Emerging gtrends and Innovation in Payments
|
|
- Curtis Richard
- 7 years ago
- Views:
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 1 Visa Europe European Payment System One VISA Future Visa Europe and Visa Inc. announced today their intention to
More informationOpinion 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 informationEmerging 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 informationwww.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 informationPayments 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 informationMOBILE 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 informationContactless 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 informationPosition 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 informationOptimal 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 informationWe 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 informationMobile 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 informationMOBILE 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 informationProfit 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 informationWorld-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 informationCopyright 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 informationA 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 informationA 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 informationOn 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 informationprepaid 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 informationGLOBAL 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 informationMobile 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 informationBusiness 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 informationGLOBAL 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 informationGlobal 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 informationWhy 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 informationInfosys 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 informationNordea 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 informationPositioning 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 informationFuture 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 informationPosition 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 informationInternational 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 informationReinventing 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 informationTOURISM 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 informationFIVE 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 informationCompetition 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 informationFinding 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 informationInside 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 informationUK 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 informationecommerce 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 informationSIA 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 informationSO WHERE IS THE CONSUMER IN CONSUMER BANKING?
SO WHERE IS THE CONSUMER IN CONSUMER BANKING? Consumer Banking 3 SO WHERE IS THE CONSUMER IN CONSUMER BANKING? BANK CUSTOMERS CONSUMERS NEED TO BE AT THE HEART OF A LOYALTY-BUILDING ECOSYSTEM. ONE THAT
More informationCapital 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 informationLatest 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 informationFace 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 informationWIRECARD 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 informationCANADA 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 informationLisa Byfield-Green Senior Retail Analyst, Online & Digital. 25 November 2015
Lisa Byfield-Green Senior Retail Analyst, Online & Digital 25 November 2015 Today s presentation UK channel overview Drivers of growth Future trends Winning strategies for retailers / suppliers Source:
More informationBank of America Merrill Lynch Banking & Financial Services Conference
Bank of America Merrill Lynch Banking & Financial Services Conference Manuel Medina Mora Chairman of the Global Consumer Banking Council November 17, 2010 Consumer Banking in Citicorp Agenda Our Business
More informationThe 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 informationWe 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 informationCurrent 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 informationOmnichannel 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 informationCopyright 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 informationCredit 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 information2020 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 information2016 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 informationSeven Stages of Pay Per Click Management
Seven Stages of Pay Per Click Management Optimising the performance of your PPC Campaign PPC Management Pay per click management is increasing complex. And pay per click market categories are increasingly
More informationRamón 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 information2020 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 informationCustomer 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 informationCapital Markets Day 2016 Wirecard AG
Capital Markets Day 2016 Wirecard AG 4 May 2016 2016 Wirecard AG 1 Agenda (All presentations followed by Q&A) 1. 10.00 10.30 2020 Vision Markus Braun, CEO 2. 10.30 11.15 Strategic product innovations Christian
More informationTHE 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 informationPrepay 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 informationHighlights 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 informationMerchant 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 informationMaximizing the value of payment cards. Panel Discussion 1 April 2004
Maximizing the value of payment cards Panel Discussion 1 April 2004 This presentation will introduce our firm and provide some context to our panel discussion > Edgar, Dunn & Company (EDC) was founded
