NAOME N2FINANCE at work 20150401
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Transcript of NAOME N2FINANCE at work 20150401
15 September 2015 By NAOME bvba (Confidential)1
Leon Dhaene
1 January 2014
Network of Alliances, Outsourcing and Merger Experts & n2financepresent…
…@ work …
Strictly
Confidential
2 15 September 2015By NAOME bvba (Confidential)
Expertise
Retail banking, payments and cards
Business Alliances and Global Business Agreements
Mergers / Acquisitions / Integration & Convergence
E-invoicing and self-billing
Single Euro Payments Area (SEPA) & Payment Services Directive (PSD)
Corporate Governance & new organisational structures
Outsourcing Business Processes and Change Management
Business development & new market introductions
CRM / Global Key Account Management
Customer services outsourcing & call centers
Debit and credit cards / issuing, acquiring and card acceptance
Leasing sector
Loyalty programmes and technology
Risk management and fraud detection solutions
Petrol & fleet cards
Managing Global Teams, etc…
3 15 September 2015By NAOME bvba (Confidential)
Customers
Large international financial institutions :
like ABN AMRO, ING, BNP PARIBAS, Tescobank, Crédit Agricole, Invex Banco…
International payment schemes : like Visa Europe, MasterCard Europe, …
Large global processors in financial transactions : like First Data International,
TSYS, Trionis, RS2, …
Large global corporations : TeleTech, LeasePlan, Wipro, bpost…
Large national companies : like Travelcard, Antwerpse Waterwerken, Securex,
Keyware, European Merchant Services,…
National Associations : like CETREL, Paylife, PaySquare…
New payment schemes : PayFair, STS Group…
Regulatory and lobbying : European Commission, BEUC,
Belgian Federal Government…
Specialist companies : like FINTRAX, OCS, TouchClarity,
Archivas, Keesing Reference Systems, IDES Technologies,
Pay & Save, AdValvas,…
Capital Venture companies, seeking investment advice
4 15 September 2015By NAOME bvba (Confidential)
Sectors
Finance : banks, banking corporations,
financial services providers, payment systems,
network services providers, suppliers to the finance sector / payments
business, regulatory, cards, e-invoicing, post office, loyalty programmes, risk
management and fraud detection
Mobility : leasing, automotive, petrol, transportation solutions
Environmental : water management
Outsourcing : call center technology, transaction processing, network services
providrs
E-commerce : risk management, fraud detection, couponing, loyalty
Enterprise software : e-commerce, archiving and
electronic document management, e-invoicing
Regulatory & lobbying : studies in acceptance and consumer
retail payments
Venture capital
5 15 September 2015By NAOME bvba (Confidential)
NAOMEOrganisation
(+3 lead cases per activity segment)
NIMF(NAOME Investment
Management Fund)
• Coach innovators to market
• Assist in the search for
venture capital
• Provide organisational
support & understand
markets
• Lead startup / second round
funded company to reach for
critical commercial mass
OUTSOURCING& business rationalisation
• Define operational excellence
• Identify operational cost
reductions
• Assist in business process
re-engineering
• Specialists in RFI / RFP
• Build / review business plans
• Innovate (e-Commerce, e-
Invoicing, payments, …)
ALLIANCES &
MERGERS& Strategic Consulting
• Coach Board / Management
in strategic reviews
• Identify new trends &
evaluate innovations
• Negotiate business deals,
new contracts, take-overs, …
• Penetrate new markets, new
sectors, new business…
6 15 September 2015By NAOME bvba (Confidential)
Business Development
Processors Payment
Schemes
Solution
providers
Acquiring
domain
Outsourcing
7 15 September 2015By NAOME bvba (Confidential)
Strategic Consulting
Leasing /
fleetBanking
Solution
providersPayment
SchemesProcessors
Others
8 15 September 2015By NAOME bvba (Confidential)
SEPA
BankingPayment
Schemes Processors Regulatory /
Associations
Outsourcing
Leasing /
fleet
9 15 September 2015By NAOME bvba (Confidential)
Corporate Coaching & Investment
Payment
Schemes
Solution
providers
E-
Invoicing
Services
