Emerging gtrends and Innovation in Payments

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Emerging gtrends and Innovation in Payments"

Transcription

1 Emerging gtrends and Innovation in Payments

2 Introduction & Agenda Transaction Network Services is the strategic partner driving payments behind the Civica ICON solution Some headline facts about TNS: We handle >15 billion card payment transactions per annum globally We operate specialist payment gateways covering Europe, AsiaPac, and North America ~75% of all UK card payments come across our network We provide services to 9 out of 10 of the largest UK retailers Our UK settlement service handled > 238 Billion in 2013 TNS has operated td as a key player in the global l payments since 1990 We understand payments and drive/support innovation in the market

3 European Electronic Payments Overview UK 2012 France 2012 Germany Billion Billion Billion 10.3 Billion Txns 9% CAGR Billion 8.4 Txns 3.2 Billion Txns 7% CAGR 9% CAGR Italy 2012 Spain 2012 Ireland Billion Billion Txns 5% CAGR Billion 24.3 Billion Billion Txns 035Billion Txns 4% CAGR % CAGR The above headline numbers of European electronic payments include all consumer card payments at POS (card present) and e-commerce (card not present)

4 Major trends identified across entire stakeholder framework Market research was conducted to identify the major trends in the payments ecosystem Stakeholder Framework Consumer Merchant Payment Technology Provider Acquiring Bank Card schemes & issuers New Entrants

5 6 major trends were identified Major trend #1: Several of the key participants are expanding their activities across the payments ecosystem Major trend #2: The usage of alternative payment methods (APMs) is no longer nascent Major trend #3: Merchants and providers are adopting new business models for the acceptance and processing of payments Major trend #4: With a shift in customer shopping behaviour merchants want to be responsive but need to invest in technology Major trend #5: Regulatory changes have affected the whole payments industry in the last 10 years and will continue to have impact Major trend #6: A number of new players and entrants into the acceptance ecosystem are looking to disrupt the value chain

6 Technology & consumer adoption will drive future payments Cloud computing Physical Digitalit

7 Online vs Offline = Integrated multichannel Cards offline Cards online M Wallet There is a blurring of what is offline and online Online Prepaid Offline Prepaid

8 The customer takes centre stage POS Terminal Customer Centric Design New devices E Commerce Mobile Social lcommerce

9 Redesign of the point of sale Combining virtual and physical worlds Adidas Marks & Spencer

10 Mobile shopping today Seoul South Korea London Paris Chicago

11 Virtual mirrors

12 Click and collect expected to reach 20 to 25bn by 2018

13 Increasing consumer awareness of contactless Progressive Contactless Markets Nascent Contactless Markets UK Italy Contactless terminals: 158,000 Contactless terminals: 6,000 Contactless cards: 34.5 million Contactless cards: ~ 1 2 million Number of transactions: 6 7 million Number of transactions: n/a France Contactless terminals: 100, ,000 Contactless cards: 12.3 million Number of transactions: million Spain Contactless terminals: 180, ,00 Contactless cards: 3 4 million Number of transactions: 1 2 million Germany Contactless terminals: 15,000 20,000 Contactless cards: 2 million Number of transactions: n/a Ireland Contactless terminals: 6,000 Contactless cards: 1 2 million Number of transactions: 0.5 million Sources: UKCA, CB, Visa, MasterCard, NFC Times (all figures are 2012/2013)

14 NFC Payments - Ti Trials ongoing with Visa and MasterCard Other major players are also driving their own branded alternatives By 2017 one in three mobile phones will come with NFC

15 Mobile Payment Acceptance

16 Mobile Point of Sale &Tablets A buzz in retail around MPOS & Tablets Will bring new POS players to market Transition for existing market players Strong products will win through

17 The push for recurring payments on card The UK DD & STO market was worth 4.15 Trillion in 2012 Merchants concerned about card expiry during life of payment cycle Visa & MasterCard have both developed Updater Services to address the issue Other benefits inc: Support for International customers Immediate confirmation of result No customer penalty fees for declines Merchant has more control

18 New business models are being adopted...has the ability to fundamentally change the economics in acquiring it is not about payments anymore!!! Payment processing costs 2.75% When combined with advertising & loyalty 0% (no acquiring bank can compete)

19 Security & Simplicity are key. What are the key challenges you face to accept payments? 55% 55% No 32% Security & simplicity for 45% 42% consumers are the top concerns Yes 68% for payment py acceptance 33% 18% 12% Source: EDC 2013 Retailer Survey

20 Shift of power and influence from the bank to the consumer High Po ower and influen nce Bank Bank Branch Merchant High Street Shop Consumer Bank Merchant Internet Banking High St & Web Shop Consumer Smartphone & tablet Merchant Multichannel Consumer Bank Low Yesterday Today Time Tomorrow

21 Conclusions and recommendations

22 Conclusions.. Trusted Payment Partners are key Evolution not revolution Use appropriate payment methods Changing consumer behaviour is never easy A consistent way to pay Don t neglect the core requirements