More informationMETHODOLOGY 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 informationPayment 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 information2013 Full Year Results. 28 March 2014
2013 Full Year Results 28 March 2014 Agenda 1. Full year highlights 2. Business performance 3. Corporate strategy 4. Summary Full year highlights 3 Full year highlights Exceptional full year results -
More informationonline 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 informationUse 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 informationGfK 2016 Tech Trends 2016
1 Contents 1 2 3 Evolving behavior today s connected consumers Driving you forward 10 tech trends for 2016 Growth from knowledge turning research into smart business decisions 2 Evolving behavior today
More informationFrance 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 informationVisa 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 informationDISRUPT 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 informationWhere s your wallet? Building the future of payments Joel Leonoff
Where s your wallet? Building the future of payments Joel Leonoff President & CEO Optimal Payments Plc Future Payments 2013 Wednesday 15 th May London Agenda About Optimal Payments The changing shape of
More informationU.S. RETAIL PAYMENTS IN 2012: UNTAPPED OPPORTUNITIES
EMV: THE CATALYST FOR A NEW U.S. PAYMENT ECOSYSTEM BY MARK RENNIE DAVIS, JEFF STROUD AND STEVEN PAESE PART 1: BUILDING THE FOUNDATION Over the past decade, a number of countries have made advancements
More informationThe Evolution of Online Travel. Angelo Rossini Euromonitor International
The Evolution of Online Travel Angelo Rossini Euromonitor International THE ONLINE TRAVEL REVOLUTION THE INTERNET BECOMES MOBILE GEOSOCIAL NETWORKS AND SOLOMO TOWARDS A NEW BUSINESS MODEL EMERGING TRENDS
More informationAsset Management in the UK 2014-2015
ASSET MANAGEMENT SURVEY 214-15 INDUSTRY OVERVIEW Asset Management in the UK 214-215 The Investment Association Annual Survey SUMMARY September 215 i THE INVESTMENT ASSOCIATION CONTENT ENQUIRIES Ruth Meade,
More informationEMV/NFC/MOBILE PAYMENTS THE TIME IS NOW THE OPPORTUNITY IS HUGE
EMV/NFC/MOBILE PAYMENTS THE TIME IS NOW THE OPPORTUNITY IS HUGE REMEMBER WHEN. What year did VeriFone release the Tranz 330 2 REMEMBER WHEN. 1987 3 WHAT IS CHANGING? EVERYTHING Legislation PCI EMV NFC
More informationbi 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 informationACI TOKEN MANAGER FOR MOBILE: TOKEN SERVICE PROVISION, HCE AND EMBEDDED SECURE ELEMENT IN THE CLOUD
DELIVERS PEACE OF MIND PRODUCT FLYER ACI TOKEN MANAGER FOR MOBILE: TOKEN SERVICE PROVISION, HCE AND EMBEDDED SECURE ELEMENT IN THE CLOUD ENABLE FULL SUPPORT OF THE MOBILE PAYMENTS PROCESS FOR EMBEDDED
More informationState of Mobile Commerce Growing like a weed
State of Mobile Commerce Growing like a weed Q1 2015 Executive Summary Mobile commerce is growing like a weed. Mobile is 29% of ecommerce transactions in the US and 34% globally. By the end of 2015, mobile
More informationInnovation 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 information2020 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 informationCatch 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 informationItaly - A Case Study in Online Payments
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 informationPayments and Revenues. Do retail payments really matter to banks?
Payments and Revenues Do retail payments really matter to banks? by Dave Birch Consult Hyperion Opportunities Banks do lots of things, all of which
More informationMasterCard Retail Social Listening Study
MasterCard Media Monitoring & Analysis MasterCard Retail Social Listening Study Social Media Insights July 2014 June 2015 Prepared for: MasterCard Europe Date: September 2nd, 2015 Retail Social Listening
More informationIS YOUR CUSTOMERS PAYMENT DATA REALLY THAT SAFE? A Chase Paymentech Paper
IS YOUR CUSTOMERS PAYMENT DATA REALLY THAT SAFE? A Chase Paymentech Paper A data breach has the potential to cost retailers millions in lost customers and sales. In this paper we discuss a number of possible
More informationGeneral Presentation. Final Version 2.0
General Presentation Final Version 2.0 Onebip enables merchants to seamlessly monetize digital goods and services to their users on a global scale. Our service provides users with a simple, secure and
More informationMobile 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 informationTechnology and Mobile Payment Service Providers Landscape in India
Technology and Mobile Payment Service Providers Landscape in India Summary This section gives the overview of the non banking ecosystem in the Indian mobile payment space. It describes the evolution of
More informationLet s go international!
Let s go international! Smart Strategies for Cross-border e-commerce Presented by: Julian Wallis Head of Sales julian.wallis@ingenico.com - +44 (0)7884 005565 - @julianwallis Facts and figures / Ingenico
More informationSocial 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 informationPayments Transformation - EMV comes to the US
Accenture Payment Services Payments Transformation - EMV comes to the US In 1993 Visa, MasterCard and Europay (EMV) came together and formed EMVCo 1 to tackle the global challenge of combatting fraudulent
More informationState of Mobile Commerce. Q1 2015
State of Mobile Commerce. Q1 2015 MARCH 2015 Executive Summary Mobile commerce is growing like a weed. Mobile is now 29% of ecommerce transactions in the US and 34% globally. Mobile shopping trends ecommerce
More informationGrowth of E-commerce in Fashion Businesses
Growth of E-commerce in Fashion Businesses By Amit Gugnani, Sr. VP - Fashion & Sakshi Chhillar, Associate Consultant, Textile and Apparel, Technopak THE INDIAN RETAIL INDUSTRY WITNESSED A BOLSTERED GROWTH
More informationFrequently Asked Questions
Frequently Asked Questions INTRODUCING MASTERPASS WHAT IS MASTERPASS? WHAT ARE THE BENEFITS OF MASTERPASS? WHAT IS THE CUSTOMER EXPERIENCE WHEN MY CONSUMER CLICKS ON BUY WITH MASTERPASS? CAN MY CUSTOMERS
More information