Reinventing mobile payments
|
|
- Reynard Gibbs
- 8 years ago
- Views:
Transcription
1 Reinventing mobile payments Prepaid closed loop mobile payments schemes Miha Culiberg Warsaw, Business development director
2 Printec corporate profile We are a multinational technology firm, operating in S.E.E. / C.E.E. We are the largest transaction automation vendor in S.E.E. / C.E.E. Our footprint spans 15 markets 25+ years of Experience in the Transaction Automation and Systems Integration area Partners to the leading vendors in the industry The most integrated portfolio of services, through 500+ engineers and 90+ service centers in 15 countries Client portfolio includes almost all of the leading financial institutions as well as some of the largest retail, petrol and telco players in the region. Czech Republic Slov enia Croatia Bosnia Herz. Slovakia Alba nia Serbia FYROM Greece Romania Bulgaria Ukraine Moldova We provide 8 families of products, services, and solutions Cyprus Flexible and effective organization ATM Network Value Added Solutions Retail & Emerging Industries EFT/PoS Network Value Added Solutions Telecom Solutions Self Service Kiosks & Branch Automation Information Security Solutions & Services E-Payments & Banking Software Enterprise Solutions Printec is a privately held company, 100% owned by its Chairman & CEO High-caliber professional management team Matrix organization, promotes effective monitoring and communication Transfer of knowledge and effort/load through global staffing practices and centers of excellence Established corporate governance procedures 2
3 Reaching the customer in mobile payments Mobile payments? Do they need to be mobile? MNO s as a payment providers Closed loop mobile payment scheme vs. open loop Whom do we need first: end users or merchants How to reach the customers Key success factors
4 Mobile payments? Do they need to be mobile? Mobile payment is an alternative payment method. Instead of paying with cash, check, or credit cards, a consumer can use a mobile phone to pay for a wide range of services and digital or hard goods. Source: mobile payments on Freebase, licensed under CC-BY Juniper Research has a simple definition of a mobile payment as payment for goods or services with a mobile device such as a phone, Personal Digital Assistant (PDA), or other such device. One definition is talking about the access channel the other about alternative payment method
5 Mobile payments? Do they need to be mobile? Mobile payments as an alternative payment method in Africa Example: M-Pesa (M for mobile, pesa is Swahili for money) is a mobile-phone based money transfer and microfinancing service for Safaricom and Vodacom, the largest mobile network operators in Kenya and Tanzania. Currently the most developed mobile payment system in the world, M-Pesa allows users with a national ID card or passport to deposit, withdraw, and transfer money easily with a mobile device. Source: Wikipedia BUT, most of us are living in Europe not Africa Financial services and access to credit/debit/prepaid cards, bank accounts are more than available In Europe mobile payments are just another payment access channel Example: Apple, itunes Mobile payments are nothing more and nothing less then e-payments Mobile financial services mobile banking or e-banking on a mobile? Example: Personal experience from CEE markets
6 MNO s as a payment providers Again we are not living in Africa In Europe MNO s are facing strong entry barriers, due to: Regulatory issues Maturity of the market Strong competition from banks MNO s in Europe are more or less infrastructure providers in a collaboration mobile payment scheme MNO s generate revenues from their core business MNO s are going into Mobile financial services BUT then they usually become a financial institution Example: Telenor Group & Telenor Serbia Mobile payments are all about the business not the technology
7 Closed loop mobile payment scheme vs. open loop Gartner defines mobile payment as transactions conducted using a mobile phone and payment instruments that include: Banking instruments such as cash, bank account or debit/credit card, and Stored value accounts (SVAs) such as transport card, gift card, Paypal ormobile wallet Open-loop cards: A general purpose card carrying the Visa, MasterCard logo that can be used anywhere those cards are accepted. Closed-loop cards: A card or account that can be used at a select store or group of stores
8 Whom do we need first: end users or merchants Mass adoption of mobile payments requires mass adoption by merchants and consumers - no middleman is required Merchants & consumers condition sine qua non for a transaction to take place Banks, processors, MNO s are optional in the transactional chain Large merchants are reinventing themselves keen to enter new prepaid/postpaid schemes Closed-loop systems give value to the to parties in the payment process that count the - most merchants and consumers Mobile payments are just a technological upgrade and additional access channel