23 Thank You John Walls Business Development Director Merchants & Partners

E-Commerce payment trends. Petr Polak Senior Sales Manager Czech Republic and Slovakia

E-Commerce payment trends. Petr Polak Senior Sales Manager Czech Republic and Slovakia E-Commerce payment trends Petr Polak Senior Sales Manager Czech Republic and Slovakia 1 Visa Europe European Payment System One VISA Future Visa Europe and Visa Inc. announced today their intention to

More information

Opinion piece. The mobile wallet already exists! It s called mobile banking. By Simon Cadbury Head of Strategy & Innovation Intelligent Environments

Opinion piece. The mobile wallet already exists! It s called mobile banking. By Simon Cadbury Head of Strategy & Innovation Intelligent Environments Opinion piece The mobile wallet already exists! It s called mobile banking By Simon Cadbury Head of Strategy & Innovation Intelligent Environments What do we mean by a Mobile Wallet? The term Mobile Wallet

More information

Emerging Payments Forum

Emerging Payments Forum Emerging Payments Forum Barclaycard Perspective Philip McHugh, Chief Finance Officer - Barclaycard 29 th March 2011 Presentation Content Overview of Barclaycard Emerging Trends Innovation in the Digital

More information

Contactless Payments. Björn Salomon-Sörensen, Account Director - Swedbank November 11, 2015

Contactless Payments. Björn Salomon-Sörensen, Account Director - Swedbank November 11, 2015 Contactless Payments Björn Salomon-Sörensen, Account Director - Swedbank CONTACTLESS BASICS AND BENEFITS What s Inside MasterCard Contactless? Similar to a standard MasterCard card with some differences.

More information

Payments Gateways Opportunities for Acquirers

Payments Gateways Opportunities for Acquirers Payments Gateways Opportunities for Acquirers Peter Jones November 2011 Europe s acquiring market place has never been more competitive. All players are chasing revenues and volumes with the expectation

More information

We make cards and payments work for people as a part of everyday life. We bring information to life

We make cards and payments work for people as a part of everyday life. We bring information to life We make cards and payments work for people as a part of everyday life We bring information to life 2 EVRY is a leading IT company in the Nordic region. Through advice, technology and solutions, EVRY brings

More information

Mobile Financial Services

Mobile Financial Services Mobile Financial Services CANTO AGM 2014 January 27, 2014 27 janvier 2014 1 Agenda MoreMagic and Oberthur Technologies International TopUp and White label The Digital Revolution The Caribbean Opportunity

More information

MOBILE PAYMENT IN THE EU: ROLE OF NFC. Gerd Thys Product Manager Clear2Pay Open Test Solutions (OTS) gerd.thys@clear2pay.com

MOBILE PAYMENT IN THE EU: ROLE OF NFC. Gerd Thys Product Manager Clear2Pay Open Test Solutions (OTS) gerd.thys@clear2pay.com MOBILE PAYMENT IN THE EU: ROLE OF NFC Gerd Thys Product Manager Clear2Pay Open Test Solutions (OTS) gerd.thys@clear2pay.com READY FOR MOBILE PAYMENT AT THE PUMP? Germany : One in three willing to pay for

More information

www.footfall.com +44 (0) 121 711 4652 ARE CLICKS CRUSHING BRICKS? Ecommerce and the digital influence on bricks-and-mortar retail

www.footfall.com +44 (0) 121 711 4652 ARE CLICKS CRUSHING BRICKS? Ecommerce and the digital influence on bricks-and-mortar retail www.footfall.com +44 (0) 121 711 4652 ARE CLICKS CRUSHING BRICKS? Ecommerce and the digital influence on bricks-and-mortar retail Rumours of the store s death are greatly exaggerated Traditional retail

More information

Payment Cards in Malaysia : Redefining the Way to Pay

Payment Cards in Malaysia : Redefining the Way to Pay Payment Cards in Malaysia : Redefining the Way to Pay Mr. Perry Ong Chairman, National Cards Group (NCG) Payment System Forum and Exhibition 2014 Sasana Kijang, Kuala Lumpur 27 November 2014 Source : EvolutionOfPayments

More information

A RE CARD BRANDS DISAPPEARING

A RE CARD BRANDS DISAPPEARING February 2016 A RE CARD BRANDS DISAPPEARING AT THE POS? Mobile payment brands are taking hold The major card payment brands cannot be complacent if they want to remain the dominant payment brands. The

More information

A Future Without Secrets. A NetPay Whitepaper. www.netpay.co.uk www.netpay.ie. more for your money

A Future Without Secrets. A NetPay Whitepaper. www.netpay.co.uk www.netpay.ie. more for your money A Future Without Secrets A NetPay Whitepaper A Future Without Secrets The new business buzz word is Big Data - everyone who is anyone in business is talking about it, but is this terminology just another

More information

MOBILE NEAR-FIELD COMMUNICATIONS (NFC) PAYMENTS

MOBILE NEAR-FIELD COMMUNICATIONS (NFC) PAYMENTS MOBILE NEAR-FIELD COMMUNICATIONS (NFC) PAYMENTS MAY 2013 THESE TECHNOLOGIES ARE BECOMING CONVENIENT AND SIMPLE WAYS TO PAY. Every day merchants seek better ways to grow their business and improve efficiency.

