naome n2finance at work 20150401

15 September 2015 By NAOME bvba (Confidential)1

Leon Dhaene

1 January 2014

Network of Alliances, Outsourcing and Merger Experts & n2financepresent…

…@ work …

Strictly

Confidential

2 15 September 2015By NAOME bvba (Confidential)

Expertise

Retail banking, payments and cards

Business Alliances and Global Business Agreements

Mergers / Acquisitions / Integration & Convergence

E-invoicing and self-billing

Single Euro Payments Area (SEPA) & Payment Services Directive (PSD)

Corporate Governance & new organisational structures

Outsourcing Business Processes and Change Management

Business development & new market introductions

CRM / Global Key Account Management

Customer services outsourcing & call centers

Debit and credit cards / issuing, acquiring and card acceptance

Leasing sector

Loyalty programmes and technology

Risk management and fraud detection solutions

Petrol & fleet cards

Managing Global Teams, etc…


Customers

Large international financial institutions :

like ABN AMRO, ING, BNP PARIBAS, Tescobank, Crédit Agricole, Invex Banco…

International payment schemes : like Visa Europe, MasterCard Europe, …

Large global processors in financial transactions : like First Data International,

TSYS, Trionis, RS2, …

Large global corporations : TeleTech, LeasePlan, Wipro, bpost…

Large national companies : like Travelcard, Antwerpse Waterwerken, Securex,

Keyware, European Merchant Services,…

National Associations : like CETREL, Paylife, PaySquare…

New payment schemes : PayFair, STS Group…

Regulatory and lobbying : European Commission, BEUC,

Belgian Federal Government…

Specialist companies : like FINTRAX, OCS, TouchClarity,

Archivas, Keesing Reference Systems, IDES Technologies,

Pay & Save, AdValvas,…

Capital Venture companies, seeking investment advice


Sectors

Finance : banks, banking corporations,

financial services providers, payment systems,

network services providers, suppliers to the finance sector / payments

business, regulatory, cards, e-invoicing, post office, loyalty programmes, risk

management and fraud detection

Mobility : leasing, automotive, petrol, transportation solutions

Environmental : water management

Outsourcing : call center technology, transaction processing, network services

providrs

E-commerce : risk management, fraud detection, couponing, loyalty

Enterprise software : e-commerce, archiving and

electronic document management, e-invoicing

Regulatory & lobbying : studies in acceptance and consumer

retail payments

Venture capital


NAOMEOrganisation

(+3 lead cases per activity segment)

NIMF(NAOME Investment

Management Fund)

• Coach innovators to market

• Assist in the search for

venture capital

• Provide organisational

support & understand

markets

• Lead startup / second round

funded company to reach for

critical commercial mass

OUTSOURCING& business rationalisation

• Define operational excellence

• Identify operational cost

reductions

• Assist in business process

re-engineering

• Specialists in RFI / RFP

• Build / review business plans

• Innovate (e-Commerce, e-

Invoicing, payments, …)

ALLIANCES &

MERGERS& Strategic Consulting

• Coach Board / Management

in strategic reviews

• Identify new trends &

evaluate innovations

• Negotiate business deals,

new contracts, take-overs, …

• Penetrate new markets, new

sectors, new business…

http://www.paylife.at/plb/opencms/de/index.html



Business Development

Processors Payment

Schemes

Solution

providers

Acquiring

domain

Outsourcing


Strategic Consulting

Leasing /

fleetBanking

Solution

providersPayment

SchemesProcessors

Others




SEPA

BankingPayment

Schemes Processors Regulatory /

Associations

Outsourcing

Leasing /

fleet




Corporate Coaching & Investment

Payment

Schemes

Solution

providers

E-

Invoicing

Services

providers


OutsourcingRFP support

Outsourcing RFP support




New solutions

E-Invoicing Payment

SchemesMobilityIdentificationAcquiring

domain

E-Communities




TeleTech

THE COMPANY Customer care management company

25 years old, 33,000+ staff in 16 countries

Broad set of solutions for customer care, covering netware,

software, consultancy, on demand services, training,

channel integration, etc…

THE JOB Strategic consultancy business development Europe

Business

Development

Strategic

Consulting

SEPA

Outsourcing


Touch Clarity

THE COMPANY Content targeting and software for the creative

optimisation in the on-line channel

5-20% overall increase in sales or revenue through targeting-enabled pages

Management of sales targets on-line by product

Flexibility to accommodate business constraints and acquisition values for online channel

No politics - decisions of what product to serve are objective and commercial

Campaign management and scheduling tool

Valuable learning about successful creative attributes

Strategic component of CRM (integration of online visitor profiles)

