Ingenico SAP

ATB Financial, based in Alberta, Canada, transferred CA$1, 000 to ReiseBank in Germany. The technology used was built by SAP and fintech start-up Ripple Labs.

The payment took 20 seconds to complete. Usually such transactions can take anywhere from two to six days, due to requirements such as settling with the counterparty bank and reconciling accounts.

AP and Ripple designed and built a proof-of-concept prototype in just nine days to prove how banks can improve the speed at which cross-border payments can be made. SAP provided its Payment Engine application and mobile user interface, while Ripple provided the underlying network for the transaction.

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