More information

Visa s Future of Payments Update on recent activities

Visa s Future of Payments Update on recent activities Visa s Future of Payments Update on recent activities May 2012 For Visa Internal Use Only. This information is not intended, and should not be construed, as an offer to sell, or as a solicitation of an

More information

Optimal Payments Plc

Optimal Payments Plc Optimal Payments Plc Cash is dead: the future of payments Collins Stewart Hawkpoint Technology Group Seminar London, 5 October 2011 1 Agenda 1 Introduction to Optimal Payments 2 The changing face of payments

More information

On the shoulders of contactless payments

On the shoulders of contactless payments Digital economy and structural change E-Banking Snapshot 38 August 11 On the shoulders of contactless payments Author Thomas Meyer +49 9 9-483 thomas-d.meyer@db.com Editor Antje Stobbe Technical Assistant

More information

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 Mobile Commerce Report Methodology Individual transaction data analyzed How can marketers use this data? Over 3,000 online retail

More information

prepaid Prepaid Launch the ideal prepaid card scheme for your business quickly and efficiently

prepaid Prepaid Launch the ideal prepaid card scheme for your business quickly and efficiently prepaid Launch the ideal prepaid card scheme for your business quickly and efficiently services can help you manage everything from gift vouchers and social welfare benefits, to meal cards, corporate rewards,

More information

Position Paper. issuers. how to leverage EC s regulation proposal. on interchange fees for card-based payment transactions

Position Paper. issuers. how to leverage EC s regulation proposal. on interchange fees for card-based payment transactions Position Paper issuers how to leverage EC s regulation proposal on interchange fees for card-based payment transactions The issuing landscape has dramatically changed over the last few years increased

More information

Mobile Payments in the Netherlands. Picture Michel Drupsteen Senior Business Consultant, ING

Mobile Payments in the Netherlands. Picture Michel Drupsteen Senior Business Consultant, ING Mobile Payments in the Netherlands Picture Michel Drupsteen Senior Business Consultant, ING ING on Mobile Beliefs & MBN cooperation Michel Drupsteen ING, Business strategy MBN, Core Team EPCA Payment Summit

More information

GLOBAL MOBILE PAYMENT METHODS: FIRST HALF 2015

GLOBAL MOBILE PAYMENT METHODS: FIRST HALF 2015 PUBLICATION DATE: AUGUST 2015 PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-8 TABLE OF CONTENTS I PAGE 9 REPORT-SPECIFIC SAMPLE CHARTS I PAGE 10 METHODOLOGY I PAGE 11 RELATED REPORTS I PAGE

More information

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 Mobile Commerce Report Methodology Individual transaction data analyzed How can marketers use this data? Over 3,000 online retail

More information

Online Shopping Trends

Online Shopping Trends Online Shopping Trends Jo Lawrence - Senior Relationship Manager, DataCash a MasterCard company Raimonds Keris - E-Commerce Baltic Product Manager - Swedbank Who is DataCash? DataCash is part of the MasterCard

More information

Business white paper Mobile payments

Business white paper Mobile payments Business white paper Mobile payments Setting standards and gaining customer loyalty Business white paper Page 2 Mobile payments With the rapid development of electronic systems and technology, the adoption

More information

US Mobile Payments. Primed for Growth

US Mobile Payments. Primed for Growth US Mobile Payments Primed for Growth By Todd Bricker and Shahzad Zia Momentum is building in the US for in-store mobile payments as smartphone ecosystem leaders unveil enhanced mobile payment platforms.

More information

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th

Profit earner or cost driver? A combined view of retail banking and payments. Bertrand Lavayssière Frankfurt, May 25th Profit earner or cost driver? A combined view of retail banking and payments Bertrand Lavayssière Frankfurt, May 25th Payments are crucial for Retail Banking Retail banking revenues are rather stable and

More information

Prepay Solutions (PPS)

Prepay Solutions (PPS) PrePay Solutions Prepay Solutions (PPS) UK pioneer in prepaid leading the sector for the last 10 years with continued innovation delivering successful prepaid programs throughout Europe 2 PPS in the Digital

More information

CANADA VS THE USA - THE CONTRAST AND LESSONS FOR MOBILE PAYMENTS

CANADA VS THE USA - THE CONTRAST AND LESSONS FOR MOBILE PAYMENTS CANADA VS THE USA - THE CONTRAST AND LESSONS FOR MOBILE PAYMENTS Presented by: Jacqueline Chilton, Founding Partner, Muration Group Catherine Johnston, President & CEO ACT Canada Muration Group 2014 2