providers
10 15 September 2015By NAOME bvba (Confidential)
OutsourcingRFP support
Outsourcing RFP support
11 15 September 2015By NAOME bvba (Confidential)
New solutions
E-Invoicing Payment
SchemesMobilityIdentificationAcquiring
domain
E-Communities
12 15 September 2015By NAOME bvba (Confidential)
TeleTech
THE COMPANY Customer care management company
25 years old, 33,000+ staff in 16 countries
Broad set of solutions for customer care, covering netware,
software, consultancy, on demand services, training,
channel integration, etc…
THE JOB Strategic consultancy business development Europe
Business
Development
Strategic
Consulting
SEPA
Outsourcing
13 15 September 2015By NAOME bvba (Confidential)
Touch Clarity
THE COMPANY Content targeting and software for the creative
optimisation in the on-line channel
5-20% overall increase in sales or revenue through targeting-enabled pages
Management of sales targets on-line by product
Flexibility to accommodate business constraints and acquisition values for online channel
No politics - decisions of what product to serve are objective and commercial
Campaign management and scheduling tool
Valuable learning about successful creative attributes
Strategic component of CRM (integration of online visitor profiles)
THE JOB Strategic consultancy
Business Development Plan Benelux
Strategic
Consulting
Business
Development
14 15 September 2015By NAOME bvba (Confidential)
Archivas
THE COMPANY Solutions for a more efficient management of your digital information
Solutions compliant with new regulation, new marketing needs, and new archiving technologies (both software and hardware)
Integrated security and destruction mechanisms
Think of the impact of Basel II, Sarbanes-Oxley, the Patriot Act, etc… on your data storage requirements
THE JOB
Strategic consultancy business development Europe
Business
Development
Strategic
Consulting
15 15 September 2015By NAOME bvba (Confidential)
ABN AMROPRIVATE
BANKINGTHE COMPANY Top 10 global private bank :
– 20 countries
– 142 billion € assets
THE JOB Propose a strategy for a global payment system
Integrating cards, credit lines and payment systems
Offering competitive solutions superior to
7 global competitors
Strategic
Consulting
SEPA
16 15 September 2015By NAOME bvba (Confidential)
LeasePlanBelgium
THE COMPANY LeasePlan Belgium :
– Car leasing market leader in Europe
– Market leader in Belgium with over 6,000 customers, using 55,000 cars
THE JOB LeasePlan EasyCard project Belgium :
– Creation of an authorisation network for maintenance, repair, and
tyres
– Increased automated approvals to 90%
– Driver approval via card and PIN
– Flexible petrol card functionality, integrated in the
LeasePlan EasyCard
E-invoicing project Belgium
– Automation of 200,000 incoming invoices : staff cost reduction by 25%
– Automation of outgoing invoices for over 3,600- customers
Strategic
Consulting
SEPA
RFP support
New
solutions
17 15 September 2015By NAOME bvba (Confidential)
Travelcard
THE COMPANY Travelcard only has Dutch clients, approx.:
– 4,000 ‘direct’ clients
– 70 Leasing Companies
> 200,000 Fuel Cards, 440 million litre, 4% market share
Fully owned by LeasePlan, one of the biggestLeasing Company in the world :
– Approx 30 countries
– 1.2 million cars
THE JOB Strategic consultancy business development Brasil
Strategic consultancy business development EuropeBusiness
Development
Strategic
Consulting
SEPA
New
solutions
18 15 September 2015By NAOME bvba (Confidential)
PayLife
THE COMPANY Former Europay Austria :
– Issuer of 1 mio MasterCard (35 mio transactions)
– Issuer of 7 mio Maestro cards (240 mio transactions)
– Acquirer of 100,000+ merchants
THE JOB Advise on a post-SEPA payments strategy
Analyse current / future card processing requirements
Clusteranalysis payment opportunities versus processing needs
Coach RFP-team for outsourcing of transaction processingStrategic
Consulting
SEPA
RFP support
Outsourcing
New
solutions
19 15 September 2015By NAOME bvba (Confidential)
FINTRAX
THE COMPANY Innovative financial services company, based in Ireland, specialising in Payment
Solutions for banks, merchants and tourists.
