PayU Global Payment Service Provider with Local Expertise
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1 PayU Global Payment Service Provider with Local Expertise Context The 21 st century is being shaped by both technological advancements and globalization, two influential factors that can clearly be seen by observing the current state of shopping habits. Indeed, consumers and merchants are constantly adapting the way they buy and sell on- and offline. From cash and e-wallets to credit card transactions and bank transfers, hundreds of new payment methods are flourishing around the world. Due to countless options and local preferences, it becomes more challenging for businesses to answer consumer needs and they may overlook many opportunities. PayU resolves such challenges in fast-growing markets by offering the ultimate payment platform, allowing users to buy and sell in a fast, simple and secure way. The company s visionary solutions have the particularity to always match the behaviours and evolution of consumers and merchants, offering flexible alternatives in comparison with standard methods. Moreover, PayU s payment services are particularly relevant for actors within fast-growing countries where on-going development constantly redefines business and shopping practices. Global Leader Relying on the expertise of 1,400 specialists in payment solutions, PayU is redefining the way people buy and sell in 16 fast-growing countries: Argentina, Brazil, Chile, Colombia, Czech Republic, Hungary, India, Mexico, Nigeria, Panama, Peru, Poland, Romania, Russia, South Africa and Turkey. The company s focus on fast, simple and secure payments has allowed more than 160,000 merchants to use PayU s platform to process their transactions. Constantly adapting to technological advancements and regional trends, PayU processes more than 250 global and local payment methods from credit card and cash transactions to bank transfers and more specific ways, all contributing to make shopping simple and secure for both merchants and consumers. For 2016, the company aims for a double-digit growth in all of its markets and to continue to process tens of billions of dollars annually, a clear milestone for a provider without activities in the US or Western Europe. Local Player In order for PayU to deliver up-to-date solutions and technical supports that match local customs, the company has to analyse and understand cultural differences and habits. For this means, the global payment provider insists on having a physical presence in all the 16 countries in which it operates. By being on-site, PayU is able to deliver accurate solutions that ultimately fulfil local needs and changes. Fast-growing countries have never worn such an inspiring name for businesses around the world. They represent huge opportunities for all merchants, provided that they adapt their services to local customs and requirements in terms of purchases. Laurent Le Moal, CEO of PayU.
2 Market Focus This Global Leader, Local Player approach to finance allows PayU to acquire an in-depth knowledge merchants and consumers behaviours within key growth markets. The following cases illustrate main trends and influential factors in payment for India, Latin America, Africa, Poland and Turkey. India Smartphone-based credit for consumers and SMB s India is a cash-based economy with limited credit card penetration rates. Indeed, 45% of online transactions come from cash on delivery 1, a system where payment service providers credit the merchant s virtual account once they receive a confirmation that the product was paid on delivery. However, the dominance of cash transactions slowly decreases as the younger generation (3/4 of Indians are under 34 years old) increasingly uses connected mobile devices. Indeed, 70% of Indian consumers access the Internet via their phones and the country expects to count no less than 700M smart devices by 2020, against 250M today 2. This impressive raise partly explains the recent success of PayU s e-wallet in India and the development of new technologies such as the OneTap payment, made to improve user experience and increase sales conversions. The mobile future of India combined with PayU s local knowledge and trust makes it the prefect candidate to deploy short-term credit options via smartphones. This new financial service will not only boost consumption, it will also leverage the 130,000 Indian SMBs currently supported by PayU. The SMB segment typically relies on secured or unsecured loans and will therefore benefit from facilitated lending opportunities offered by PayU to generate more sales locally and globally. Raj Kamal, Global Head of Strategy & Business Development at PayU. Latin America Cash legacy, privacy and short-term credit options PayU is the largest payment processor in Colombia and a key player in Brazil, Mexico and Argentina. In Latin America more than anywhere else, cash is king! Above 50% of Mexican consumers use cash to buy online 3 while only 1 out of 2 Latin American adults (51%) has access to a bank account 4. The region s informal economy coupled with the culture of under the mattress savings and distrust in the technology are the main reasons leading up to such cash legacy. Despite rather old-fashioned habits and requirements, PayU bets on Latin America s digital future and aims to facilitate access to online transactions by creating innovative and safe solutions such as shortterm credit options. In this particular case, PayU purchases goods online for its users and sends an invoice with interests to be paid in cash at a later date. Not only does it make the user checkout experience much easier (reducing the cart abandon rates), but users also do not have to provide merchants with private information such as the credit card number, address, etc. On that particular note, PayU proves to be a reliable partner in ensuring that all personal data remains encrypted and therefore protected. 1 The Associated Chambers of Commerce & Industry of India, VNI Mobile Forecast PayU Market Statistics Worldbank: global findex database