9 Closed loop prepaid cards from a Merchant perspective CUSTOMER LOYALTY COST SAVINGS MARKETING 9
10 Closed loop prepaid cards from a Merchant perspective CUSTOMER LOYALTY Simplifying the purchase user experience by offering their own system Seamlessly integrating loyalty and payments schemes Regaining ownership of their own customers Extending payments scheme to cross merchant payments and loyalty schemes (e.g. Retail+Petrol+Telco) SOURCE: ROAD TO INCLUSION A look at the Financially Underserved and Excluded across Europe A white paper prepared by Ipsos MORI for MasterCard Worldwide 16th September 2013 where the quantitative intercepts consisted of n=631 interviews split over 6 markets: Poland, Italy, UK, Russia, Spain and France in July
11 Closed loop prepaid cards from a Merchant perspective COST SAVINGS Closed loop systems minimize transaction costs by avoiding processing fees Cash in advance, no credit line, predictable income Utilizing existing EFT POS infrastructure without additional investments Minimizing cost associated with issuing of loyalty cards Additional savings by replacing card with a mobile 11
12 Closed loop prepaid cards from a Merchant perspective TARGETED MARKETING Closed loop system gives merchants the ultimate access to consumer data tracking their habits and spending's in order to provide them with targeted offers Extending branding into customized statements, plastics, point-of-sale materials, etc. Marketing through the SMS/WEB channel SOURCE: ROAD TO INCLUSION A look at the Financially Underserved and Excluded across Europe A white paper prepared by Ipsos MORI for MasterCard Worldwide 16th September 2013 where the quantitative intercepts consisted of n=631 interviews split over 6 markets: Poland, Italy, UK, Russia, Spain and France in July
13 How to reach the customers? What do different types of merchants (Retailers, Petrol, MNO s) have in common? Significant customer base Strong brand and brand awareness Wide network of stores/petrol stations Daily face to face interaction Cash in for the prepaid - at the stores, Direct Debit enrolment - at the stores Direct marketing for prepaid cards - at the check out Simplified enrolment for the prepaid - at the check out Loyalty incentives for the closed loop mobile payment system users (due to reduced transaction costs) Bundling loyalty and payment schemes Payment flexibility (prepaid, postpaid, card, mobile, NFC, QR code)
14 Key success factors Merchants need to recognize the value of the closed loop schemes Consumer needs to recognize the value of loyalty and prepaid cards Mobile needs to be just additional access channel in addition to a prepaid card Subscription should be simple and straight forward Technology should enable the utilization of existing POS infrastructure
April 26th, 2012 Hatice Ayas, Milan Malis ASEE Board Members. Payment Solutions Strategy for Growth
April 26th, 2012 Hatice Ayas, Milan Malis ASEE Board Members Payment Solutions Strategy for Growth Full range of payment solutions... Physical Financial institutions Internet Payment Mobile Processors
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 informationSingle Euro Payments Area
Single Euro Payments Area Overview SEPA (Single Euro Payments Area) is a European payments initiative which aims to create one single, integrated, standardised payments market in Europe. It is an area
More informationSEPA - Frequently Asked Questions
SEPA - Frequently Asked Questions Contents SEPA Overview Questions... 2 What is SEPA?... 2 What is the aim of SEPA?... 3 Where did SEPA come from?... 3 What countries are included in SEPA?... 3 What currencies
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 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 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 informationSecure Financial Transactions Any Time, Any Place
Secure Financial Transactions Any Time, Any Place Euronet Software Solutions Gold-Net Global Payment Solution Become a Processor Providing Authorization, Clearing, Settlement, Value Added Services and
More informationBEST PRACTICES/ TRENDS/ TO-DOS
Online Insurance Europe: S/ TRENDS/ TO-DOS New success guidelines WHAT TO DO N D E EW IO IT N Your Benefits EUROPE S S/ TRENDS/ TO-DOS: The new and only study about the best online insurance solutions
More informationEuronet USA, Inc. 17300 Chenal Parkway, Suite 200 Little Rock, AR, 72223. Tel: 1-501-218-7300 Fax: 1-501-218-7302
Euronet USA, Inc. 17300 Chenal Parkway, Suite 200 Little Rock, AR, 72223 Tel: 1-501-218-7300 Fax: 1-501-218-7302 E-mail us at: mail@euronetworldwide.com Visit our Web site at www.euronetworldwide.com.
