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1 ideal ready for the future Piet Mallekoote CEO Amsterdam November 2015
2 Content An example for other countries? Cooperation and competition What is next? Summary ideal ready for the future November
3 How it works ideal ready for the future November
4 ideal: 4-corner Online Banking e-payment based on SEPA Credit Transfer SEPA Credit Transfer ideal protocol Online & Mobile Banking ideal ready for the future November
5 Advantages Online Banking e-payments Independence from cards Leverage investments in existing online banking infrastructure Security-sensitive data stay inside the banking environment Infrastructure re-usable for new, other services Replacement of high-cost paper-based payments ideal ready for the future November
6 ideal outpaces growth of online retail 180 million transactions 26,4% growth 20% mobile ideal ready for the future November
7 ideal most popular payment method in Dutch ecommerce Market share payment methods 2014 (nr of online purchases) 5% 7% 2% 5% 4% 3% 4% 6% 11% 54% ideal Credit card Acceptgiro (paper) Direct Debit Credit transfer PayPal Gift card Debit card (in store) Cash Other Source: ecommerce Payment Monitor 2014, GfK ideal ready for the future November
8 Not only for ecommerce payments ideal usage category e-commerce - Consumer goods, travel, tourism Ticketing and other services - Tickets: concerts & events, trains - Top-up: mobile phones, e-wallets B2C e-billing - Utilities, insurance premiums - AfterPay, Klarna, PayPal 50% 50% Volume shares Account verification - Mandates, agreements ideal ready for the future November
9 ideal participants 9 Buyer Banks (issuers) 7 Seller Banks (acquirers) 56 Payment Institutions (acting as aggregators) Accepting merchants ideal ready for the future November
10 ideal success factors in the Dutch market Institutional factors - Low use of credit cards - High penetration of broadband internet and online banking Merchant benefits - Immediate payment guarantee / non-revocable payment - Easy integration in web shop Consumer benefits - Integrated in secure online banking / no separate sign-up ideal ready for the future November
11 Summary of benefits for all parties involved
12 Cooperation and competition ideal ready for the future November
13 ideal is based on co-opetition Cooperation: to create the biggest pie possible Technical standards Scheme (with a brand) Active stakeholder management (consumer & merchants) Competition: to share the pie most efficiently Scheme roles open to any credit or payment institution Value-added services ideal ready for the future November
14 Cooperation is essential in payments Cooperation is essential in payments innovation because Divergent solutions lead to market fragmentation - High(er) transaction costs - Insufficient reach and trust and From two-sided markets we learned: - Cooperation constrains fragmentation, and creates reach and trust - Cooperation goes hand in hand with competition ideal ready for the future November
15 What is next? ideal ready for the future November
16 ideal mobile App and web usage at merchant and/or bank Same protocol & messages In the mobile banking app: 5-digit pin Enabling payments everywhere via QR codes ideal ready for the future November
17 ideal QR Major trend in shopping: convergence of online and physical commerce ideal QR facilitates real-world online payments Use cases Infrequent payments Video-on-demand Restaurant Charity donation Pop-up store... Channels Paper invoice Television screen Bill Poster, sticker ipad... ideal ready for the future November
18 E-Mandates Offers the same rights as a paper-signed mandate - Operational risk for refunds reduced from 13 months to 8 weeks E-mandates increase the chance of success for direct debit - White- and black list are incorporated in the system (core) - Mandate registered by Debtor Bank (B2B) - e-mandate provides validated data from the bank domain, such as IBAN and registered account name and the name of signatory E-mandates based on familiar ideal process - Convenient, safe and trusted by the consumer ideal ready for the future November
19 E-Mandates ideal ready for the future November
20 E-Mandates ideal ready for the future November
21 Bank ID service Scope Log in using e-identity service - Tax authority - Insurance company - E-commerce Logging in via your bank Anonymous log-in Provide data Validated Customer consent Banking authentication customer agrees to share data with merchant e-identity Routing Service Provider Pilot Q Issuing Domain Acquiring Domain ideal ready for the future November
22 Bank ID built on 4 pillars Initial identification (in bank branch) Means of authentication (desktop + mobile) Quality of customer data (Wwft+, ISO standards) Infrastructure and legal framework (messages, screens + R&R + contracts) Requirement for banks: maximum reuse of resources Scheme and brand: connect to existing infrastructure Brand is important for consumer recognition (operation, terms and conditions) ideal ready for the future November
23 Seamless payments Recognise your customer One-click buy From check-out to check-in Check-out ORIËNTATION SELECTION LOYALTY TRANSACTION DELIVERY Check-in ideal ready for the future November
24 Access-to-the-account (XS2A) PSD2 opens possibility for payment initiation services and account information services These services (may) disrupt existing banking services Challenges for banks - wait and see : banks will loose customers and will be disrupted in the end - act with sense of urgency: banks disrupt themselves with new services (ideal may be an example) ideal is ready for PSD2 ideal ready for the future November
25 Summary ideal ready for the future November
26 ideal ready for the future Convergence of online and physical payments - ideal Mobile - ideal QR Retaining customer-bank relation with relevant value-added services - E-mandates - Bank ID Seamless payments - BankiD - ideal ready for XS2A ideal ready for the future November
27 Merchant Acquiring Forum LUNCH PSE SME Strategy Workshop July 2015 v0.1
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