Innovation in Payments. 14th May 2014 REI Retail Retreat

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1 Innovation in Payments 14th May 2014 REI Retail Retreat

2 About PaymentPlus 14 th May 2014

3 About PaymentPlus Founded in % Irish owned Based in Rathfarnham, Dublin Management team with over 40yrs payments and point of sale experience Irish partner of Barclaycard Irish distributor for Ingenico Fastest growing payments provider in Ireland 3

4 What exactly do we do? We provide Credit and Debit card processing services for merchants We reduce card processing costs for any business that accepts card payments We supply and support card terminals and web payment services We innovate by helping retailers drive and convert sales 4

5 Our customers include The Madigan Group 5

6 About Barclaycard We re a market leader and innovator in the European payment services arena, having processed card transactions for over 40 years We re one of Europe's Largest International Payments Specialists Strong Presence in Ireland Significant Growth in past 5 years We processed 4.6 billion transactions in 2013 / 249Billion / 110,000+ Clients We were the first to market with Chip and PIN, Contactless, PayTag and mobile phone payments Holistic Proposition Online, Gateway, MOTO, Card Present local & International Work closely with our key partner Payment+ PaymentPlus delivered significant growth & Market share penetration in 2013 / 14

7 Innovation 14 th May 2014

8 Retail has changed Our challenge: Bridging the gap between the online and physical worlds.utilising mobile solutions, targeting digital consumers, generating new revenues & driving footfall..

9 Evolution of payments 2000 s BC s 9

10 What is driving this change Shift away from cash Broad shift from cash / check to debit and credit Debit / prepaid growing faster than credit Merchants and consumers continue to move to e-commerce Convergence of Mobile, Online and Point of Sale Technology enabling consumers to use the internet and mobile devices to change the way they pay for goods, both in-store and on-line Opportunity for internet enabled transactions at the point of sale Mobile as Next Major Platform Mobile is the next battleground for payments Ubiquity and multi-functionality of smartphones positions mobile well to replace the physical wallet Location based services, offers and payment Growing Micropayments Opportunity Demand for online content, services and virtual goods Gaming (Zynga, Facebook), social (Twitter, Facebook), marketplaces (itunes, Amazon), and media (Google, Apple) driving increased adoption Growing Opportunity in Digital Currencies Unregulated and largely used in alternative/grey markets Digital currencies are not easily converted to cash so very high risk 10

11 We must focus on the Consumer Social, Local & Mobile Services Always connected Availability of services More choice than ever 11

12 The next months.

13 The challenge for you... Wallet Support Consumers New POS Social, Local & Mobile Services Offers Loyalty Coupons Prepaid Standards and Security Solution Support Business Case Points of Service New Services Test & Integration Ongoing Management 13 REI Retail Retreat May 14

14 Engage with your customer.. Anywhere Anytime Anyhow

15 Bridging the gaps between traditional and new...

16 Barclaycard Case Study: 14 th May 2014

17 Consultative Approach By getting closer to your business we understand where you are and where you want to go. We can then tailor our solutions to help you get there. This is exactly what we ve done with UK food chain EAT, helping them launch contactless in over 100 stores. And we re helping them to promote further as their business grows. From the outset, contactless offered a feasible solution to our main problems, as it fitted our customer profile very well. From that moment on we were sold on the idea of contactless payments. Guy Harvey, Finance Director, EAT The advice and assistance we received from Barclaycard in both the development and implementation process was second to none. In addition, once the technology was ready for installation, Barclaycard provided thorough training for our staff. Rene Batsford, Head of IT, EAT

18 POS Collateral

19 Summary 14 th May 2014

20 Summary + + = Opens new markets Alternative form factors Speed Convenience Contactless Camera Payment applications Wallets Wallets Authentication Push & Pull payments Face to face & ecomm merge Card not required New types of POS Consumers will 20 choose

21 Consultative approach Engagement Knowledge share Collaboration Joint planning 21

22 Thank you Cillian Wright Managing Director Follow Peter Sweeney Strategic International New Business Manager 14 th May 2014