More informationPayment Service Provider Category Please indicate under which category of Payment Service Provider your organisation is authorised / regulated:
Business Plan As part of the review process for an application for membership of Visa Europe, Visa Europe carries out a risk review of the applicant. Part of the risk review involves reviewing the organisation
More informationTravel Card. Cardholder Frequently Asked Questions. June 2014 T.FQ.S.20141.E
Travel Card Cardholder Frequently Asked Questions Travel Card (1) Where can I use my card? Your card may be used anywhere debit cards are accepted. The brand marks on your card indicate where the card
More informationEmerging gtrends and Innovation in Payments
Emerging gtrends and Innovation in Payments Introduction & Agenda Transaction Network Services is the strategic partner driving payments behind the Civica ICON solution Some headline facts about TNS: We
More informationKey Topics in Mobile Payments. Marianne Crowe Federal Reserve Bank of Boston m-enabling Summit June 10, 2014
Key Topics in Mobile Payments Marianne Crowe Federal Reserve Bank of Boston m-enabling Summit June 10, 2014 Agenda Overview of mobile payments landscape Role of Federal Reserve Mobile Payments Industry
More informationEuronet Software Solutions Integrated Credit Card System Improve your organization s marketability, profitability and revenue
Secure Financial Transactions Any Time, Any Place Euronet Software Solutions Integrated Credit Card System Improve your organization s marketability, profitability and revenue Serving millions of people
More informationAnnual Analysis Card Payments
Annual Analysis Card Payments Cards and Transactions February 2014 With an expected GDP growth of 0.5% and an almost 1% decline in consumption, analysts define 2013 as a year of feeble economic recovery
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 informationTHE EVOLUTION AND THE FUTURE ROLE OF THE BRANCH IN DISTRIBUTION OF THE BANKING PRODUCTS AND SERVICES
Annals of the University of Petroşani, Economics, 11(3), 2011, 15-22 15 THE EVOLUTION AND THE FUTURE ROLE OF THE BRANCH IN DISTRIBUTION OF THE BANKING PRODUCTS AND SERVICES CĂTĂLIN NICOLAE BULGĂREA * ABSTRACT:
More informationBanking and Payments Industry in Europe and Middle East" Trends and Perspectives!