More information

World-wide trends in innovation on the acquiring side

World-wide trends in innovation on the acquiring side World-wide trends in innovation on the acquiring side CPSS-World Bank retail payments forum Perugia, March 19 th 2013 Edgar, Dunn & Company, 2013 Yogesh Oka Yogesh.Oka@edgardunn.com David Poe David.Poe@edgardunn.com

More information

GLOBAL ONLINE PAYMENT METHODS: FIRST HALF 2015

GLOBAL ONLINE PAYMENT METHODS: FIRST HALF 2015 PUBLICATION DATE: JULY 2015 PAGE 2 GENERAL INFORMATION I PAGE 3 KEY FINDINGS I PAGE 4-9 TABLE OF CONTENTS I PAGE 10 REPORT-SPECIFIC SAMPLE CHARTS I PAGE 11 METHODOLOGY I PAGE 12 RELATED REPORTS I PAGE

More information

A CHASE PAYMENTECH WHITEPAPER. Building customer loyalty in a multi-channel world Creating an optimised approach for e-tailers

A CHASE PAYMENTECH WHITEPAPER. Building customer loyalty in a multi-channel world Creating an optimised approach for e-tailers A CHASE PAYMENTECH WHITEPAPER Building customer loyalty in a multi-channel world Creating an optimised approach for e-tailers Table Of Contents Changing shopping habits... 3 The multi-channel journey...

More information

International Processing for the Financial Industry

International Processing for the Financial Industry Payment Services International for the Financial Industry State-of-the-art transaction processing and an unparalleled bandwidth of operational services to support banks and payment service providers worldwide.

More information

We believe First Data is well positioned to take advantage of all of these trends given the breadth of our solutions and our global operating

We believe First Data is well positioned to take advantage of all of these trends given the breadth of our solutions and our global operating Given recent payment data breaches, clients are increasingly demanding robust security and fraud solutions; and Financial institutions continue to outsource and leverage technology providers given their

More information

Global Online Payment Methods: First Half 2015

Global Online Payment Methods: First Half 2015 Brochure More information from http://www.researchandmarkets.com/reports/3378379/ Global Online Payment Methods: First Half 2015 Description: Around the world, the online and mobile payments environments

More information

Nordea Cards and Mobile Payments. Lars Boström, Head of Nordea Cards & Mobile Payments Juha Risikko, Head of Mobile & Emerging Payments

Nordea Cards and Mobile Payments. Lars Boström, Head of Nordea Cards & Mobile Payments Juha Risikko, Head of Mobile & Emerging Payments Nordea Cards and Mobile Payments Lars Boström, Head of Nordea Cards & Mobile Payments Juha Risikko, Head of Mobile & Emerging Payments Agenda Nordea Cards and Mobile Payments in brief Change drivers for

More information

SIA CARD PROCESSING. Advanced, secure and digital payment solutions

SIA CARD PROCESSING. Advanced, secure and digital payment solutions SIA CARD PROCESSING Advanced, secure and digital payment solutions Best-in-class solutions suitable for any type of client to make them achieve a competitive edge SIA complete range of issuing and acquiring

More information

Why a mobile wallet is your key to multi-channel selling David Jokinen, Product Director. Wednesday 25 th April 2012

Why a mobile wallet is your key to multi-channel selling David Jokinen, Product Director. Wednesday 25 th April 2012 Why a mobile wallet is your key to multi-channel selling David Jokinen, Product Director Wednesday 25 th April 2012 Overview Sales channels Channel characteristics Regional stereotypes Scheme classifications

More information

UK Card Payments 2015

UK Card Payments 2015 UK Card Payments 2015 THE UK CARDS ASSOCIATION Cards are the most popular payment method in the UK by value. They allow cardholders to pay for goods and services easily, conveniently and securely. Card

More information

Credit Card Processing Overview

Credit Card Processing Overview Credit Card Processing Overview New Agent Development Training First Data Learning Organization Copyright 2009, First Data Corporation. All Rights Reserved. Developed by: 26 Rev: 01/23/09/1.0 Objectives

More information

Company Profile. Fourth quarter 2014

Company Profile. Fourth quarter 2014 Company Profile Fourth quarter 2014 CartaSi SpA Azienda del Gruppo ICBPI Corso Sempione 55 20145 Milano T. +39 02 3488.1 F. +39 02 3488.4180 www.cartasi.it CartaSi S.p.A. is the leading company in Italy

More information

PREPAID OPENING A WORLD OF PAYMENT POSSIBILITIES

PREPAID OPENING A WORLD OF PAYMENT POSSIBILITIES PREPAID OPENING A WORLD OF PAYMENT POSSIBILITIES EXECUTIVE SUMMARY Prepaid cards have received much attention over the past years and the prepaid market is now booming and offers a world of opportunities.