Offers Dynamic Currency Conversion in 8 countries
THE JOB Advise on a post-SEPA payments strategy
Analysis of major trends in European banking, payment systems, and processing, and impact assessment
Strategic
Consulting
SEPA
20 15 September 2015By NAOME bvba (Confidential)
Securex
THE COMPANY Belgian market leader in Social Management Services
1,350- employees
69,000 associated companies
100,000 associated individuals
THE JOB Advise on a strategy to create new local offices and the
management of business development in new geographical area’s
Create a new operating model, inclusive new profiles for recruitment, for the local offices
Strategic
Consulting
21 15 September 2015By NAOME bvba (Confidential)
OpenChannel
SolutionsTHE COMPANY Leading global provider of software subscription
and e-business management solutions that enable software-as-a-service.
The company’s self-service offerings help organizations increase software renewal revenues, extend their reach and manage sales in the growing SMB market through multi-tiered channels, effectively distribute electronic software and content, and eliminate costly, inefficient e-business IT processes.
OCS is headquartered in Norwood, MA, and has offices in Utah, the Netherlands, Japan and Australia.
THE JOB Strategic consultancy business development Europe
Facilitated contract with major mobile phone manufacturer
Business
Development
Strategic
Consulting
22 15 September 2015By NAOME bvba (Confidential)
AntwerpseWaterwerken
THE COMPANY Belgian market leader in Water Management Services
(collection & distriubtion of drinking-water, collection & purification of waste water)
500- employees
156,000 customers
THE JOB Advise on new strategies for the Customer Contact Center
Coach the Project Management Team in describing the requirements, needs and targets for the new Customer Contact function
Counsel on the construction of a Request for Information / Request for Proposal for the Call Center, and the evaluation matrix to be applied on the different solution suppliers
Outsourcing
RFP support
23 15 September 2015By NAOME bvba (Confidential)
CETREL
THE COMPANY Card issuer & acquirer, and processing company
for the Luxembourg banks :
– Owned by 11 Luxembourg banks
– 1.1 million cards issued
– 12,000 merchants in Luxembourg and Belgium
– 100 million transactions per year
THE JOB Advise on a post-SEPA payments strategy
Analyse Unique Selling Proposition and map versus European market interest
Business Development Plan Belgium
Business
Development
Strategic
Consulting
SEPA
24 15 September 2015By NAOME bvba (Confidential)
FIRST DATA INTERNATIONAL
THE COMPANY Global leader in electronic commerce and payment
solutions, servicing 5 million merchants and 1900 card issuers
worldwide
THE JOB Advise on their proposed Solution Offering Catalogue
(or Product Matrix) in the context of a post-SEPA
payments strategy
Provide strategic consultancy for 14 key markets in the
EMEA Region
Define a limited set of options within 9 subject categories,
which would enable the full set-up and running of a credit,
debit, retail or loan card portfolio
Strategic
Consulting
SEPA
25 15 September 2015By NAOME bvba (Confidential)
Visa Europe
THE COMPANY Provides the brand, systems, services and rules that enable electronic
payments between millions of European consumers, businesses and
merchants.
Association of 4,500 European banks in 36 countries
THE JOB Assist Visa Europe in entering into new market niches
Business
Development
26 15 September 2015By NAOME bvba (Confidential)
Keesing Reference
Systems
THE COMPANY Specialist provider of verification tools and solutions to authenticate ID
documents and banknotes, since 1923.
More than 6000 clients in 120 countries.
THE JOB Advise the Board of Directors & the Management Team on
a strategic business development plan for Europe, integrating
the newest legislation regarding identity control for corporations
and public services, and the different regulations and
recommendations of the different trade associations into a
new tool for identity management and control.
Strategic
Consulting
New
solutions
27 15 September 2015By NAOME bvba (Confidential)
MasterCardEurope
THE COMPANY Provides the brand, systems, services and rules that enable electronic payments
between millions of European consumers, businesses and merchants.
Association of 25,000 member banks in 210 countries worldwide
THE JOB Advise the Chip Centre of Excellence about the chip
personalisation utility business & functional requirements
and business case, competitive advantages and delivery
& distribution methods.Strategic
Consulting
28 15 September 2015By NAOME bvba (Confidential)
Keesing Reference
Systems
THE COMPANY Specialist provider of verification tools and solutions to
authenticate ID documents and banknotes, since 1923.
More than 6000 clients in 120 countries.
