making busienss processes paperless

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Digitisation -

Making business

processes paperless

Tom Scharning, Nets

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SECURITY

STABILITY

DIGITAL

MONEY

Creating the future of digital values

DIGITAL

INFORMATION

DIGITAL

IDENTITY

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Market forces shaping

our industry

NEW

CONSUMERS ANALYTICS

REGULATIONS

API ECONOMY ALTERNATIVE

PAYMENTS

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SEND

DOCUMENT

DIGITALLY

SIGN WITH

YOUR E-ID

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Enter/supply information Approve or deny loan Produce documents

for signing

Sign mortgage if approved

Pay out loan

Chose relevant insurance Enter/supply information

Produce documents for signing

Sign claim Settle claim

Car

Loan

Insurance

claim

Gather information for statement

Add relevant campaign information

Identify relevant output digital channel

Distribute Track&Trace Statement

distribution

MULTI

CHANNEL

MULTI

COUNTRY

MULTI

ID

MOBILE OTP

AUTHORISATION

ARCHIVING DISTRIBUTION

SIGNING

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2015 2018

Annual spend (Nordic) more than 10 bSEK on paper distribution In addition og internal process cost

• High direct cost savings for banks

and businesses

• Consumers demand instant

response

• Digitisation increases revenue

• Digitisation improves CSI

Digitisation effects

-11%

13%

CAGR

2015-2018

-6%

7%

13 bSEK 11 bSEK

eInvoicing Paper invoices Digitisation

services

Paper

distribution

Paper

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As the compexity is increasing - the need for a strong

hub grows

VS HUB

PAYMENT SCHEMES REGULATORS

CHANNELS

INVOICE

ISSUERS

BANKS

PAYMENT SCHEMES REGULATORS

CHANNELS

BANKS

INVOICE

ISSUERS

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9

Digitisation – an example Introduces change to businesses

Due to digitisation of the society:

Enterprises are expected to offer an

increasing number of document delivery

and payment channels

Digitisation is no longer a pure matter of

internal cost reduction, but also compliance

• Business and consumer e-networks are

not tied together, and maintenance

of numerous integrations steals

internal resources.

Epost

Aksesspunkt

So… how can digitisation still be cost efficient?

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10

Digitisation – an example Digtisation made simple

Epost

Aksesspunkt Yo

ur

bu

sin

ess IT

la

nd

sca

pe

ediEX

IT systems

IT system

ediEX customized layer ediEX standardized layer

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11

ediEX simplifies digitisation Benefits to invoice issuer

Yo

ur

bu

sin

ess IT

la

nd

sca

pe

ediEX

IT systems

IT system

No changes to existing it systems ! Compliant with formats and regulatory requirements

FAST IMPLEMENTATION

SELF SERVICE CUSTOMISATION

ALL RELEVANT CHANNELS AVAILABLE

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• Digitisation partner for banks

• eInvoice provider

• Multichannel invoice distribution

• Signing and identification services

• A full service provider

Nets - Making business processes paperless

across the Nordic region

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SECURITY

STABILITY

DIGITAL

MONEY

DIGITAL

INFORMATION

DIGITAL

IDENTITY

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THANK YOU