THE JOB Strategic consultancy

Business Development Plan Benelux

Strategic

Consulting

Business

Development


Archivas

THE COMPANY Solutions for a more efficient management of your digital information

Solutions compliant with new regulation, new marketing needs, and new archiving technologies (both software and hardware)

Integrated security and destruction mechanisms

Think of the impact of Basel II, Sarbanes-Oxley, the Patriot Act, etc… on your data storage requirements

THE JOB

Strategic consultancy business development Europe

Business

Development

Strategic

Consulting


ABN AMROPRIVATE

BANKINGTHE COMPANY Top 10 global private bank :

– 20 countries

– 142 billion € assets

THE JOB Propose a strategy for a global payment system

Integrating cards, credit lines and payment systems

Offering competitive solutions superior to

7 global competitors

Strategic

Consulting

SEPA


LeasePlanBelgium

THE COMPANY LeasePlan Belgium :

– Car leasing market leader in Europe

– Market leader in Belgium with over 6,000 customers, using 55,000 cars

THE JOB LeasePlan EasyCard project Belgium :

– Creation of an authorisation network for maintenance, repair, and

tyres

– Increased automated approvals to 90%

– Driver approval via card and PIN

– Flexible petrol card functionality, integrated in the

LeasePlan EasyCard

E-invoicing project Belgium

– Automation of 200,000 incoming invoices : staff cost reduction by 25%

– Automation of outgoing invoices for over 3,600- customers

Strategic

Consulting

SEPA

RFP support

New

solutions


Travelcard

THE COMPANY Travelcard only has Dutch clients, approx.:

– 4,000 ‘direct’ clients

– 70 Leasing Companies

> 200,000 Fuel Cards, 440 million litre, 4% market share

Fully owned by LeasePlan, one of the biggestLeasing Company in the world :

– Approx 30 countries

– 1.2 million cars

THE JOB Strategic consultancy business development Brasil

Strategic consultancy business development EuropeBusiness

Development

Strategic

Consulting

SEPA

New

solutions


PayLife

THE COMPANY Former Europay Austria :

– Issuer of 1 mio MasterCard (35 mio transactions)

– Issuer of 7 mio Maestro cards (240 mio transactions)

– Acquirer of 100,000+ merchants

THE JOB Advise on a post-SEPA payments strategy

Analyse current / future card processing requirements

Clusteranalysis payment opportunities versus processing needs

Coach RFP-team for outsourcing of transaction processingStrategic

Consulting

SEPA

RFP support

Outsourcing

New

solutions




FINTRAX

THE COMPANY Innovative financial services company, based in Ireland, specialising in Payment

Solutions for banks, merchants and tourists.

Offers Dynamic Currency Conversion in 8 countries


Analysis of major trends in European banking, payment systems, and processing, and impact assessment

Strategic

Consulting

SEPA


Securex

THE COMPANY Belgian market leader in Social Management Services

1,350- employees

69,000 associated companies

100,000 associated individuals

THE JOB Advise on a strategy to create new local offices and the

management of business development in new geographical area’s

Create a new operating model, inclusive new profiles for recruitment, for the local offices

Strategic

Consulting


OpenChannel

SolutionsTHE COMPANY Leading global provider of software subscription

and e-business management solutions that enable software-as-a-service.

The company’s self-service offerings help organizations increase software renewal revenues, extend their reach and manage sales in the growing SMB market through multi-tiered channels, effectively distribute electronic software and content, and eliminate costly, inefficient e-business IT processes.

OCS is headquartered in Norwood, MA, and has offices in Utah, the Netherlands, Japan and Australia.

THE JOB Strategic consultancy business development Europe

Facilitated contract with major mobile phone manufacturer

Business

Development

Strategic

Consulting


AntwerpseWaterwerken

THE COMPANY Belgian market leader in Water Management Services

(collection & distriubtion of drinking-water, collection & purification of waste water)

500- employees

156,000 customers

THE JOB Advise on new strategies for the Customer Contact Center

Coach the Project Management Team in describing the requirements, needs and targets for the new Customer Contact function

Counsel on the construction of a Request for Information / Request for Proposal for the Call Center, and the evaluation matrix to be applied on the different solution suppliers

Outsourcing

RFP support


CETREL

THE COMPANY Card issuer & acquirer, and processing company

for the Luxembourg banks :

– Owned by 11 Luxembourg banks

– 1.1 million cards issued

– 12,000 merchants in Luxembourg and Belgium

– 100 million transactions per year


Analyse Unique Selling Proposition and map versus European market interest

Business Development Plan Belgium

Business

Development

Strategic

Consulting

SEPA


FIRST DATA INTERNATIONAL

THE COMPANY Global leader in electronic commerce and payment

solutions, servicing 5 million merchants and 1900 card issuers

worldwide

THE JOB Advise on their proposed Solution Offering Catalogue

(or Product Matrix) in the context of a post-SEPA

payments strategy

Provide strategic consultancy for 14 key markets in the

EMEA Region

Define a limited set of options within 9 subject categories,

which would enable the full set-up and running of a credit,

debit, retail or loan card portfolio

Strategic

Consulting

SEPA


Visa Europe

THE COMPANY Provides the brand, systems, services and rules that enable electronic

payments between millions of European consumers, businesses and

merchants.