More information

Inside the Mobile Wallet: What It Means for Merchants and Card Issuers

Inside the Mobile Wallet: What It Means for Merchants and Card Issuers Inside the Mobile Wallet: What It Means for Merchants and Card Issuers Welcome to the age of Universal Commerce commerce that is integrated, personalized, secure, open, and smart. The lines between in-store

More information

Innovation in Payments. 14th May 2014 REI Retail Retreat

Innovation in Payments. 14th May 2014 REI Retail Retreat Innovation in Payments 14th May 2014 REI Retail Retreat About PaymentPlus 14 th May 2014 About PaymentPlus Founded in 2011 100% Irish owned Based in Rathfarnham, Dublin Management team with over 40yrs

More information

2016 OUTLOOK: GLOBAL PAYMENTS

2016 OUTLOOK: GLOBAL PAYMENTS December 2015 2016 OUTLOOK: GLOBAL PAYMENTS Disruption across the industry a global theme Around the world, new entrants (including start-ups and nontraditional players) are entering the payments industry.

More information

WIRECARD FUTURE OF PAYMENTS. MainFirst Insights to Go Web Conference January 22, 2015

WIRECARD FUTURE OF PAYMENTS. MainFirst Insights to Go Web Conference January 22, 2015 WIRECARD FUTURE OF PAYMENTS MainFirst Insights to Go Web Conference January 22, 2015 1. MARKET READINESS FOR MOBILE PAYMENTS IS ACCELERATING NFC: Facts & Figures According to Visa Europe (January 2015),

More information

The Future of Mobile Payment. Christopher Boone President & CEO, Cimbal Inc. E: T: (650)

The Future of Mobile Payment. Christopher Boone President & CEO, Cimbal Inc. E: T: (650) The Future of Mobile Payment Christopher Boone President & CEO, Cimbal Inc. E: chris@cimbal.com T: (650) 743-2732 September 24, 2013 Who is This Guy? Christopher Boone President & CEO, Cimbal, Inc. 20

More information

Position Paper - Acquirers. acquire. maximum business advantage. from new EU Regulation on interchange. fees for card-based payment transactions

Position Paper - Acquirers. acquire. maximum business advantage. from new EU Regulation on interchange. fees for card-based payment transactions Position Paper - Acquirers acquire maximum business advantage from new EU Regulation on interchange fees for card-based payment transactions The payment landscape has changed a lot over the last few years.

More information

TOURISM INNOVATIVE PAYMENT SOLUTIONS. Efficient, flexible, worldwide and secure

TOURISM INNOVATIVE PAYMENT SOLUTIONS. Efficient, flexible, worldwide and secure TOURISM INNOVATIVE PAYMENT SOLUTIONS Efficient, flexible, worldwide and secure 2 THE FUTURE OF PAYMENT FOR THE TOURISM AND TRAVEL BUSINESS The PERFECT PARTNER Wirecard is one of the world s leading independent

More information

Customer Experience solution

Customer Experience solution Customer Experience solution Mobile Loyalty and Payments, Arjan Vissers, Marcel Cauli 8-October-2013 Agenda Atos Worldline Background Innovations for merchants Customer Experience Solution overview Payment

More information

Brochure More information from

Brochure More information from Brochure More information from http://www.researchandmarkets.com/reports/3674047/ Global Mobile Point Of Sales (mpos) Terminals Market Size, Market Share, Application Analysis, Regional Outlook, Growth

More information

bi on Solution white paper

bi on Solution white paper bi on Solution white paper Billon Solution Overview Despite concerted efforts for years, cash has not yet been eliminated. Mostly because not everyone has a bank account and debit card - an estimated 2.5

More information

Competition policy brief

Competition policy brief Issue 2015-3 June 2015 ISBN 978-92-79-38783-8, ISSN: 2315-3113 Competition policy brief Occasional discussion papers by the Competition Directorate General of the European Commission The Interchange Fees

More information

The Future of Mobile Payment. Christopher Boone President & CEO, Cimbal Inc. E: chris@cimbal.com T: (650) 743-2732

The Future of Mobile Payment. Christopher Boone President & CEO, Cimbal Inc. E: chris@cimbal.com T: (650) 743-2732 The Future of Mobile Payment Christopher Boone President & CEO, Cimbal Inc. E: chris@cimbal.com T: (650) 743-2732 April 23, 2014 A Little About Me Christopher Boone President & CEO, Cimbal, Inc. 20 years

More information

FIVE MOST IMPORTANT TRENDS IMPACTING M-COMMERCE

FIVE MOST IMPORTANT TRENDS IMPACTING M-COMMERCE FIVE MOST IMPORTANT TRENDS IMPACTING M-COMMERCE Michelle Evans Consumer Finance Senior Analyst Euromonitor International @Euromonitor @MEvans14 THE FIVE TRENDS SHAPING MOBILE PAYMENTS TODAY Euromonitor

More information

Omnichannel Payments

Omnichannel Payments Omnichannel Payments The Connected Consumer The way consumers buy goods and services is changing profoundly We now exist in a truly global, connected and digital world. A world of choice that lets us purchase