Banking and Payments Industry in Europe and Middle East" Trends and Perspectives October 28, 2015 Presented by Konstantin Abramov" Independent Expert Global Trends in Payments" Further digitalization Data:
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 informationEgyptian Retail Payments Service Providers
Egyptian Retail Payments Service Providers Introduction The retail payments market in Egypt is in its early stages of development. A survey was conducted to review of the current providers of retail payment
More informationMobile Money Transfer Services. Deepankar Roy, Ph.D. National Institute of Bank Management, Pune, India
Mobile Money Transfer Services Deepankar Roy, Ph.D. National Institute of Bank Management, Pune, India Outline Overview of Mobile Money Transfers Who are the Key mobile wallet vendors? Successful examples
More informationNon-Bank Payment Disruptors. Competitors That Use Your Rails March 2, 2015 ICBA Live
Competitors That Use Your Rails March 2, 2015 ICBA Live Today banks still hold a majority share in Credit, Debit, ATM, and Treasury Management product revenue. Market Size 120 $109.8 2013 Payment Product
More informationASSOFIN - CRIF DECISION SOLUTIONS GFK EURISKO CREDIT CARD SURVEY
ASSOFIN - CRIF DECISION SOLUTIONS GFK EURISKO CREDIT CARD SURVEY September 2008 CONTENTS PRESENTATION OF THE SURVEY...pag. 1 EXECUTIVE SUMMARY... 3 Chapter 1 STATE AND EVOLUTION OF THE MARKET... 9 1.1
More informationT h e G lo b a l D e bi t C ard s I nd ex
LAFFERTY T h e G lo b a l C re d i t Card s I nd ex A ND T h e G lo b a l D e bi t C ard s I nd ex w w w. laffe rty. com Introduction Lafferty s Best in Class series of reports provides you with everything
More informationGfK PURCHASING POWER INTERNATIONAL
GfK PURCHASING POWER INTERNATIONAL 1 Agenda 1. Europe 3 2. Americas 45 3. Asia & Near East 54 4. Afrika 66 5. Australia 68 6. Overview of countries and available levels 70 2 2 EUROPE 4 GfK
More informationConcept of Debit Card as a means of payments in Malaysia. The acceptance of electronic payment systems among Malaysian consumers
CHAPTER 1: INTRODUCTION DEBIT CARDS IN MALAYSIA Concept of Debit Card as a means of payments in Malaysia The acceptance of electronic payment systems among Malaysian consumers has increased from year to
More informationHow digitalisation is changing user experience
How digitalisation is changing user experience Harbo Except for the historical information contained herein, statements in this release which contain words or phrases such as will, aim, will likely result,
More informationPOSTAL BANKING WORLDWIDE
Pew Conference on Financial Services and the Post Office July 16, 2014 1 POSTAL BANKING WORLDWIDE Lessons for deepening financial inclusion and ensuring long-term viability of postal operators Alexandre
More informationSIA CARD PROCESSING. Advanced, secure and digital payment solutions
SIA CARD PROCESSING Advanced, secure and digital payment solutions The card processing offering Best in class solutions suitable for any type of client Advanced SIA delivers a complete range of Pan-European
More informationT4 PRESENTATION Orange Money. Orange Money. What we learnt with. France Télécom Group
T4 PRESENTATION What we learnt with France Télécom Group 1 Product portfolio Bill Payment Pay your bill 24h/24 7/7 SMS notification for the due date Pay for your third party from anywhere Paid part of
More informationOVERVIEW OF MOBILE PAYMENT LANDSCAPE
OVERVIEW OF MOBILE PAYMENT LANDSCAPE NEACH FORUM September 10, 2014 Marianne Crowe Federal Reserve Bank of Boston Disclaimer: The views expressed in this presentation are those of the presenter and do
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 informationOVERVIEW OF MOBILE PAYMENT LANDSCAPE Marianne Crowe Federal Reserve Bank of Boston NEACH September 10, 2014
OVERVIEW OF MOBILE PAYMENT LANDSCAPE Marianne Crowe Federal Reserve Bank of Boston NEACH September 10, 2014 Disclaimer: The views expressed in this presentation are those of the presenter and do not necessarily
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 informationACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments
A TO Z JARGON BUSTER A ACQUIRER OR ACQUIRING BANK A financial institution (often a bank) where a merchant has an account to process transactions and card payments ATM Automated Teller Machine. Unattended,
More informationTRADING PLATFORM CLEARING AND SETTLEMENT MEMBERSHIP
TRADING PLATFORM CLEARING AND SETTLEMENT MEMBERSHIP TRADING PLATFORM Wilhelm Söderström, Nord Pool Spot Ante Mikulić, CROPEX European day ahead market A fair and transparent calculation of dayahead power
More informationDEBIT/ATM CARD APPLICATION
DEBIT/ATM CARD APPLICATION APPLICANT: Last Name: First Name: M.I. Street Address: Apt. # / PO Box: City: State: Zip: Day Telephone #: Evening Telephone # Debit Card ATM Card SECOND APPLICANT: Last Name:
More informationMobile Money Transfer & Remittances
Mobile Money Transfer & Remittances 2 June 2010, Moscow - Mirpal Conference Mehdi Elhaoussine, Consultant, World Bank Expert Mobile Financial Services 1 Market figures Introduction 200 million people around
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 informationInsight Brief Reducing the Shadow Economy through Electronic Payments
Insight Brief Reducing the Shadow Economy through Electronic Payments An EY Study Commissioned by MasterCard 1 Each year, many countries lose a significant part of their tax revenues due to the existence
More informationMobility, Banking and Payments: Evolution or Revolution?
