Creating the future of digital values

Nets is specialising in managing digital values through the delivery of strategic consulting and IT solutions

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Our Vision Creating the future of digital values

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Vision and mission

Our Code (ACT) Being Accountable, Customer driven and delivering results Together are the guiding lights of our work

Our mission We enable a more efficient society and optimise our customers’ business through digital values

Our strategyTo become a top 3 player in Europe specialised in managing digital values. The company is a strategic supplier to its customers, founded on safe and stable operations.

Nets’ business in numbers

Payment servicesfor most households in Norway and Denmark

33m33 million cardson Nets’ platforms

500,000More than 500,000 merchants serviced

7.8mMore than 7.8 million digital identities issued

500,000More than 500,000 terminals interactwith Nets

45%45% of the Nordic market for card processing

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Nets in brief

Payment services to most households in Norway and Denmark

Nets’ network connects more than 260 banks

More than 7, 8 million digital identities issued

33 million cards on Nets’ platforms

Processes 1 billion digital identity transactions annually

More than 2,600 skilled employees

Over DKK 6.6 billion in revenues

Services more than 500,000 merchants

140,000 creditors use our services along with5,000 public sector customers

More than 500,000 terminals interact with Nets

Our business and expertise

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We are a trusted Nordic IT company with a market-leading position in northern Europe. We connect businesses, the public sector and consumers via an international network, which facilitates the exchange of digital payments, identity and information – what we call “digital values”.

We work towards the vision of creating the future of digital values. Focusing on future payments, we offer a wide range of standard or customised end-to-end, modular IT solutions. These build on our comprehensive northern European network and proven platforms. They also leverage our unique level of multidisciplinary expertise, which enables us to provide complementary strategic consulting services.

Our customers come from across society. They include banks, corporations, merchants of all sizes and public sector organisations. Reflecting this, we provide a comprehensive choice of services covering: Cards, Payment and Information Services, eSecurity and Merchant Solutions.

Behind everything we offer there is a simple promise: Digital values managed by Nets connects you to a simpler, smarter and safer way of doing business.

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Sector Services

For decades Nets has been instrumental in developing the payment systems in the Nordic countries.

This has developed into the world’s most modern and efficient infrastructure for managing invoices, payments and documents.

Financial Services

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Individual banks, businesses and public sector all enjoy business benefits when working with Nets.

We act as a trusted outsourcing partner for BPO projects and provide a stable and secure platform for acquires and issuers as well as providing information-, mobile and digitisation services to create efficiency and scalability.

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Merchant Services

Nets’ payment solutions enable merchants in all industries to accept electronic payments. Physical or online.

We offer a complete portfolio of payment solutions and value-added services for all types of businesses and channels. Our solutions cater to the needs of small shops as well as large multinational retail chains.

Our network

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BANKS

DATA CENTRES

CONSUMERS

PARTNERS

BUSINESSES AND PUBLIC SECTOR

MERCHANTS

Card schemes

Direct debit schemes

Electronic ID schemes

E-invoice solutions

Clearing services

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Our customers

Card management services

Acquirer services

Back-end processing

Issuer services

BPO services

Information services

Digitisation services

Mobile solutions

Terminal solutions

POS and PSP services

Financial acquiring

E- and m-commerce

Prepaid and vouchers

Banking sector Banks, businessesAnd public sector

Merchants

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Our brands

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A gateway to Europe and the Nordic regionWe are based in the Nordic region, and follow our customers into new markets

Your possibilities with Nets

Utilise standardsCompetitive and less

expensive transition to international standards for

our customers

Competitive skills with local knowledgeA competent, solid and safe partner with strong Nordic roots

Increase scaleBoth banks and their customers have the

opportunity to centralise and streamline their

solutions

Choose from a broad product portfolio

Nets has one of the most extensive and innovative

product portfolios for cards and payments in Europe

Nets and the financial sector

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For the financial sector, trustworthiness is the key. Numerous stakeholders demand flexible solutions that reduce operating costs while maintaining high security levels.

Our experience and know-how make us a trusted partner in developing and running all-in solutions in a complex stakeholder environment.

