Voice of the Industry

aye4fin and HRS subsidiary Destination Solutions join forces to develop a new payment solution

Monday 10 July 2023 08:24 CET | Editor: Diana Lupuleac | Voice of the industry

Thomas Tittelbach, managing partner at aye4fin, provides insights into the collaboration with HRS subsidiary Destination Solutions for the development of a new payment service and discusses the subject of payments in the travel sector.

Cologne-based consultancy firm aye4fin has a track record of supporting businesses in creating and launching high quality financial services and fresh business models. Recently, they lent their fintech expertise to the HRS subsidiary, Destination Solutions, assisting in incorporating a payment solution into their established business model.

Trends in the travel industry during the post-COVID-19 recovery phase

During the last few years, the travel industry has undergone drastic transformation cycles. With the rise of online platform giants such as Expedia and Airbnb, the role of physical agencies has changed or diminished. With online and mobile offerings, consumers were enabled to book hotels or even plan their entire travels within minutes, without the need to go to a travel agency.   

The darkest hours were still to come when travel came to an immediate stop during the COVID-19 lockdowns across the globe, with a direct effect on all travel-related businesses - both online and offline.  

Even though travel has picked up again, experts predict that the recovery phase will take until 2024 to reach pre-pandemic levels. In the meantime, the transformation continues in different ways:  

  • New services will be offered regarding travel planning as an integrated solution, including activities, attractions, and experiences. What started with innovative startups such as getyourguide.com is now becoming a major service that leading platforms also integrate into their offering, e.g. Booking.com with their ‘Attractions’ services. 

  • Mobile travel sales will play the leading role in how consumers book their travel in the future. This trend follows the experience of online businesses, which are also shifting towards a mobile-first approach.

  • Integrated online solutions will allow consumers to arrange travel and all connected processes within one platform, meaning booking and payments will finally be connected. To date, many online platforms focus on individual services, i.e., either software provision, booking services, or payment handling. The result is that both platforms and consumers need to manage different tools and processes leading to an extensive overwork. 

With aye4fin, we strive to create innovative and integrated payment solutions that deliver clear benefits to businesses and consumers, as reflected in our vision ‘Create positive commerce experiences’. 

Adding payment functionalities to the existing business models

One of the travel behemoths looking to consolidate various services into its platform and, thereby, generate more value for its clients is Destination Solutions. Destination Solutions provides a comprehensive software solution for promoting holiday accommodations online - effectively minimising administrative efforts for hosts while optimising booking capacity. With over 20 years in the market, the company boasts the broadest distribution network in the DACH region, spanning more than 150 portals.

In a bid to enhance its services to customers, Destination Solutions has opted to integrate payment features, facilitating transactions between guests, booking portals, agencies, and hosts.

Previous business model – without payment                                                             

        

  • Different ways for processing payments, varying per agency and booking platform.

  • Need for increased user-friendliness and reduced complexity.

 

New business model – with payment

  • DS payment solution boosts customer retention. 

  • DS payment ensures standardised procedures for payments, disbursements, and cancellations for both guests and hosts, irrespective of the booking platform used.

 

Launching an integrated payment solution

With guidance from the aye4fin fintech experts, Destination Solutions designed a novel business model and incrementally launched its payment services.

Drawing on years of experience, aye4fin was able to assist Destination Solutions in the RFP process, selection, and subsequent integration of an appropriate payment service provider. Stripe, the chosen payment service provider, helped Destination Solutions secure its initial pilot customers.

What's next: multi-payout

Following the successful technical and process integration of the payment system into the existing software service and encouraged by the positive response from pilot customers, Destination Solutions and aye4fin aim to make their next move. By incorporating the multi-payout functionality, all process participants (hosts, agencies, intermediaries, and Destination Solutions) will have the ability to receive payments simultaneously and earlier, further simplifying accounting procedures.

Multi-payout model

  • Handling of payment procedures between agency and host (decreases the need for accounting).

  • Complete automation of booking modifications, cancellations, and similar operations.


Lars Brinkmann, the CTO of Destination Solutions states: 'With the fintech experts of aye4fin, we managed to enhance our offering through the additional payment service. aye4fin played a key role in helping us tailor complex payment processes to varying customer needs and business models.'

Future trends in travel payments

With the offering of integrated travel and payment solutions, the transformation is not completed yet, but new emerging trends are already offering new opportunities. While the trend to mobile-first will continue, additional trends are on the horizon.

In-trip activities: Consumers not only want to book travel and activities before their trip starts but want to book additional experiences and attractions during their travel. This requires further adjustments of communication, workflows, and payments. 

Efficient micropayments: The growing number of mobility offerings for tourists requires efficient and secure processing of micropayments, which is currently only available for a few payment methods.

Biometric payments: The use of biometric information allows for  frictionless payments as it eliminates the requirement for PINs and, hence, offer additional security for travellers. According to Visa, 86% of consumers are interested in using biometrics for identity verification and payments.

 

About Thomas Tittelbach 

Thomas Tittelbach is an international payment and ecommerce expert with more than 20 years of industry experience supporting companies such as Linde Group, Equens Worldline, and Klarna AB in implementing and operating international payment gateways. As managing partner of aye4fin, Thomas Tittelbach primarily supports customers in designing innovative payment solutions for enterprise merchants and international marketplaces.

 

About aye4fin

As one of the leading consultancies in the field of digital payments, aye4fin has been advising international merchants, corporates, and payment service providers on the development and enhancement of innovative payment solutions since 2016. Our credo is to create a positive customer experience - therefore we work hand in hand with our clients from strategy to launch. Awarded by the German Handelsblatt as one of the best consultants (‘TOP Berater 2022’), we can look back on the successful development of various marketplaces and fintechs.

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Keywords: travel payments, biometrics, payments
Categories: Payments & Commerce
Companies: aye4fin
Countries: Austria, Germany, Switzerland
This article is part of category

Payments & Commerce

aye4fin

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