Association of 4,500 European banks in 36 countries

THE JOB Assist Visa Europe in entering into new market niches

Business

Development


Keesing Reference

Systems

THE COMPANY Specialist provider of verification tools and solutions to authenticate ID

documents and banknotes, since 1923.

More than 6000 clients in 120 countries.

THE JOB Advise the Board of Directors & the Management Team on

a strategic business development plan for Europe, integrating

the newest legislation regarding identity control for corporations

and public services, and the different regulations and

recommendations of the different trade associations into a

new tool for identity management and control.

Strategic

Consulting

New

solutions


MasterCardEurope

THE COMPANY Provides the brand, systems, services and rules that enable electronic payments

between millions of European consumers, businesses and merchants.

Association of 25,000 member banks in 210 countries worldwide

THE JOB Advise the Chip Centre of Excellence about the chip

personalisation utility business & functional requirements

and business case, competitive advantages and delivery

& distribution methods.Strategic

Consulting


Keesing Reference

Systems

THE COMPANY Specialist provider of verification tools and solutions to

authenticate ID documents and banknotes, since 1923.

More than 6000 clients in 120 countries.

THE JOB Formulate a U.K. Business Strategy following new identity

management legislation and create a U.K. Business

Development Plan. Business

Development

Strategic

Consulting


Total Systems Europe

THE COMPANY Market leader in electronic payment services to financial

institutions and companies.

More than 300 clients in 75 countries worldwide.

6,700 team members in 15 countries.

THE JOB Strategic market entry plan for Turkey.

Business development Turkey. Business

Development

Strategic

Consulting

SEPA


PaySquare

THE COMPANY Issuer of MasterCard and Visa credit cards in the Netherlands

Dutch national acquirer of MasterCard, Visa, JCB,

China Unionpay, Maestro, American Express.

THE JOB Advise the Management Team as to the international expansion

of PaySquare, in e-commerce and POS acquiring by identifying

prospect markets and sectors, outlining market entry strategies,

defining commercial strategies and high level sales

implementation plans.

Business

Development


MasterCardEurope

THE COMPANY Provides the brand, systems, services and rules that

enable electronic payments between millions of European

consumers, businesses and merchants.

Association of 25,000 member banks in 210 countries worldwide

THE JOB Advise MCE as to the key components their member banks

should know about SEPA – PSD compliance

Put together a detailed course curriculum regarding debit

SEPA compliance.

SEPA


Trionis

THE COMPANY Processing company, formerly part of Eufiserv,

now joint venture between Eufiserv and First Data,

providing a unique offering in the issuer-to-acquirer services :– 78,000 ATM’s

– 1.5 million POS

– 165 debit and credit cards as issuer processor

THE JOB Organise, lead and coach the Managing Board in

defining their strategy for the coming three years Strategic

Consulting

SEPA


PayFair

THE COMPANY PayFair intends to launch a new instant debit payment

scheme fully supported by the merchants community,

riding on the momentum created by the introduction

of the SEPA regulation.

The company has recently gone through a first round of

financing and expects the first PayFair transaction to

happen first half 2009.

THE JOB Advise the Board of Directors on key aspects of introducing

a new international payment scheme.

Business

Development

Strategic

Consulting

SEPA

Corporate

Coaching

New

solutions


ING

THE COMPANY Global financial institution with more than

85 million private, corporate and institutional clients in

more than 40 countries, served by a diverse workforce of about 110,000 people.

THE JOB Advise the Senior Management on key aspects of cards &

payments, in particular regarding organisational structures,

product management, operational improvement, process &

procedural assessment, cost reduction, and commercial

negotiations with schemes and suppliers

Looked various aspects of card operations, in particular at

the restructuring of identifiers (savings estimated at

4 million euro / year), investigated chargebacks, audited the

MasterCard billing, compliance…

Strategic

Consulting

SEPA


Keyware

THE COMPANY Second largest Network Service Provider in Belgium.

Created in 1996.

