MULTI-CHANNEL PAYMENTS – UNLOCKING THE POTENTIAL

Alan Moss

M O R E G O O D N E W S F R O M M A R I O . . .

€ 1.900 Bln

37,2 Bln (+9%)

8,8 M

Source: ECB Blue Book, Sept 2012

2

Num

ber

of T

rans

actio

nspe

r Y

ear

in B

illio

ns

0

5

10

15

20

25

30

35

40

2000 2001 2008 2010 20112002 20092003 2004 2005 2006 2007

Use of the Main Payment Instruments in the EU (2000-2011)

Credit transfers

Direct debits

Card payments

Cheques

C A R D PAY M E N T S P E R C O U N T RY

94% of all EU transactions from 12 countries

3

9,434

7,625

2,7212,324 2,173

1,746 1,736

1,227 1,092 1,049 996 942

2,019

401

258

234

311

69

113

307

201

177

390

90

329

74

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000

UK

Franc

e

Germ

any

Nethe

rland

s

Spain

Italy

Sweden

Portu

gal

Finlan

d

Belgium

Poland

Denm

ark

Other

0

50

100

150

200

250

300

350

400

450

Transactions in Millions

Value/Terminal K€

EU Avg

Source: ECB Blue Book, Sept 2012

C H A N G I N G PAY M E N T S M I X – U K E X A M P L E

Card Not Present playing an increasing role

4

995 1,108

6,1666,560

7,0247,430

8,327

878792729

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

2007 2008 2009 2010 2011

Tra

nsac

tions

in M

illio

ns

CNP Face-to-Face

Source: Payments Cards & Mobile/UK Payment Statistics

C H A N G I N G PAY M E N T S M I X – U K E X A M P L E

Card Not Present playing an increasing role

5

CNP Transactions

Internet76%

TelephoneOrder22%

Mail Order2%

Source: Payments Cards & Mobile/UK Payment Statistics

C H A N G I N G P O I N T O F I N T E R A C T I O N

6

Offline Online Multichannel Omnichannel

Stationary In The Cloud

Plastic NFC, Mobile, QR, GPS

Mobile

Th

e Un

iversal Merch

ant

Dramatic changes converging to transform consumer behavior

Consumers know

What they want

Who has it

What is costs

T O D AY ’ S C O N S U M E R I S C O N N E C T E D

7

Consumers what

Better selection

Better service

Better pricing

R E TA I L E R S A L S O H AV E N E E D S

8

Make me faster and more nimble and make changes simple

Solve all my payments problems, not just one component

Give me a long term payments road-map to prevent frequent unplanned changes

Secure my cardholder data, take store systems and integration out of scope

A partner who can bring together a comprehensive multi-faceted solution

Let me focus on the consumer and my business to innovate the store experience

Drive footfall, increase spend or reduce cost

I N T R O D U C I N G PAY M E N T S A S A S E R V I C E

9

Point’s Payment-as-a-Service Platform

Poi

nt S

oftw

are

& In

dust

ry a

pplic

atio

ns

Any processor/acquirer

Any Service Provider(loyalty, coupons, pre-paid,

vouchers, etc.) Sec

ure

gat

eway

Point’s secure proprietary

network(secured

transmissions)

Point’s gateway(bank/acquirer-neutral/PCI-certified)

Som

e 3rd party providershosted by P

oint

Consumer

Shops

Restaurants

TransporT

Hotels

INVOICE COUPON

VOUCHER

INVOICE COUPON

VOUCHER VOUCHERINVOICE

INVOICE

Payment Methods

Terminal/VAS

eCommerce/online payments

mCommerce

Credit/debit cards

Vouchers

Invoices

Loyalty

Direct debit

Coupons

Everything required for secure and reliable payment acceptance

Key Facts Proprietary secure network PCI DSS certified Multi-channel capabilities Open platform (acquirer

and third party neutral)

200 million transactions per month Connected to 50 acquirers Expanding to new markets in

Europe as well as outside Europe

M A N A G E D S E R V I C E I N F R A S T R U C T U R E

Gateway

Reporting and Management

Card Payment

Value AddedServices

Point-of-Sale Solutions

Fixed*

Internet/CNP Solutions

Portable*

Internet Mail Order/Telephone Order

RecurringPayments/

Subscriptions

Enter Card:

* Standalone or Integrated with POS

Mobile

10

C O M P E L L I N G VA L U E P R O P O S I T I O N

11

Simple monthly fee pricing structure

No capital expenditure

No accreditation fees

Easy to integrate

Easy to implement

Authorisation

Settlement

Web Portal

PAYwareMerchantManagedService

PAYwareMerchantStore andForward

RBSWorldpay

C O M B I N I N G M O B I L I T Y A N D M E D I A

12

5,500+ EMV contactless payment systems for card acceptance

H A R N E S S I N G T H E S M A R T D E V I C E

13

Micro Merchant

Enterprise

I N - S T O R E M O B I L I T Y

14

Increase revenue with access to near real-timeinventory, pricing and on-the-spot credit cardtransaction

Eliminate line abandonment and convert salesby expediting checkout

Encourage repeat customers by improvingthe customer experience with personalizedone-on-one attention

Create new sales opportunities outside of the store

Empower workers with up to date information from anywhere

iPad Retailing

Clienteling

Inventory Mgmt.

mPOS

GlobalBay mobile POS applications

NFC Issuance Mobile Commerce Apps

PaymentsCoupons/

PromotionsTickets

Prepaid/Loyalty

Wallet App

Secure Element

MNO

TSM

OTA Provisioning

NFC Acceptance

Common Interface Standards

Open API

App & Terminal Mgmt.

VeriFone Estate Management

Transaction Mgmt. & Routing

PAYMEDIA Network Services

Flexible NFC App Software

NFC App Manager

M A N A G I N G N F C I N F R A S T R U C T U R E

15

B E N E F I T I N G T H E M E R C H A N T

16

Make you more nimble to support a faster pace of innovation

Future-proof your payment system

Eliminate the complexity of payment system changes

Secure cardholder data and take your store systems out-of-scope

Improve the in-store shopping experience

Enable you to concentrate on your customers

Solving the total payments problem so you can focus on your business

COMPLEXITY

17

COM P L E X IT Y IS AN OP P ORT UNIT Y AWAIT ING …

SIMPLIFICATION

18

MULTI-CHANNEL PAYMENTS – UNLOCKING THE POTENTIAL

Alan Moss