More information

Payment Services. Issuing Processing. Product & Service Portfolio for Retailers

Payment Services. Issuing Processing. Product & Service Portfolio for Retailers Payment Services Issuing Processing Product & Service Portfolio for Retailers New card business models generate profit for retailers Generate additional revenue and improve customer loyalty A payment card

More information

Infosys Mobile Payment Services

Infosys Mobile Payment Services Banking Sourcing Vendor Profile of: Infosys Mobile Payment Services 1. Background... 1 2. Revenue Summary... 2 3. Key Offerings... 3 4. Delivery Capability and Partnerships... 6 5. Target Markets... 7

More information

Latest and Future development of Mobile Payment in Hong Kong

Latest and Future development of Mobile Payment in Hong Kong Latest and Future development of Mobile Payment in Hong Kong About oti Founded in 1990 (NASDAQ: OTIV). Offices in US, Europe, Africa, Asia Global provider of cashless payment solutions Experts in secured

More information

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 Mobile Commerce Report Methodology Individual transaction data analyzed How can marketers use this data? Over 3,000 online retail

More information

Individual card solutions and flexible concepts globally usable. The whole world of efficient loyalty and payment programmes

Individual card solutions and flexible concepts globally usable. The whole world of efficient loyalty and payment programmes Individual card solutions and flexible concepts globally usable The whole world of efficient loyalty and payment programmes Our solutions at a glance easycash Loyalty Solutions offers all solutions and

More information

ecommerce Industry Outlook 2016 Satisfying shoppers who want anything, anywhere, anytime!

ecommerce Industry Outlook 2016 Satisfying shoppers who want anything, anywhere, anytime! ecommerce Industry Outlook 2016 Satisfying shoppers who want anything, anywhere, anytime! Here s to a fantastic 2016! 2016 will be another amazing year for the ecommerce industry, as consumers increasingly

More information

Use Cases for Mobile NFC Meeting Retail

Use Cases for Mobile NFC Meeting Retail Use Cases for Mobile NFC Meeting Retail, 2012 Neil Garner Founder & CEO Who are Proxama? Enabling Your Mobile Contactless World Proxama is the next generation mobile commerce company that connects the

More information

UBI Digital Banking: a new customer experience. Elisabeth Rizzotti Head of Direct Channels and Communication

UBI Digital Banking: a new customer experience. Elisabeth Rizzotti Head of Direct Channels and Communication UBI Digital Banking: a new customer experience Elisabeth Rizzotti Head of Direct Channels and Communication More than ever, digital touchpoints are critical to business success because they change consumer

More information

Catalysing Europe s Prepaid Opportunity

Catalysing Europe s Prepaid Opportunity Catalysing Europe s Prepaid Opportunity Guido Mangiagalli Head of Prepaid and Mobile Store Value Account Warsaw 30 th October 2013. This information is not intended, and should not be construed, as an

More information

Reinventing mobile payments

Reinventing mobile payments Reinventing mobile payments Prepaid closed loop mobile payments schemes Miha Culiberg Warsaw, 31.10.2013 Business development director Printec corporate profile We are a multinational technology firm,

More information

Future of European Consumer Finance A joint Eurofinas Roland Berger Survey

Future of European Consumer Finance A joint Eurofinas Roland Berger Survey Future of European Consumer Finance A joint Eurofinas Roland Berger Survey Highlights of 1st Edition Cascais 15 October 2015 118 companies participated to the first Eurofinas - Roland Berger Survey - representing

More information

METHODOLOGY THANKS TO CONNECTED DEVICES LIKE TABLETS AND SMARTPHONES, THE WAY PEOPLE SHOP IS CHANGING DRAMATICALLY.

METHODOLOGY THANKS TO CONNECTED DEVICES LIKE TABLETS AND SMARTPHONES, THE WAY PEOPLE SHOP IS CHANGING DRAMATICALLY. METHODOLOGY THANKS TO CONNECTED DEVICES LIKE TABLETS AND SMARTPHONES, THE WAY PEOPLE SHOP IS CHANGING DRAMATICALLY. We aim to better prepare brands for the future of retail. So for the second consecutive

More information

Prepaid and its role in domestic payment schemes. Denzil Lawson Network International UAE 23 October, 2013

Prepaid and its role in domestic payment schemes. Denzil Lawson Network International UAE 23 October, 2013 Prepaid and its role in domestic payment schemes Denzil Lawson Network International UAE 23 October, 2013 2. Protect national interests Supported by local banks and regulators, many domestic payment schemes

More information

Mobile Banking. Best practice and case studies

Mobile Banking. Best practice and case studies Mobile Banking Best practice and case studies TABLE OF CONTENTS ACKNOWLEDGEMENTS 3 About the author: David J Cavell FCIB 3 About the publisher: RBR 3 Confidentiality 3 Disclaimer 3 TABLE OF CONTENTS 4

More information

2020 Foresight: Best Practices in Implementing Mobile Payments

2020 Foresight: Best Practices in Implementing Mobile Payments 2020 Foresight: Best Practices in Implementing Mobile Payments Product Code: VR0963MR Published Date: November 2013 For more details about the full report, please contact: T: +65 6383 4688 E: info@ap.timetric.com