Nets for banks, businesses and public sector

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The competitive environment means that individual banks demand services that are transparent, personalised and fairly priced.

We deliver standard and flexible solutions to individual banks that reduce costs and risks, while providing a platform for continuous improvement and differentiation.

Nets for merchants

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Effective payment instruments are significant in creating a great sales experience. This includes efficient handling of after-sales and fraud issues.

We offer a wide range of products and concepts directly and through partnerships. This makes us an ideal partner for small and large merchants alike.

Our Nordic roots and expertise

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Nets’ strong presence in the Nordic market means

that we know local market conditions, legislation and

trends better than most. We speak the local

languages, and we are therefore quick to adapt to our

customers’ need and demands.

Our offices

Copenhagen - HQ

Copenhagen - HQBallerup

CopenhagenBallerup

OsloRommen

OsloSkøyen

Stockholm Helsinki Talinn

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Nets’ organisation

CEO

Bo Nilsson

CFO

Stig F. Poulsen (Interim)

Merchant Services

Peter Wirén

Financial Services

Susanne Brønnum

Sector Services

Freddy HaraldsenIT

Pia Jørgensen

Strategy & Transformation

Frode Åsheim

Business Units Group Units

Operations

Pia Jørgensen

(Interim)

Communication

Klaus S. Madsen / Trygve Ilkjær

(Interim)

Legal

Jens Heurlin

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Stig F. Poulsen

CFO (interim)

Freddy Haraldsen

Sector Services

Peter Wirén

Merchant Services

Susanne Brønnum

Financial Services

Pia Jørgensen

IT & Operations

Frode Åsheim

Strategy and Transformation

Executive Committee

Bo Nilsson

CEO

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Board of directors

Inge K. Hansen

Chairman

James Brocklebank

Advent International

Lars Morten Haga

Nets Norway AS

Humphrey Battcock

Advent International

Robin Marshall

Bain Capital

Luca BassiBain Capital

Ove Kolstad

Nets Norway AS

John Helmsøe-Zinck

Via Venture Partners

Frank A. Olsen

Nets Denmark A/S

Ulrik Røikjær ThomsenNets Denmark A/S

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About Nets’ owners

Founded in 1984, Advent International is one of the largest and most experienced global investors dedicated solely to private equity. Since inception, the firm has invested in more than 290 buyout transactions in 39 countries and today has EUR 23.0 billion in assets under management.

Advent International has deep experience in the Nordic IT sector through it’s investment in Danish KMD.

Founded in 1984, Bain Capital is one of the world's foremost privately-held alternative investment firms, with more than DKK 370 billion of assets under management.  The firm has made private equity, growth, and venture capital investments in more than 450 companies, across a variety of industries.   Bain Capital has a strong track record of investments in the payments processing, financial services and technology sectors, including its investments in WorldPay.

ATP manages DKK 618 billion in pension savings for 4.8 million people and is one of Europe’s largest pension investors. The objective of ATP’s investments is to protect and maximize the purchasing power of pension savings.

ATP Private Equity Partners handle private equity investments on behalf of ATP. ATP Private Equity Partners was formed in 2001, and has since then focused on investments in private equity funds as well as co-investments with such funds.

Via Venture Partners is among the largest investors in the Nordic region dedicated to IT company investments. Via Venture Partners Fond I & II are subsidiaries of the ATP Group.

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Nets’ historical development

The foundation stone of PBS is laid by the Danish banks

Commercial banks in Norway

Bankkort AS is founded

BBS is founded

PBS is established as a company

PBS is split up into three separate companies

BBS acquires Ingenico AB

PBS buys PBS International

BBS and PBS create the joint venture company NETS, offering card processing services

2000

196869

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72

86

03

2007

BBS acquires LD Betalingssystemer

BBS acquires LD, PBS acquires Auriga

BBS acquires Sagem Denmark

Nets is created

Nets acquires Luottokunta, Finland

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06

070809

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2010

Nets is acquired by Advent International,

Bain Capital & ATP2014

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Nets’ journey from paper based giros to electronic IDs and electronic invoices

Nets historic business milestones

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NetsLautrupbjerg 10DK-2870 BallerupDenmark

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