Mobility, Banking and Payments: Evolution or Revolution? CHALLENGES AND OPPORTUNITIES Bernardo Nicoletti Almati, 1 October 2015 Questions and Answers 1914: Launch of the first credit card by Western Union
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 informationTrends in Mobile Payments in Developing and Advanced Economies
Trends in Mobile Payments in Developing and Advanced Economies Darren Flood, Tim West and Daniel Wheadon* As mobile phones have become commonplace throughout the world there has been an increasing focus
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 informationU.S. Mobile Payments Landscape NCSL Legislative Summit 2013
U.S. Mobile Payments Landscape NCSL Legislative Summit 2013 Marianne Crowe Vice President, Payment Strategies Federal Reserve Bank of Boston August 13, 2013 2 Agenda Overview of Mobile Payments Landscape
More informationWorld Solution Provider
GE Consumer & Industrial World Solution Provider GE imagination at work GE Six businesses aligned with our customers needs, acting as one company. Harnessing the imaginations of more than 300,000 people
More informationTelecom. Mobile Commerce Platform for. Increase ARPU Increase ROI Increase Customer Value
Mobile Commerce Platform for Telecom Maximize Revenue. Secure. Convenient. Affordable Mobetize offers the only integrated secure mobile commerce platform for telecom companies designed to maximize your
More informationSmart Card Security Access Modules in VeriFone Omni 3350 Countertop and Omni 3600 Portable Terminals
Security Access Module White Paper Smart Card Security Access Modules in VeriFone Omni 3350 Countertop and Omni 3600 Portable Terminals With the proliferation of smart card solutions, VeriFone s use of
More informationEXECUTIVE SEARCH, INTERIM MANAGEMENT, NON-EXECUTIVE DIRECTORS & CONSULTING
EXECUTIVE SEARCH, INTERIM MANAGEMENT, NON-EXECUTIVE DIRECTORS & CONSULTING division one FACTS & FIGURES With offices in Stuttgart, Munich and Dusseldorf along with our 43 ENEX partner offices all over
More informationDietmar G. Wiedemann. Mobile Commerce Working Group (wi-mobile) dietmar.wiedemann@wi-mbile.de
Results of the SEMOPS Study "Status of E-Payments and M-Payments in the European Union" Dietmar G. Wiedemann Mobile Commerce Working Group (wi-mobile) University of Augsburg dietmar.wiedemann@wi-mbile.de
More informationFriday, June 5, 2015 3:15 p.m.
MCUL & Affiliates 2015 Annual Convention and Exposition Mobile Payments Greatest Opportunity or Biggest Threat? Amy Smith, AAP, CAE President & CEO The Payments Authority Friday, June 5, 2015 3:15 p.m.
More informationSTUDIO MODERNA. Eivind Schackt CEO
STUDIO MODERNA Eivind Schackt CEO 0 What is Multi-Channel Some people define multichannel selling as a combination of brick-and mortar, catalog and Internet activity. Others say multichannel selling can
More informationThis factsheet contains help and information for financial advisers who wish to advise their clients who live in Europe.