3 In Latin America, the whole ecommerce and online payments landscape is being reworked to change the way people talk and think about it in order to build trust and make them more confident over time. Martin Schrimpff, Founder and Head of Global Sales at PayU Africa Ecommerce growth and Smartphone penetration Africa is a tremendously promising continent in terms of ecommerce growth: +25% overall, with +23% in South Africa and +54% in Nigeria 5, both countries where PayU operates. Yet, ecommerce only represents 1% of the total retail industry for the continent (amounts for 96.1 billion USD). The market s next few years are thus critical in defining the future landscape of online payments. Behind such high praise is the penetration of smartphones. Both South Africa and Nigeria enjoy the 2 highest penetration rates in the continent (and are listed amongst the top 30 worldwide), respectively with 34 and 27% 6, which accounts for 18.4M and 47.8M people respectively. Therefore, there is no doubt that PayU s bright future in Africa resonates with smartphone-based solutions, as most consumers simply skipped the PC era. It is also worth pointing out that 90% of Nigerian online shoppers with a smartphone have already used it to shop online, which shows that that African consumers are certainly not afraid to jump to the digital paradigm. The costs of Internet usage via Smartphone represents the main concern for both merchants and consumers. To address this particular issue, PayU develops and proposes new payment methods and functionalities that quicken and lighten the Internet usage for users such as the One-Click purchase. The arrival of such attractive models also facilitates merchant s in their challenging but yet necessary transition from the off to the online shopping space. Poland Real-time online banking transfers The Polish online market is one of the fastest growing in the EU with a solid 15% year-on-year ecommerce growth. More importantly, 1 out of 3 Polish consumers uses PayU when it comes to online purchases and 9 in 10 online transactions (88%) made via the platform are paid by bank transfers [pay by link] 7. Needless to say, real-time online bank transfers are key in Poland. To make them possible, PayU connects with many financial institutions in order to create a network that facilitates online payments and transactions. In 2020, ecommerce will represent over 10% of the whole Polish commerce sector. PayU will closely work with Poland s financial actors in order to provide new mobile payment solutions to digital consumers and merchants. - Mario Shiliashki, Head of PayU Europe, Middle East & Africa 5 Finscope Consumer Survey Pew Research Center Global Attitudes Survey 7 PayU Market Statistics 2015
4 Turkey Offering instalments to users PayU is the leading payment service provider in Turkey. 70% of the provider s transactions are made using partial payments (instalments) from credit card issuers 8. As in Poland, the company is connected with major Turkish banks to cater to this preferred payment method and enable up to 12 monthly instalments. Processing such method locally allows the consumer to have better control of the terms and conditions of his monthly fee and provides with many loyalty programs, which are highly popular in Turkey. Overall, Instalments allow Turks to fulfil their local habit of paying progressively throughout the year and thereby having more cash at their disposal each month. Making a difference As seen throughout these overviews, acting locally allows PayU to understand each market and deliver accurate payment solutions that embrace specific customs in terms of purchases. From Payment Service Provider to Global Fintech PayU is a future facing company, always looking to exceed expectations and redefine the way people buy and sell online. The provider is taking on new challenges and foreseeing opportunities in both global trends and local habits. Throughout the company s history, PayU has helped many merchants in accepting local online payments in key growth markets. With 2.2 billion potential consumers and 63% of them without a formal banking product 9 in fastgrowing markets, PayU strives to deliver up-to-date solutions that truly meet each demand. PayU s strategy for 2016 is to build off its global presence and local trust to offer smart financial services, starting with lending for consumers & SMBs in credit-seeking markets such as India, Latin America and Eastern Europe. For the complete presentation of PayU s analysis, visit 8 BKM Advanced Payments Report McKinsey&Company
5 About PayU PayU is the leading payment service provider dedicated to creating a fast, simple and efficient payment process for merchants and buyers in 16 high growth countries in Asia, Central and Eastern Europe, Latin America, the Middle East and Africa. These markets represent a potential consumer base of over 2.2 billion people and the company now counts more than 1,400 payment specialists constantly working to exceed PayU s 160,000+ merchants and millions of buyers. More info over PayU: Global merchants working with PayU: Groupon, Adidas, Amway, Snapdeal, Estée Lauder, Allegro, Tui, DSTV, Avianca, Sony, Starbucks, KFC, Pizza Hut, AVON, Orange, Virgin Mobile and many more. PayU makes up the Fintech division of Naspers Ltd. a broad-based, multi-national Media & Internet group founded in 1915, which provides services in more than 133 countries. Naspers primarily operates in Internet services, especially ecommerce, pay television and print media and is listed on both the Johannesburg and London Stock Exchanges. Contact us for more information: Guillaume Herinckx VADEMECOM sprl Avenue des croix de feu, Brussels Belgium M : T : gh@vademecom.be
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