More information

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015

Copyright 2015 Criteo. State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 State of Mobile Commerce Apps and cross-device lead mobile business Q2 2015 Mobile Commerce Report Methodology Individual transaction data analyzed How can marketers use this data? Over 3,000 online retail

More information

Ramón Tellaeche Santander Cards

Ramón Tellaeche Santander Cards Ramón Tellaeche Santander Cards Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements. These forward-looking statements are found in various

More information

Face to face payment solutions. Mobile strategy for businesses on the go

Face to face payment solutions. Mobile strategy for businesses on the go Face to face payment solutions Mobile strategy for businesses on the go Contents 3. Overview 4. Online and offline merge 5. Contactless payments 6. Apps and the ewallet 7. Graphic: Rising payment trends

More information

ACN s Preferred Merchant Services Partner

ACN s Preferred Merchant Services Partner ACN s Preferred Merchant Services Partner Your Guide to Selling Merchant Services 1. Merchant Services 101 2. Engage Merchants 3. Submit Leads 4. Stay Involved 1. Merchant Services 101: What is Merchant

More information

The results are based on data for mobile transactions and the revenue generated on the network.

The results are based on data for mobile transactions and the revenue generated on the network. zanox Mobile Performance Barometer 2015: Mobile transactions reached a new peak in Q4 2014 (smartphone and tablets) with growth rates of 128% from September 2014 to October 2014 Tablets are responsible

More information

Mobile Payment: The next step of secure payment VDI / VDE-Colloquium. Hans-Jörg Frey Senior Product Manager May 16th, 2013

Mobile Payment: The next step of secure payment VDI / VDE-Colloquium. Hans-Jörg Frey Senior Product Manager May 16th, 2013 Mobile Payment: The next step of secure payment VDI / VDE-Colloquium May 16th, 2013 G&D has been growing through continuous innovation Server software and services Token and embedded security Cards for

More information

Visa Consulting and Analytics

Visa Consulting and Analytics Visa Consulting and Analytics Issuer Acquirer Retailer Analytics and Information services: Issuer menu Issuers - Visa data driven insights We are in a unique position to inform our clients about performance

More information

Open Wallet Platform Enabling Any Mobile App to Be a Wallet

Open Wallet Platform Enabling Any Mobile App to Be a Wallet Open Wallet Platform Enabling Any Mobile App to Be a Wallet WHITE PAPER The Wallet - Expanding mcommerce to the Real World In spite of the rapid growth of mobile commerce, payments made via mobile devices

More information

2020 Foresight Report: Best Practices in Implementing Mobile Payments

2020 Foresight Report: Best Practices in Implementing Mobile Payments Brochure More information from http://www.researchandmarkets.com/reports/2704891/ 2020 Foresight Report: Best Practices in Implementing Mobile Payments Description: The report provides information and

More information

Rapid technology advancement

Rapid technology advancement Understanding the market for Mobile Wallets Rapid technology advancement and unprecedented innovation coupled with a drive to win consumer share of wallet have placed a spotlight on the payments industry,

More information

Prepaid Comes of Age: Prepaid as Everyday Money

Prepaid Comes of Age: Prepaid as Everyday Money Matt Lanford, Head of Prepaid Europe Prepaid Comes of Age: Prepaid as Everyday Money Prepaid 2010 Conference and Expo New players and innovation are dramatically increasing the pace of change in the payments

More information

France Telecom Orange investor day conquests 2015

France Telecom Orange investor day conquests 2015 France Telecom Orange investor day conquests 2015 adapt to conquer Stéphane Richard Chairman & CEO May 31 st, 2011 cautionary statement This presentation contains forward-looking statements about France

More information

Cross Border Transactions 2016 Merchant & Consumer Comparison

Cross Border Transactions 2016 Merchant & Consumer Comparison Cross Border Transactions 2016 Merchant & Consumer Comparison USA Report Ipsos MORI Contacts: Peter Attwell, Ellie Pettit, Laura Acey PayPal Contact: Melissa O Malley Background & Objectives Advancement

More information

2020 Foresight: Best Practices in Implementing Mobile Payments

2020 Foresight: Best Practices in Implementing Mobile Payments 2020 Foresight: Best Practices in Implementing Mobile Payments Product Code: VR0963MR Published Date: November 2013 www.timetric.com TABLE OF CONTENTS TABLE OF CONTENTS 1 Executive Summary... 6 2 Dynamics

More information

DISRUPT REIMAGINE REINVENT YOUR BUSINESS

DISRUPT REIMAGINE REINVENT YOUR BUSINESS Page 1 DISRUPT REIMAGINE REINVENT YOUR BUSINESS Insight, Intelligence, Innovation. Introduction to ibe February 2015 Page 2 IBE PART OF BE GROUP Be Group is a leading consulting and ICT provider for the

