Optimal Payments Plc

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1 Optimal Payments Plc Cash is dead: the future of payments Collins Stewart Hawkpoint Technology Group Seminar London, 5 October

2 Agenda 1 Introduction to Optimal Payments 2 The changing face of payments 3 Key takeaways Joel Leonoff President & CEO 2

3 Legal Disclaimer Certain statements in this document are forward-looking statements. These forwardlooking statements speak only as at the date of this document. These statements concern, or may affect, future matters and include matters that are not facts. Such statements are based on current expectations and beliefs and, by their nature, are subject to anumber of known and unknown risks and uncertainties ti thatt could cause actual results and outcomes to differ materially from any expected future results or performance expressed or implied by the forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements. The information and opinions expressed in this document are subject to change without notice and neither the Company nor any other person assumes any responsibility or obligation to update publicly or review any of the forward-looking statements contained within this document, regardless of whether those statements are affected as a result of new information, future events or otherwise. 3

4 1 Introduction to Optimal Payments 4

5 About Optimal Payments Global scale focused on CNP / ecommerce market Trusted solutions safe and secure Proven since 1996 Leading online payments company, processing more than $9 billion in transactions annually Optimal Payments formed from combination of two leading gpayments businesses in early 2011 Providing innovative payment solutions to online merchants and consumers through our two growth platforms NETBANX Straight Through Processing NETELLER Stored Value (ewallet & prepaid cards) Listed on London s AIM market (OPAY.L) market cap c. US$80m 5

6 Our two growth platforms Merchant proposition driven by tailored solutions Built on differentiation and innovation NETBANX Straight Through Processing NETELLER Stored Value (ewallet and prepaid cards) Focused on customer not present (CNP) market (ecommerce & Mail Order Telephone Order) Targeting online merchants Processing online transactions via multiple banking partners Focused on online gaming market Private label ewallet solution targeted at top tier retail brands B2B / B2C offering 6

7 About Optimal Payments Proven since 1996 Global scale Trusted and compliant to regulations 15 years $700m prepaid card program $9bn processed annually Over 60 regional/local payment options 180 serviced countries Significant operations in North America and Europe UK FSA regulated +5m consumer accounts Publicly traded since k merchants 4 redundant data centers 13 Languages / 18 currencies PCI-DSS Level 1 certified c. 400 employees 7

8 Sample Clients Over 10,000 merchants serviced Brands with global reach or aspirations Both bricks and clicks Companies who value innovation 8

9 NETELLER Stored Value transaction model CONSUMER Payment account loaded via multiple options, then no risk transfer to merchant, funds easily available to consumer via many withdrawal methods 1. SIGN-UP 2. TRANSFER TO LOADS ACCOUNT 4. Payment Account TRANSFER FROM 3. W D B A WITHDRAWS DIRECTLY TO BANK ACCOUNT 4. ONLINE MERCHANT 1. Consumer signs up, loads account 2. Consumer pushes funds to merchant / P2P 3. Consumer pulls funds back from merchant PEER2PEER 4. Consumer uses funds (either Net+ / P2P/ withdrawal to bank) ATM / POS ONLINE VIA NET+ CARD MOBILE/ DESKTOP 9

10 2 The changing face of payments 10 10

11 The online payments market Strong growth forecast in ecommerce across all geographies Online represents growing % of total Source: 2010 Javelin Strategy & Research (excludes travel), Macquarie Capital (USA) January

12 The changing payments landscape Online payments = rapidly developing market Traditional payment methods and players giving g way to alternative payments and new entrants The pace of change is accelerating 20 th Century 21 st Century today 12