THE JOB Formulate a U.K. Business Strategy following new identity
management legislation and create a U.K. Business
Development Plan. Business
Development
Strategic
Consulting
29 15 September 2015By NAOME bvba (Confidential)
Total Systems Europe
THE COMPANY Market leader in electronic payment services to financial
institutions and companies.
More than 300 clients in 75 countries worldwide.
6,700 team members in 15 countries.
THE JOB Strategic market entry plan for Turkey.
Business development Turkey. Business
Development
Strategic
Consulting
SEPA
30 15 September 2015By NAOME bvba (Confidential)
PaySquare
THE COMPANY Issuer of MasterCard and Visa credit cards in the Netherlands
Dutch national acquirer of MasterCard, Visa, JCB,
China Unionpay, Maestro, American Express.
THE JOB Advise the Management Team as to the international expansion
of PaySquare, in e-commerce and POS acquiring by identifying
prospect markets and sectors, outlining market entry strategies,
defining commercial strategies and high level sales
implementation plans.
Business
Development
31 15 September 2015By NAOME bvba (Confidential)
MasterCardEurope
THE COMPANY Provides the brand, systems, services and rules that
enable electronic payments between millions of European
consumers, businesses and merchants.
Association of 25,000 member banks in 210 countries worldwide
THE JOB Advise MCE as to the key components their member banks
should know about SEPA – PSD compliance
Put together a detailed course curriculum regarding debit
SEPA compliance.
SEPA
32 15 September 2015By NAOME bvba (Confidential)
Trionis
THE COMPANY Processing company, formerly part of Eufiserv,
now joint venture between Eufiserv and First Data,
providing a unique offering in the issuer-to-acquirer services :– 78,000 ATM’s
– 1.5 million POS
– 165 debit and credit cards as issuer processor
THE JOB Organise, lead and coach the Managing Board in
defining their strategy for the coming three years Strategic
Consulting
SEPA
33 15 September 2015By NAOME bvba (Confidential)
PayFair
THE COMPANY PayFair intends to launch a new instant debit payment
scheme fully supported by the merchants community,
riding on the momentum created by the introduction
of the SEPA regulation.
The company has recently gone through a first round of
financing and expects the first PayFair transaction to
happen first half 2009.
THE JOB Advise the Board of Directors on key aspects of introducing
a new international payment scheme.
Business
Development
Strategic
Consulting
SEPA
Corporate
Coaching
New
solutions
34 15 September 2015By NAOME bvba (Confidential)
ING
THE COMPANY Global financial institution with more than
85 million private, corporate and institutional clients in
more than 40 countries, served by a diverse workforce of about 110,000 people.
THE JOB Advise the Senior Management on key aspects of cards &
payments, in particular regarding organisational structures,
product management, operational improvement, process &
procedural assessment, cost reduction, and commercial
negotiations with schemes and suppliers
Looked various aspects of card operations, in particular at
the restructuring of identifiers (savings estimated at
4 million euro / year), investigated chargebacks, audited the
MasterCard billing, compliance…
Strategic
Consulting
SEPA
35 15 September 2015By NAOME bvba (Confidential)
Keyware
THE COMPANY Second largest Network Service Provider in Belgium.
Created in 1996.
Provider of Value Added Transaction Processing Services,
with products and applications in the field of electronic payment,
customer loyalty, e-identity, transaction processing and
multi-application payment terminals.
THE JOB C-Management Team on new opportunities arising
from the implementation of SEPA and create new service
offerings for acquirers and banks in the Belgian marketBusiness
Development
Strategic
Consulting
SEPA
New
solutions
36 15 September 2015By NAOME bvba (Confidential)
BNP PARIBAS
THE COMPANY European leader in global banking and financial services
(one of the six strongest banks in the world).
4 domestic retail banking markets (France, Italy, Belgium
and Luxembourg) : total of 16 million retail clients
International networks with operations in 84 countries
(202,500 employees)
THE JOB Advise the Senior Management Team of the Group on
their future cards & payments strategy (2015-2020) and
construct a Strategic White Paper
Strategic
Consulting
SEPA
37 15 September 2015By NAOME bvba (Confidential)
EMPIRIA GROUP
THE COMPANY Organiser of major conference in payments systems,
focusing on payment acceptance, e-commerce and mobile.
