Innovative Payment solutions

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1 Innovative Payment solutions The future revealed 1 Innovative Payment solutions

2 A thorough strategy to turn trends and ideas into profitable business solutions Spirit, dedication and knowledge With spirit, dedication and knowledge we find new business opportunities for you in changing markets. What s more, we turn trends and ideas into concrete new business solutions. Our innovation strategy is to focus on your future business by helping you, as a customer, to: - turn trends and ideas into cost-saving business solutions target emerging markets develop new, profitable products and technologies be an incubator for new services Equens combines this strategy for innovation with over forty years of proven experience in the payments industry. Besides offering an extensive portfolio of payment and card-related services, we also aim to discover and disclose the full potential of new services in several markets. The result: a successful product line of innovative solutions. 1 Innovative Payment solutions

3 Convenience, speed and cash replacement We are always on the lookout for improvements, such as convenience, speed and cash replacement, all of which offer considerable advantages for banks, merchants, mobile operators and consumers. It goes without saying that all our innovative services comply with the highest European security standards. Together with our business partners and clients we develop the overall business model. Rather than limiting ourselves to standard solutions, our pragmatic approach combines creativity with efficiency to realise a practical and profitable business solution. We take every aspect into consideration: from business requirements to marketing & communication, from building a community to setting up a business case, thus empowering you to clear the hurdles on the way to a mass roll-out on a European scale. Combination of creativity and efficiency clears the way for a mass roll-out on a European scale 2 Innovative Payment solutions

4 Innovative solutions Over the last years Equens has implemented several innovative payment solutions in the market. What s more, we investigate new technological developments as we always aim to provide our clients with payment solutions that offer maximum convenience and increased efficiency for their customers. - Mobile Financial Services - Mobile Top-up P2P (Person-to-Person payments) Proximity payments - E-invoicing Contactless Payment Services - Biometric Services 3 Innovative Payment solutions

5 Mobile Financial Services: the future today Paying for your shopping? Buying a parking ticket? Topping up your phone? Making a payment to somebody else? Your payment is only one phone call away. Equens has been the driving force behind the development and implementation of three lines of Mobile Financial Services. And in the fast-moving mobile market, we keep on discovering new opportunities and developing new services. Driving force behind innovative business models for the mobile payment market 4 Innovative Payment solutions

6 Three proven Mobile Financial Services Mobile Top-up: With the Mobile Top-up Service we offer mobile operators independence from third-party voucher distributors. It provides consumers with an around-the-clock top-up option. P2P payments: We implemented Person-to-Person (P2P) payments to enable banks to offer their customers the option of paying by text message from a stored value account. Proximity payments: We organise the hosting of proximity payments for several parties. These payments accelerate a wide variety of consumer payments, such as parking, shopping and public transport. 5 Innovative Payment solutions

7 Working on a fully operational network across the eurozone E-invoicing: the future of Europe E-invoicing is the future. Corporates and consumers require hassle-free delivery of invoices all over Europe. Several e-invoicing providers have successfully implemented local solutions, which can be considered a first step. Now there is a definite need for reach throughout the EU. We act as a linking pin to bridge providers local solutions, enabling banks, corporates and service providers to extend their reach throughout Europe. Currently, we are creating reach between e-invoicing communities, both nationally and across borders. We have already connected local e-invoicing solutions in Belgium, Finland, Italy and the Netherlands. The development of a European solution depends entirely on standardisation and legal compliance. Consequently, we also fulfil an active role in the European Commission s Expert Group on e-invoicing. Our efforts are geared towards realising a fully operational network across the eurozone. 6 Innovative Payment solutions

8 Contactless Payment Services: the future within reach No waiting, no signing, no queuing and no fumbling for change. Contactless payments are ideal for low-value payments in environments where speed is essential, like quick-service restaurants, petrol stations and events. Contactless services allow you to perform transactions without swiping a card or using a PIN. Wireless communication solutions enable the introduction of a variety of new efficient payment methods, which offer speed and convenience to the user. Contactless payments are already a proven method in the USA and the UK. The rest of Europe is yet to come. We are preparing our systems to accept contactless payments from all over Europe based on the internationally accepted, standardised contactless brands such as MasterCard PayPass. Developments are being made quickly and Equens is focusing on the technical preparations required for a mass roll-out, with the intention of extending our broad range of payment possibilities with contactless card payments in Contactless payments are only one step away. Preparing for a fast implementation on the European continent 7 Innovative Payment solutions

9 Biometric Services: showing the future Paying with your fingerprint? Biometric payments may become reality sooner than you think. Technological developments are being made quickly and user acceptance in this field is significant. Biometric payments offer convenience for consumers and increased efficiency for merchants. Paying by just being you, instead of using cash, cards or phones is something consumers consider highly convenient. Merchants can reduce their cash handling, and thus increase their efficiency. Nevertheless, Biometric Services are more than simply a payment method. Biometric technology can be used for a variety of purposes, such as identification at your bank, your health insurance, or as a way to obtain your loyalty card discount and redeem vouchers. As a market leader we are currently exploring the concept of Biometric Services. We can help banks and other customers implement the numerous possibilities. Exploring the options of a revolutionary payment method 8 Innovative Payment solutions

10 More information? T +31 (0) E 9 Innovative Payment solutions

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