Provider of Value Added Transaction Processing Services,

with products and applications in the field of electronic payment,

customer loyalty, e-identity, transaction processing and

multi-application payment terminals.

THE JOB C-Management Team on new opportunities arising

from the implementation of SEPA and create new service

offerings for acquirers and banks in the Belgian marketBusiness

Development

Strategic

Consulting

SEPA

New

solutions


BNP PARIBAS

THE COMPANY European leader in global banking and financial services

(one of the six strongest banks in the world).

4 domestic retail banking markets (France, Italy, Belgium

and Luxembourg) : total of 16 million retail clients

International networks with operations in 84 countries

(202,500 employees)

THE JOB Advise the Senior Management Team of the Group on

their future cards & payments strategy (2015-2020) and

construct a Strategic White Paper

Strategic

Consulting

SEPA


EMPIRIA GROUP

THE COMPANY Organiser of major conference in payments systems,

focusing on payment acceptance, e-commerce and mobile.

Creating a platform to showcase major changes in the industry, to review

innovations, and to discuss issues

Organiser of the yearly Merchant Payments Ecosystem conference

THE JOB Advise the Management Team of the Group regarding the

conference programme

Chairman of the Guiding Hand Awards : looking for the best

innovations in the payment acceptance industry

Strategic

Consulting

Corporate

Coaching


IDES TECHNOLOGIES

THE COMPANY Start-up company specialised in risk management and

fraud detection tools.

Unique solution based on statistical pattern recognition, converted from a

successful solution in the medical sector

THE JOB Advise and assist the Board of Directors & Management Team

of the company in putting a business plan together,

search for investors, and set-up the organisation of the companyBusiness

Development

Corporate

Coaching

Strategic

Consulting


ADVALVAS

THE COMPANY Company specialised in complex e-invoicing

environments

Solutions for various sectors : parts, leasing, telecom, payment cards

THE JOB Advise the Board of Directors & Management Team

of the company concerning the payment card business

Business development plan banking

Corporate

Coaching

Strategic

Consulting

Business

Development


BUREAU EUROPEEN DES UNIONS DE

CONSOMMATEURSTHE COMPANY Defending the interests of consumers at the regulatory

Created in 1962

42 independent national consumer organisations from 31 European countries

THE JOB Define the consumer requirements for payments

Create a White Paper on consumer retail payments

for the regulatoryStrategic

Consulting


WIPRO

THE COMPANY Global information technology, consulting and

outsourcing company

145,000 employees serving over 900 clients in 57 countries.

2012 posted revenues of $6.9 billion

THE JOB Provide strategic advice regarding payment markets

Benelux – Germany – Italy

Coach the team in charge of answering an RFI / RFP for a

main transaction processorStrategic

Consulting

Corporate

Coaching

RFP support

Outsourcing


Tescobank

THE COMPANY Created in 1997, jointly owned by Tesco and RBS, now fully owned by Tesco

2,818 employees and posted revenues of 702.3 million GBP (2011-2012)

2.8 million credit cards, mainly MasterCard branded

In co-operation with Profit Technologies

THE JOB Analyse the MasterCard billing and costs, as an indicator for cost assessment,

audit of expenses, and performance of underlying business processes

Identify opportunities for cost reduction and increase of revenues

Identify missing or incomplete business processesStrategic

Consulting


bpost

THE COMPANY Created in 2010, jointly owned by the Belgian State (50.01%), Post Invest Europe

(19.67%) and the public (29.87%)

670 post offices and 670 PostPoints around Belgium

Delivering 10 million letters and 100,000 parcels on a daily basis

THE JOB Paper invoices are a key core business line for bpost (about 900 million paper

invoices distributed on a yearly basis)

This business is under threat by electronic invoicing and by cheap

service providers from abroad

Mission was to identify new value added services to the paper

invoice : through the print of a QR Code on the paper invoice

an electronic payment facility could be offered to the consumer

Strategic

Consulting


PAYMENT SERVICES MARKET EXPERT

GROUP / EUROPEAN COMMISSIONTHE COMPANY

One of the main objectives of the Union is to ensure

the proper functioning of the internal market, of which payment services are an essential part. In a

context of rapid innovation and technological progress, it is important for the internal market to have

sound, user-friendly, efficient and secure payment systems, for the benefit of service providers and users

alike

Composed of individuals with the requisite expertise in the area of payment systems

THE JOB The task of the Group shall be :

– to assist the Commission in the preparation of legislative acts or policy initiatives

regarding payment systems, including fraud prevention issues related to the

payment industry and users;

– to provide insight concerning the practical implementation of that policy;

– to exchange views on up-to-date best practices and ensure monitoring of

potential issues of concern for the market.