Creating a platform to showcase major changes in the industry, to review
innovations, and to discuss issues
Organiser of the yearly Merchant Payments Ecosystem conference
THE JOB Advise the Management Team of the Group regarding the
conference programme
Chairman of the Guiding Hand Awards : looking for the best
innovations in the payment acceptance industry
Strategic
Consulting
Corporate
Coaching
38 15 September 2015By NAOME bvba (Confidential)
IDES TECHNOLOGIES
THE COMPANY Start-up company specialised in risk management and
fraud detection tools.
Unique solution based on statistical pattern recognition, converted from a
successful solution in the medical sector
THE JOB Advise and assist the Board of Directors & Management Team
of the company in putting a business plan together,
search for investors, and set-up the organisation of the companyBusiness
Development
Corporate
Coaching
Strategic
Consulting
39 15 September 2015By NAOME bvba (Confidential)
ADVALVAS
THE COMPANY Company specialised in complex e-invoicing
environments
Solutions for various sectors : parts, leasing, telecom, payment cards
THE JOB Advise the Board of Directors & Management Team
of the company concerning the payment card business
Business development plan banking
Corporate
Coaching
Strategic
Consulting
Business
Development
40 15 September 2015By NAOME bvba (Confidential)
BUREAU EUROPEEN DES UNIONS DE
CONSOMMATEURSTHE COMPANY Defending the interests of consumers at the regulatory
Created in 1962
42 independent national consumer organisations from 31 European countries
THE JOB Define the consumer requirements for payments
Create a White Paper on consumer retail payments
for the regulatoryStrategic
Consulting
41 15 September 2015By NAOME bvba (Confidential)
WIPRO
THE COMPANY Global information technology, consulting and
outsourcing company
145,000 employees serving over 900 clients in 57 countries.
2012 posted revenues of $6.9 billion
THE JOB Provide strategic advice regarding payment markets
Benelux – Germany – Italy
Coach the team in charge of answering an RFI / RFP for a
main transaction processorStrategic
Consulting
Corporate
Coaching
RFP support
Outsourcing
42 15 September 2015By NAOME bvba (Confidential)
Tescobank
THE COMPANY Created in 1997, jointly owned by Tesco and RBS, now fully owned by Tesco
2,818 employees and posted revenues of 702.3 million GBP (2011-2012)
2.8 million credit cards, mainly MasterCard branded
In co-operation with Profit Technologies
THE JOB Analyse the MasterCard billing and costs, as an indicator for cost assessment,
audit of expenses, and performance of underlying business processes
Identify opportunities for cost reduction and increase of revenues
Identify missing or incomplete business processesStrategic
Consulting
43 15 September 2015By NAOME bvba (Confidential)
bpost
THE COMPANY Created in 2010, jointly owned by the Belgian State (50.01%), Post Invest Europe
(19.67%) and the public (29.87%)
670 post offices and 670 PostPoints around Belgium
Delivering 10 million letters and 100,000 parcels on a daily basis
THE JOB Paper invoices are a key core business line for bpost (about 900 million paper
invoices distributed on a yearly basis)
This business is under threat by electronic invoicing and by cheap
service providers from abroad
Mission was to identify new value added services to the paper
invoice : through the print of a QR Code on the paper invoice
an electronic payment facility could be offered to the consumer
Strategic
Consulting
44 15 September 2015By NAOME bvba (Confidential)
PAYMENT SERVICES MARKET EXPERT
GROUP / EUROPEAN COMMISSIONTHE COMPANY
One of the main objectives of the Union is to ensure
the proper functioning of the internal market, of which payment services are an essential part. In a
context of rapid innovation and technological progress, it is important for the internal market to have
sound, user-friendly, efficient and secure payment systems, for the benefit of service providers and users
alike
Composed of individuals with the requisite expertise in the area of payment systems
THE JOB The task of the Group shall be :
– to assist the Commission in the preparation of legislative acts or policy initiatives
regarding payment systems, including fraud prevention issues related to the
payment industry and users;
– to provide insight concerning the practical implementation of that policy;
– to exchange views on up-to-date best practices and ensure monitoring of
potential issues of concern for the market.
Strategic
Consulting
45 15 September 2015By NAOME bvba (Confidential)
RS2 ADVISORY BOARD
THE COMPANY RS2 Software p.l.c., is a global provider of
Card Management Systems software, IT consultancy and related services to
international and domestic banks, service providers, and other financial
organisations.