Financial Conduct Authority Factsheet No.025 Investment advisers Passporting This factsheet contains help and information for financial advisers who wish to advise their clients who live in Europe. Introduction
More informationCompuGroup Medical AG Synchronizing Healthcare
CompuGroup Medical AG Synchronizing Healthcare Vision Frank Gotthardt Founder and CEO CompuGroup Medical AG We enable the best healthcare. Through available, structured medical data. Through optimizing
More informationJanuary 2015. PSE Consulting Company Overview
PSE Consulting Company Overview PSE Consulting - an Introduction Payment Systems Europe (PSE Consulting) has been serving the European payments market for over 24 years. During that period PSE has conducted
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 informationUEFA Futsal EURO 2013/14 Preliminary & Main Rounds Draw Procedure
UEFA Futsal EURO 2013/14 Preliminary & Main Rounds Draw Procedure UEFA Futsal EURO 2013/14 Preliminary & Main Round Draw Procedure Date: Tuesday, 4 December 2012 Time: Location: 14.00 hours CET UEFA Headquarters,
More informationeservglobal Investor Roadshow January, 2014
eservglobal Investor Roadshow January, 2014 eservglobal is an internationally recognised, leading provider of solutions that bridge the telco and financial worlds eservglobal: at a glance Comprehensive
More informationThe Goods, the Payment and the Mobile!
WHITEPAPER The Goods, the Payment and the Mobile! This whitepaper is an extract from: Mobile Payments for Digital & Physical Goods Analysis, Markets & Vendor Strategies 2011-2015... information you can
More informationPAYMENT SYSTEMS REVIEW (FISCAL YEAR 2014-15)
PAYMENT SYSTEMS REVIEW (FISCAL YEAR 214-15) PAYMENT SYSTEMS DEPARTMENT STATE BANK OF PAKISTAN Payment Systems Review Fiscal Year 214-15 TABLE OF CONTENTS 1. OVERVIEW OF COUNTRY S PAYMENT SYSTEMS... 4 2.
More informationBusiness Process Services. White Paper. Designing an Effective and Successful Card Payment Solution
Business Process Services White Paper Designing an Effective and Successful Card Payment Solution About the Author Zubin Tafti Zubin is a Business Consultant with Tata Consultancy Services (TCS) and works
More informationPMR. IT outsourcing in Central and Eastern Europe FREE ARTICLE. www.ictrussia.com
FREE ARTICLE www.ictrussia.com IT outsourcing in Central and Eastern Europe Source: IT outsourcing in Central and Eastern Europe 2009 Countries attractiveness and development forecasts January 2009 PMR
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 informationThird Quarter 2014. Thursday, November 6 2014
Third Quarter 2014 Thursday, November 6 2014 Disclaimer This document contains further forward-looking statements that involve risks and uncertainties concerning the Group's expected growth and profitability
More informationOrange Money. Sandra Bignon. Product Manager Orange Money
Orange Money Sandra Bignon Product Manager Orange Money agenda Orange Money, key data and ambitions Orange Money, what is it? rationales & key success factors focus on Egypt, Tunisia, Morocco and Jordan
More informationVisa Reloadable Frequently Asked Questions. EMV Travel Card
Visa Reloadable Frequently Asked Questions EMV Travel Card How does the International Prepaid Card work? The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend
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 informationAmerican Express and Discover are proprietary entities performing the functions of both a card association and an issuing bank.