Strategic

Consulting


RS2 ADVISORY BOARD

THE COMPANY RS2 Software p.l.c., is a global provider of

Card Management Systems software, IT consultancy and related services to

international and domestic banks, service providers, and other financial

organisations.

THE JOB The Advisory Board will guide the company to expand further

its operations and to keep on enhancing

its BankWorks product in order to remain

competitive in the cards and payment industry

Strategic

Consulting


Analyst Consultations

THE SERVICE “Analyst Consultations” are usually sessions, whereby specialists seek the

vision of experts regarding the future evolution in a sector, a market, a

business line, of even a particular, individual business or organisation

(corporation or association, or any kind of organisational form) or seek

recommendations regarding future business actions or business ventures;

mostly because of a particular business development or supporting the case

for a financial investment.

THE JOB Done Analyst Consultations for several capital venture or financial

investment groups on various subjects, such as SEPA, the Turkish

POS market, the German credit card industry, the acquiring

market in Brazil, meal voucher business, ….


CustomersAnalyst

Consultations

https://ww4.janus.com/Janus/Retail/StaticPage?jsp=jsp/umbrella/UmbrellaPage.jsp

https://ww4.janus.com/Janus/Retail/StaticPage?jsp=jsp/umbrella/UmbrellaPage.jsp

http://www.baincapital.com/Default.aspx

http://www.baincapital.com/Default.aspx

49

NAOME is part of a Pan-European network,

using the common N2Finance network brand

The main activities :

– Business Development

– Strategic Consultancy

– Solution-based Change Management

Focus area’s : payments– SEPA & innovative payment services (inclusive cards systems, credit transfer, direct debit)

– National payment systems & co-operative structures (inclusive fee structures & interchange)

– e-Communities

– e-Invoicing

– Mobility & leasing solutions

– Identification & security systems

– Telco payment services

15/09/2015

© 2010 N2Finance

CONFIDENTIAL

Pan-European Network

50 15/09/2015

© 2010 N2Finance

CONFIDENTIAL

Facing the Future

of Finance THE TAGLINE

Facing :

– N2Finance experts are seasoned and experienced to face the problem of today’s

financial world

– Because of their experience and expertise, N2Finance experts can quickly identify

the key issues in the financial business, define and scope the problem, and propose

effective remediation

Future :

– Key to the N2Finance expertise is a vision of the future of the financial sector, in

various business segments, geographies, technologies, products & services

Finance :

– The activity domain of N2Finance is limited to the financial sector

– N2Finance experts reach out to the entire value chain of payment in the financial

sector, and all related support activities

51

N2Finance is probably the first implementation of the concept of Network

Externalities in a European Business Development environment :

prospect corporations come to N2Finance because it’s Experts have a

large network of C-level contacts in the European financial sector

Those contacts enable :

– To bring clients and customers effectively together

– To understand new trends and innovative solutions

– To assess the strategic direction of the European financial markets

15/09/2015

© 2010 N2Finance

CONFIDENTIAL

Business Development

52 September 15, 2015© 2004 N2€

New solutions

to market

European

corporations

Network

externa-

lity

Strategic

vision on

business

development

Solutions

in

portfolio

Global

changing

economy

In search

of new

business

In search

of new

solutions

Innovators

Operating models

based on …The operating model is based on the premise that companies offering new solutions and companies needing new solutions are not in direct contact with each other

53

N2Finance experts have a vision of the Future of the financial sector,

and constantly check this Vision versus new developments, innovations,

and trends (political, social, economic, geographical, cultural, …)

N2Finance follows the strategic moves of it’s corporate network

closely : what does the sector need and what does the sector require

N2Finance is at the heartbeat of new technologies, products &

services : what works versus what doesn’t work (yet)

N2Finance has a massive expertise ingrained in it’s seasoned experts

15/09/2015

© 2010 N2Finance

CONFIDENTIAL

Strategic Consulting

54

N2FINANCE groups

45 experts covering

22 European markets

Covering all aspects of

payments :

– Credit transfers

– Direct debit

– Giro payments

– Card payments

– Online payments

– Mobile payments

– Virtual currencies

15/09/2015

© 2010 N2Finance

CONFIDENTIAL

Europeanexperts


CONTACT :

Leon DhaeneManaging Director - NAOME bvba

Chairman – N2FINANCE

Member of the European Commission Payment Systems Market Expert Group / Directorate General Internal Market and Services

E-mail :

[email protected]

Tel. +32-473-642249

Thank you for your attention…

mailto:[email protected]

naome n2finance at work 20150401

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