migration, Aviva had experienced problems with their incumbent Bacs transmission system which was unreliable and prone to errors. Unimpressed by their current supplier and concerned to comply with the December 2005 migration deadline, the company sought a new systems provider. Specifically, they wanted to identify a payments solution that could:
- send large transmission files within a short processing time
- provide high levels of security
- fit with Aviva's managed infrastructure
- send all types of Bacs transaction codes
- receive all kinds of messaging reports in legacy format
- send internal reports by e-mail
- provide a robust Disaster Recovery solution
- be easily configured
From the outset, this project was extremely complicated due to the fragmented nature of the Aviva business and the fact that the company had just six weeks to implement a solution; this timescale included Hardware Security Modules.
The Experian solution
Aviva knew of Experian through industry conferences and customer recommendations. Impressed by third party feedback and the speed of delivery offered by the company, Aviva chose Experian's' enterprise payments platform, Experian Payments Gateway.
To comply with industry regulations, Aviva needed to implement Experian Payments Gateway quickly and cleanly within a complex hosting environment and without impacting on day-to-day business operations - an objective that was easily achieved.
The company also wanted to add value to their internal processes, many of which were being implemented overseas. Experian enabled Aviva to achieve this through Experian Payments Gateway's highly configurable reports module which removed several of the company's outdated processes.
"Experian stepped into the picture because we were unimpressed by other suppliers' products and capabilities. They were able to deliver what they promised within the quoted timescales, first time and without incident. Considering the implementation was over six servers, each with Hardware Security Modules, this was impressive.
We found Experian very professional, well informed and approachable throughout the selection and implementation processes. The organisation's consultants came on site and worked through our new end to end processes. This gave us every confidence in Experian Payments Gateway which continues to meet our needs and expectations."
Service Development Manager
Note - Aviva was formerly Norwich Union