ELECTRONIC VALUE TRANSFER CONTRACT (EVT) CREDIT CARD BACKGROUND INFORMATION What is a Credit Card? A credit card is a plastic card issued to an individual or business which is accepted by participating
More informationRC GROUP. Corporate Overview
RC GROUP Corporate Overview VISION & MISSION We, at RC Group aim to become the preferred Partner for Innovative, Customer driven, Value adding IT based business solutions and services in local and international
More informationOVERVIEW SUPPORTED PAYMENT METHODS
OVERVIEW SUPPORTED PAYMENT METHODS International Internationally credit cards are the widest accepted payment method. Adyen supports the major credit cards that allow you to accept payments from anywhere
More informationEuronet Software Solutions Recharge Solution
Serving millions of people worldwide with electronic payment convenience. Recharge Solution Deliver the Ultimate Convenience of Top-Up to Your Customers Today Recharge Solution GLOBAL PROVIDER FOR ALL
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 informationCCBE LAWYERS STATISTICS 2015 Total n of women lawyer members of the Bar Austria 31/12/2014 5.940 1.210 80
Austria 31/12/2014 5.940 1.210 80 Belgium (OBFG) 01/12/2014 7.756 Pas de statistiques par sexe Belgium (OVB) 01/12/2014 10.418 (5.907 male s + 24 on B-list; 4.472 s + 15 on B-list). 4.472 s + 15 on B-list
More informationTrends in Off-Site ATMs Market 13,OCT, 2008
Trends in Off-Site ATMs Market 13,OCT, 2008 Contents Trend in Off-Site ATMs IAD Market Off-Site Locations Off-Site Markets and Driving Factors Business Models Strategy for IADs and Banks Conclusion Global
More informationNew Technology: Customer Transactions TVPPA Accounting and Finance Conference October 17, 2014
New Technology: Customer Transactions TVPPA Accounting and Finance Conference October 17, 2014 Presented by: Cynthia G. Jones, MBA, PMP Memphis Light, Gas and Water Division 1 Agenda About the Presenter
More informationWe don't see Telenor Banka opening as a mere business opportunity, but also as an initiative that will change how people in Serbia do banking.
What Happens When a Telecom Provider Buys a Bank and is Powered by the IT Leader? A case study for the first mobile online bank in the SEE region: Telenor Banka We don't see Telenor Banka opening as a
More informationLender Perspectives on Credit Reporting WCCR 2008 - Rio SOCIETE GENERALE CONSUMER FINANCE: A FAST GROWING CHALLENGER. Jean-Yves Bruna CEO of SGCF
SOCIETE GENERALE CONSUMER FINANCE: A FAST GROWING CHALLENGER Jean-Yves Bruna CEO of SGCF 2 POSITION IN THE GROUP SOCIETE GENERALE Group DSFS BDDF Crédit Du Nord BHFM SG-CIB GIMS Specialized Financial Services
More informationSupported Payment Methods
Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not only the major credit
More informationEvolution of Payments. Ottawa 2013
Evolution of Payments Ottawa 2013 Bringing Together Conference Themes Members Access to services Convenience Innovation New entrants Partners Delivery Technology Mobile Cloud / SAS 3 Common Elements of
More informationINTERNATIONAL. Helping your money travel around the world. International payments travel money and CHAPS. Talk to us today
INTERNATIONAL Helping your money travel around the world International payments travel money and CHAPS Talk to us today Access your money, at home and away Maybe you have family overseas and want to send
More informationWhite Paper. The Four Pillars of Mobile Payments Immediate Opportunities
White Paper The Four Pillars of Mobile Payments Immediate Opportunities The Four Pillars of Mobile Payments Immediate Opportunities As the trade media continues to focus on the still-fragmented activity
More informationCaribbean Electronic Payments
Caribbean Electronic Payments Company Profile Caribbean Electronic Payments Ltd. 1-13 Contents Introduction... 3 Mission & Core Values... 5 CEPAYMENTS Mission... 5 Our Core Values... 5 Innovation... 5
More informationINTEGRATED POINT OF SALE PAYMENTS
INTEGRATED POINT OF SALE PAYMENTS A COMPREHENSIVE MANAGED POINT OF SALE PAYMENT SERVICE AN INTEGRATED SOLUTION FOR Bankcards Gift Cards Money Transfers Bill Payments Pre-paid Cash Management Enterprise
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 informationFrom Money Transfer to Transforming Lives E. Emre Kanaat Head of Consumer Services June 3rd, 2015
From Money Transfer to Transforming Lives E. Emre Kanaat Head of Consumer Services June 3rd, 2015 Agenda Why Mobile Money? The story of M-Pesa Why Mobile Wallet? The story of Cep Cüzdan Why Mobile Money?
