MultiChannel Payments - Unlocking the Potential
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Transcript of MultiChannel Payments - Unlocking the Potential
MULTI-CHANNEL PAYMENTS – UNLOCKING THE POTENTIAL
Alan Moss
M O R E G O O D N E W S F R O M M A R I O . . .
€ 1.900 Bln
37,2 Bln (+9%)
8,8 M
Source: ECB Blue Book, Sept 2012
2
Num
ber
of T
rans
actio
nspe
r Y
ear
in B
illio
ns
0
5
10
15
20
25
30
35
40
2000 2001 2008 2010 20112002 20092003 2004 2005 2006 2007
Use of the Main Payment Instruments in the EU (2000-2011)
Credit transfers
Direct debits
Card payments
Cheques
C A R D PAY M E N T S P E R C O U N T RY
94% of all EU transactions from 12 countries
3
9,434
7,625
2,7212,324 2,173
1,746 1,736
1,227 1,092 1,049 996 942
2,019
401
258
234
311
69
113
307
201
177
390
90
329
74
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
10,000
UK
Franc
e
Germ
any
Nethe
rland
s
Spain
Italy
Sweden
Portu
gal
Finlan
d
Belgium
Poland
Denm
ark
Other
0
50
100
150
200
250
300
350
400
450
Transactions in Millions
Value/Terminal K€
EU Avg
Source: ECB Blue Book, Sept 2012
C H A N G I N G PAY M E N T S M I X – U K E X A M P L E
Card Not Present playing an increasing role
4
995 1,108
6,1666,560
7,0247,430
8,327
878792729
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
2007 2008 2009 2010 2011
Tra
nsac
tions
in M
illio
ns
CNP Face-to-Face
Source: Payments Cards & Mobile/UK Payment Statistics
C H A N G I N G PAY M E N T S M I X – U K E X A M P L E
Card Not Present playing an increasing role
5
CNP Transactions
Internet76%
TelephoneOrder22%
Mail Order2%
Source: Payments Cards & Mobile/UK Payment Statistics
C H A N G I N G P O I N T O F I N T E R A C T I O N
6
Offline Online Multichannel Omnichannel
Stationary In The Cloud
Plastic NFC, Mobile, QR, GPS
Mobile
Th
e Un
iversal Merch
ant
Dramatic changes converging to transform consumer behavior
Consumers know
What they want
Who has it
What is costs
T O D AY ’ S C O N S U M E R I S C O N N E C T E D
7
Consumers what
Better selection
Better service
Better pricing
R E TA I L E R S A L S O H AV E N E E D S
8
Make me faster and more nimble and make changes simple
Solve all my payments problems, not just one component
Give me a long term payments road-map to prevent frequent unplanned changes
Secure my cardholder data, take store systems and integration out of scope
A partner who can bring together a comprehensive multi-faceted solution
Let me focus on the consumer and my business to innovate the store experience
Drive footfall, increase spend or reduce cost
I N T R O D U C I N G PAY M E N T S A S A S E R V I C E
9
Point’s Payment-as-a-Service Platform
Poi
nt S
oftw
are
& In
dust
ry a
pplic
atio
ns
Any processor/acquirer
Any Service Provider(loyalty, coupons, pre-paid,
vouchers, etc.) Sec
ure
gat
eway
Point’s secure proprietary
network(secured
transmissions)
Point’s gateway(bank/acquirer-neutral/PCI-certified)
Som
e 3rd party providershosted by P
oint
Consumer
Shops
Restaurants
TransporT
Hotels
INVOICE COUPON
VOUCHER
INVOICE COUPON
VOUCHER VOUCHERINVOICE
INVOICE
Payment Methods
Terminal/VAS
eCommerce/online payments
mCommerce
Credit/debit cards
Vouchers
Invoices
Loyalty
Direct debit
Coupons
Everything required for secure and reliable payment acceptance
Key Facts Proprietary secure network PCI DSS certified Multi-channel capabilities Open platform (acquirer
and third party neutral)
200 million transactions per month Connected to 50 acquirers Expanding to new markets in
Europe as well as outside Europe
M A N A G E D S E R V I C E I N F R A S T R U C T U R E
Gateway
Reporting and Management
Card Payment
Value AddedServices
Point-of-Sale Solutions
Fixed*
Internet/CNP Solutions
Portable*
Internet Mail Order/Telephone Order
RecurringPayments/
Subscriptions
Enter Card:
* Standalone or Integrated with POS
Mobile
10
C O M P E L L I N G VA L U E P R O P O S I T I O N
11
Simple monthly fee pricing structure
No capital expenditure
No accreditation fees
Easy to integrate
Easy to implement
Authorisation
Settlement
Web Portal
PAYwareMerchantManagedService
PAYwareMerchantStore andForward
RBSWorldpay
C O M B I N I N G M O B I L I T Y A N D M E D I A
12
5,500+ EMV contactless payment systems for card acceptance
H A R N E S S I N G T H E S M A R T D E V I C E
13
Micro Merchant
Enterprise
I N - S T O R E M O B I L I T Y
14
Increase revenue with access to near real-timeinventory, pricing and on-the-spot credit cardtransaction
Eliminate line abandonment and convert salesby expediting checkout
Encourage repeat customers by improvingthe customer experience with personalizedone-on-one attention
Create new sales opportunities outside of the store
Empower workers with up to date information from anywhere
iPad Retailing
Clienteling
Inventory Mgmt.
mPOS
GlobalBay mobile POS applications
NFC Issuance Mobile Commerce Apps
PaymentsCoupons/
PromotionsTickets
Prepaid/Loyalty
Wallet App
Secure Element
MNO
TSM
OTA Provisioning
NFC Acceptance
Common Interface Standards
Open API
App & Terminal Mgmt.
VeriFone Estate Management
Transaction Mgmt. & Routing
PAYMEDIA Network Services
Flexible NFC App Software
NFC App Manager
M A N A G I N G N F C I N F R A S T R U C T U R E
15
B E N E F I T I N G T H E M E R C H A N T
16
Make you more nimble to support a faster pace of innovation
Future-proof your payment system
Eliminate the complexity of payment system changes
Secure cardholder data and take your store systems out-of-scope
Improve the in-store shopping experience
Enable you to concentrate on your customers
Solving the total payments problem so you can focus on your business
COMPLEXITY
17
COM P L E X IT Y IS AN OP P ORT UNIT Y AWAIT ING …
SIMPLIFICATION
18
MULTI-CHANNEL PAYMENTS – UNLOCKING THE POTENTIAL
Alan Moss