THE JOB The Advisory Board will guide the company to expand further
its operations and to keep on enhancing
its BankWorks product in order to remain
competitive in the cards and payment industry
Strategic
Consulting
46 15 September 2015By NAOME bvba (Confidential)
Analyst Consultations
THE SERVICE “Analyst Consultations” are usually sessions, whereby specialists seek the
vision of experts regarding the future evolution in a sector, a market, a
business line, of even a particular, individual business or organisation
(corporation or association, or any kind of organisational form) or seek
recommendations regarding future business actions or business ventures;
mostly because of a particular business development or supporting the case
for a financial investment.
THE JOB Done Analyst Consultations for several capital venture or financial
investment groups on various subjects, such as SEPA, the Turkish
POS market, the German credit card industry, the acquiring
market in Brazil, meal voucher business, ….
47 15 September 2015
Customers
…and more…© 2015 N2Finance
CONFIDENTIAL
48 15 September 2015By NAOME bvba (Confidential)
CustomersAnalyst
Consultations
49
NAOME is part of a Pan-European network,
using the common N2Finance network brand
The main activities :
– Business Development
– Strategic Consultancy
– Solution-based Change Management
Focus area’s : payments– SEPA & innovative payment services (inclusive cards systems, credit transfer, direct debit)
– National payment systems & co-operative structures (inclusive fee structures & interchange)
– e-Communities
– e-Invoicing
– Mobility & leasing solutions
– Identification & security systems
– Telco payment services
15/09/2015
© 2010 N2Finance
CONFIDENTIAL
Pan-European Network
50 15/09/2015
© 2010 N2Finance
CONFIDENTIAL
Facing the Future
of Finance THE TAGLINE
Facing :
– N2Finance experts are seasoned and experienced to face the problem of today’s
financial world
– Because of their experience and expertise, N2Finance experts can quickly identify
the key issues in the financial business, define and scope the problem, and propose
effective remediation
Future :
– Key to the N2Finance expertise is a vision of the future of the financial sector, in
various business segments, geographies, technologies, products & services
Finance :
– The activity domain of N2Finance is limited to the financial sector
– N2Finance experts reach out to the entire value chain of payment in the financial
sector, and all related support activities
51
N2Finance is probably the first implementation of the concept of Network
Externalities in a European Business Development environment :
prospect corporations come to N2Finance because it’s Experts have a
large network of C-level contacts in the European financial sector
Those contacts enable :
– To bring clients and customers effectively together
– To understand new trends and innovative solutions
– To assess the strategic direction of the European financial markets
15/09/2015
© 2010 N2Finance
CONFIDENTIAL
Business Development
52 September 15, 2015© 2004 N2€
New solutions
to market
European
corporations
Network
externa-
lity
Strategic
vision on
business
development
Solutions
in
portfolio
Global
changing
economy
In search
of new
business
In search
of new
solutions
Innovators
Operating models
based on …The operating model is based on the premise that companies offering new solutions and companies needing new solutions are not in direct contact with each other
53
N2Finance experts have a vision of the Future of the financial sector,
and constantly check this Vision versus new developments, innovations,
and trends (political, social, economic, geographical, cultural, …)
N2Finance follows the strategic moves of it’s corporate network
closely : what does the sector need and what does the sector require
N2Finance is at the heartbeat of new technologies, products &
services : what works versus what doesn’t work (yet)
N2Finance has a massive expertise ingrained in it’s seasoned experts
15/09/2015
© 2010 N2Finance
CONFIDENTIAL
Strategic Consulting
54
N2FINANCE groups
45 experts covering
22 European markets
Covering all aspects of
payments :
– Credit transfers
– Direct debit
– Giro payments
– Card payments
– Online payments
– Mobile payments
– Virtual currencies
15/09/2015
© 2010 N2Finance
CONFIDENTIAL
Europeanexperts
55 15 September 2015By NAOME bvba (Confidential)
CONTACT :
Leon DhaeneManaging Director - NAOME bvba
Chairman – N2FINANCE
Member of the European Commission Payment Systems Market Expert Group / Directorate General Internal Market and Services
E-mail :
Tel. +32-473-642249
Thank you for your attention…