More informationSupported Payment Methods
Sell Globally in a Snap Supported Payment Methods Global In the global payments market, credit cards are the most popular payment method. However, BlueSnap expands the payment selection by including not
More information[Competition in Banking Payment Services]
[Competition in Banking Payment Services] [written by Research Staff, Sentient Technologies, LLC, Overland Park, Kansas Scott Tucker Founder & CEO] [This paper explores the various types of payment services
More informationChair: Russell Schrader, Visa, Inc., San Francisco, California Vice Chair: Veronica K. McGregor, Jones Day, San Francisco, California
American Bar Association Committee on Consumer Financial Services Electronic Banking and Internet Delivery Subcommittee Winter Meeting Park City, Utah January 7-10, 2012 ELECTRONIC BANKING AND INTERNET
More informationEuronet s Contactless Solution
Serving millions of people worldwide with electronic payment convenience. Euronet s Contactless Solution Fast, Secure and Convenient Transactions with No Swiping, PIN or Signature Copyright 2011 Euronet
More informationEvolving Mobile Payments Industry Landscape
Evolving Mobile Payments Industry Landscape Mobile Banking: Can the Unbanked Bank on It? Sargent Shriver National Center on Poverty Law webinar August 16, 2012 Marianne Crowe Federal Reserve Bank of Boston
More informationSEPA. Frequently Asked Questions
SEPA Frequently Asked Questions Page 1 of 13 Contents General SEPA Questions... 4 What is SEPA?... 4 What is the aim of SEPA?... 4 What are the benefits of SEPA?... 4 What countries are included in SEPA?...
More informationAnalysis of statistics 2015
Analysis of statistics 215 January 216 ECHR Analysis of Statistics 215 Table of Contents Overview of the Court s statistics in 215... 4 A. Number of new applications... 4 B. Applications disposed of judicially
More informationNN Group Insurance International
NN Group Insurance International Robin Spencer, CEO International Insurance Capital Markets Day 19 November 2015 Portfolio of mature and developing international markets Top 3 positions in CEE 1 life insurance
More informationBuilding Customer Loyalty with Prepaid Cards
Building Customer Loyalty with Prepaid Cards 2 Introduction Retail purchases with prepaid cards are expected to exceed $200 billion in 2014, or five percent of all U.S. retail spending. Some well-known
More informationInternational Mobile Phone Top Up For Consumers & Merchants
International Mobile Phone Top Up For Consumers & Merchants March 2015 What is CY.SEND? CY.SEND is an international prepaid mobile phone top up provider located in Switzerland for consumers and merchants.
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 informationIntroduction to the similar solutions and compare with the proposed system.
Chapter 2 Introduction to the similar solutions and compare with the proposed system. Chapter two contains the similar solutions done by others and these solutions have been compared with the automated
More informationUNIFIED e-paymnts GATEWAY
UNIFIED e-paymnts GATEWAY Electronic Payments in Governments & Beyond Danson Muchemi Chief Executive Officer, Jambopay JamboPay 2015 About Jambopay Jambopay is an innovative payments service provider.
More informationfunctions and components can be selected and set up at any time by a product engineering team.
Way4 Way4 Switch, Way4 Card and Merchant Management and Way4 EMV Card Personalisation are fault-tolerant open platform software solutions with proven EMV Issuing, Personalisation and Acquiring capabilities.
More information