13 With major players driving to achieve scale and position Together, these 4 firms have invested nearly $7 billion in payment and adjacent businesses in past 24 months to achieve scale and secure innovation Revolution Money (Jan 10: $300m) low cost money transfers, ewallet renamed Serve Virtual Enterprises Inc. (Serve digital payment platform launched Mar 11). Travelex Card Services (Dec 10: $513m) access to global prepaid card value chain and cross border payments. Playspan (Feb 11: $190m) expands Visa s growth in digital commerce category and provides Visa with digital wallet functionality. DataCash (Aug 10: $492m) Cybersource/Authorize.net (Apr 10: Accertify (Nov 10: $150m) online processing business providing fraud $1.8bn) expands Visa s s growth in fraud prevention software business, prevention capabilities, established the ecommerce category complementary to payments merchant relationships in EU and quicker Euro market entry for Maestro card for internet purchases. Loyalty y Partner (Jan 11: $585m investment) fee based marketing services and customer loyalty firm focused on Germany, Poland & India Orbiscom (Jan 09: $100m) - accelerated development of Innovative Payment Solutions, enhancing MC s ability to deliver advanced and customizable payments solutions Monitise partnership accelerates Visa mobile payments through financial institutions globally. Device Fidelity partnership transforms a smartphone into a Visa payments device. GSI Commerce (Mar 11: $2.4bn) ecommerce marketing services moves ebay closer to ecommerce platform away from auctions focus. Critical Path (Dec 10: $ n/a) software development focusing on mobile technologies inc ebay apps Milo (Dec 10: $ n/a) leading local shopping engine that provides consumers access to accurate, real-time, local store inventory and pricing. Red Laser (Jun 10: $ n./a ) improved mobile capabilities with leading barcode scanning technologies for mobile shopping. Total investment: > $1 billion Total investment: > $1.1 billion Total investment: $2 billion Total investment: >$2.6 billion 13

14 The Optimal solution Loyalty and retention Mobile and socially connected Private Label Customer Account The Optimal Solution Credit & Cash Management Payments, Card Acquiring, & Issuing A partnership for a private label full-service offering that t bridges the in-store and online consumer experience. Provided by a sophisticated array of cutting edge technology where the merchant has full access and ownership of the customer data. Customer Insight Fraud Prevention powered by Secure acquiring & payment processing Consumer account and card services Our future ewallet solution Extends customer relationship beyond store Connects retail experience into consumers life Builds and rewards customer loyalty Provides unparalleled customer insight 14

15 Mobile Applications Key to Cardless Society Virtual card app Embedded micro-cart for mobile/device shopping Socially connected POS/contactless/ mobile payment barcode app 15

16 I know what I want or I always order the same and I hate lines, so as a regular customer, I just want to turn up and pick up Once in advance Consumer selects items to purchase Repeatuse barcode generated Mobile Print out At each time of purchase Barcode scanned at fast track lane Order is placed, Pick up payment and go taken VIP and Customer Fast Track Simple repeat or pre-order transaction Improves customer service & loyalty App persistence allows cross sell Reduces point-of of-sale cost 16

17 Key growth drivers and opportunities ecommerce market growth 1. Growth in ecommerce markets globally Mature markets continue to grow in double digits Emerging markets forecast to show greater growth Convergence 2. Accelerating convergence between offline & online assets Visa/Cybersource/Playspan; MasterCard/DataCash Substantial activity In mobile and focus on digital transformation Mobile 3. Mobile payments Key to the future of cardless and cashless society Cash and cash equivalents will move via mobile Prepaid 4. Prepaid market success Attractive growth models (Green Dot, NetSpend) Will need to move to cardless platform digital movement of money Social media / virtual worlds 5. Social media monetisation requires micropayments solution Growing demand for social media engaging consumers & protecting data Virtual goods in virtual worlds growth continues currencies will also move digitally 17

18 3 Key takeaways 18 18

19 Key conclusions Pace of technology innovation in payments is rapidly accelerating Landscape converging to a set of new entrants (PayPal, Google? Visa & MasterCard?) Trend towards combining bricks and mortar with online offerings Mobile devices are the foundation for a cardless and cashless society Scale and breadth of products and services matters Underpinned by proven platform (tech, risk/fraud, people) Strategic M&A activity is at peak Valuations have reached pre-crisis levels Financial performance and profitability is not enough to garner full premium from public investors High premium is being paid for ecommerce assets with scarcity value Positioning is key many companies will get lost by not keeping pace with innovation 19

20 A Winning Combination for Online Payments For further information contact Optimal Payments Plc at Joel Leonoff Andrew Gilchrist President & CEO EVP Corporate Affairs Tel: Tel: + 44 (0) Mob: + 44 (0)

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