More information

Positioning for Success in 4G/LTE

Positioning for Success in 4G/LTE Positioning for Success in 4G/LTE Declan Lonergan VP Research, Yankee Group August 21, 2012 Page 1 Copyright 2012 A Virtuous Cycle Is Driving A Virtuous the (or Mobile Economy Vicious) Cycle Page 2 Copyright

More information

Merchant Services Payment Solutions for Your Business

Merchant Services Payment Solutions for Your Business Merchant Services Payment Solutions for Your Business Products & Services Highlights Processing Solutions VISA, MC, Discover, JCB, Diners, American Express, China UnionPay Multi Currency Cross Border Dynamic

More information

THE DIGITAL CONSUMER S JOURNEY IN THE WESTERN EUROPE GROCERY MARKET

THE DIGITAL CONSUMER S JOURNEY IN THE WESTERN EUROPE GROCERY MARKET THE DIGITAL CONSUMER S JOURNEY IN THE WESTERN EUROPE GROCERY MARKET Copyright 2014 The Nielsen Company 1 CONTENTS EXECUTIVE SUMMARY... 03 WESTERN EUROPE S ONLINE GROCERY LANDSCAPE... 05 A NEW BATTLEFIELD...10

More information

American Express Contactless Payments

American Express Contactless Payments PRODUCT CAPABILITY GUIDE American Express Contactless Payments American Express Contactless Payments Help Enable Increased Convenience For Card Members At The Point Of Sale American Express contactless

More information

Capital Markets Day Athens, 16 January 2006 ALPHA. Retail Banking. G. Aronis Senior Manager, Retail Banking

Capital Markets Day Athens, 16 January 2006 ALPHA. Retail Banking. G. Aronis Senior Manager, Retail Banking Capital Markets Day Athens, 16 January 2006 ALPHA BANΚ Retail Banking G. Aronis Senior Manager, Retail Banking Contents: page Retail Banking at a Glance 3 Strategic Emphasis on Retail Banking 4 Household

More information

Current trends in retailing and the future of retail property. Andrew Bolitho -Property, Energy, Planning and Transport Policy Advisor

Current trends in retailing and the future of retail property. Andrew Bolitho -Property, Energy, Planning and Transport Policy Advisor Current trends in retailing and the future of retail property Andrew Bolitho -Property, Energy, Planning and Transport Policy Advisor The BRC is the authoritative voice for retail recognised for itspowerful

More information

Cross-channel payment solutions ABI CARTE 2015, ROMA, 5 NOVEMBRE 2015 VINCENZO ROMEO EASTERN EUROPE & AFRICA INNOVATION DIRECTOR

Cross-channel payment solutions ABI CARTE 2015, ROMA, 5 NOVEMBRE 2015 VINCENZO ROMEO EASTERN EUROPE & AFRICA INNOVATION DIRECTOR Cross-channel payment solutions ABI CARTE 2015, ROMA, 5 NOVEMBRE 2015 VINCENZO ROMEO EASTERN EUROPE & AFRICA INNOVATION DIRECTOR 1 The need for cross-channel payment solutions 3 mpos Solutions Challenges

More information

Finding common ground in small business acquiring: New insights from the U.S., Canada and the UK

Finding common ground in small business acquiring: New insights from the U.S., Canada and the UK 42 McKinsey on Payments May 2014 Finding common ground in small business acquiring: New insights from the U.S., Canada and the UK Small business payments and merchant acquiring is undergoing a transformation

More information

Catch all the digital moments

Catch all the digital moments Catch all the digital moments of your customers Driving digital transformation in the banking sector Banking is clearly evolving in a fast-paced and changing ecosystem, either in terms of regulatory compliance

More information

online Online Payment Whatever the channel, an easy way to pay.

online Online Payment Whatever the channel, an easy way to pay. online Whatever the channel, an easy way to pay. helps you respond to multichannel customer demands while improving conversion rates. Your customers benefit from simple yet innovative payment methods.

More information

UK Card Payments 2014

UK Card Payments 2014 UK Card Payments 2014 THE UK CARDS ASSOCIATION Payment cards are the most popular non-cash payment method in the UK by volume. They allow cardholders to pay for goods and services easily and conveniently,

More information

UK Card Payments 2016

UK Card Payments 2016 UK Card Payments 2016 THE UK CARDS ASSOCIATION Cards are the most popular payment method in the UK by value. They allow cardholders to pay for goods and services easily, conveniently and securely. Card

More information

Highlights on BancoPosta

Highlights on BancoPosta Highlights on BancoPosta 2 Strong market position >370 bln Total Customer Assets (>10% market share) ~14.000 Post Offices (~ 30% market share, >2x vs banking leader) >23 mln. Customers (>2x vs banking

More information

Social Media Payment Applications. June 6, 2011

Social Media Payment Applications. June 6, 2011 Social Media Payment Applications June 6, 2011 5 th Annual Mobile Banking and Emerging Applications Summit Our Panel Heather Mark, PhD Senior Vice President Market Strategy Preston W. Thornton III Director,

More information