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Payvision corporate presentation

Payvision corporate presentation

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  • Payvision processed over 80 million transactions in 2011, which is about 150 transactions per minute with an average value of $37.5 - Our Full Service Model is s calable up to 22+ billion transactions, which is 42.000 per minute.
  • After all, in 2011 there were over a 100 billion purchase transactions processed by the card associations worldwide. Payvision processed over 80 million transactions in 2011, which is about 150 transactions per minute with an average value of $37.5 - Our Full Service Model is s calable up to 22+ billion transactions, which is 42.000 per minute.
  • Netswipe™ Next level online and mobile payments. Without the need to purchase and install additional hardware, you can accept credit card payments today. Improves experience and better risk management.

Payvision corporate presentation_v4.9 Payvision corporate presentation_v4.9 Presentation Transcript

  • GENERALOVERVIEW2012
  • General Overview 2012 COMPANY MILESTONES 10th Anniversary Founded in The Payvision specializes Madrid Office Singapore Office Hong Kong Office Payvision member Netherlands in CNP Payment Visa & MasterCard Solutions Platform 2.0 live Payvision offers Risk Platform 3.0 live Management Macau BIN live Solutions for PSPs / 50+ Employees Acquiring Banks 100+ employees 2002 2004 2005 2006 2007 2008 2009 2010 2011 2012 New York Office Payvision Profitable Processing volume BIN sponsorship exceeds $1Billion Wing Hang Bank in Hong Kong Utah Office Paris Office| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 PARTNERS TO RELY ON CUSTOMER RELATIONSHIP ▶ Global Acquiring Relations ▶ Personal ▶ Visa / MasterCard ▶ Service support 24/7 ▶ OmniPay ▶ Implementation ▶ EMC ▶ Educational ▶ DNB ▶ Trusted Advisor ▶ ‘Research’ Partners ▶ Premier Partner Program VALUE PROPOSITION CORE COMPETENCES DISTRIBUTION CHANNEL ▶ Card Processor ▶ CNP / CP Processing ▶ EU – Indirect via PSP ▶ Domestic Global Acquiring ▶ Global Bank Network ▶ US – Indirect via PSP ▶ Underwriting ▶ APAC – Direct and Indirect ▶ Fraud/Risk Monitoring ▶ BIN Sponsorships ▶ ‘Outbound and Inbound marketing’ ▶ Interchance Optimization ▶ Extranet portal ▶ 40 countries / 150 currencies ▶ Multi currency processing ▶ Full Acquiring Member CORE ACTIVITIES ▶ Single connection & report CUSTOMER SEGMENTS / TARGET ▶ Product Development ▶ Fast Boarding Process ▶ Domestic Midsize Banks ▶ Sales & Marketing ▶ Financial Institutions ▶ Services & Consultancy ▶ PSP’s / ISO’s / MSP’s ▶ 24/7 Customer Support ▶ Industry Groups & Trade ▶ Sandboxing Associations ▶ ‘Analysts and Media’ REVENUE COSTS ▶ Signup costs ▶ Variable costs: fixed per item or ▶ Monthly fees percentage of Value ▶ Transactional fees ▶ Fixed costs: Labour; ICT & ▶ Commission / Merchant Service Fees Operations; Marketing; Offices ▶ Chargeback fees ▶ FX conversion| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 CONNECT AND GROW Key to Profitable Global E-Commerce by Making your Cross-Border Payments Domestic GLOBAL CARD PROCESSING INNOVATIVE PAYMENTS PAYMENT EXPERTISE RISK & FRAUD MANAGEMENT TRANSACTION 26% OF TOTAL GROWING FAST, 82 FTE 0,0001% PROCESSING VALUE PAYVISION’s HUMAN IN 2011, 100+ FTE IN OF ALL ANNUAL OVER $3 BILLION IN RESOURCES CONSIST 2012, SERVICING 300+ ONLINE 2011 AND GROWING OF EUROPEAN ISOs / PSPs AND TRANSACTIONS END RAPIDLY. RESEARCH & 5,000 MERCHANTS UP IN A FINANCIAL DEVELOPMENT STAFF. WORLDWIDE. LOSS.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 VALUE CHAIN One Full Service Payment Platform for all your global transactions. Scalable up to 22+ billion transactions, which is 42.000 per minute. Custom er Acquiring Acquiring P SP Credit/ Debi t Online processor Bank (BIN) Issuing Bank Merchant ▶ S ervices ▶ Payment acceptance ▶ Route transaction data ▶ Assume merchant offered ▶ Fraud detection and ▶ Requesting authorisation chargeback risk prevention from the scheme ▶ Card scheme compliance ▶ Merchant reporting ▶ Assisting acquiring banks in ▶ Merchant underwriting the ‘handling’ of the network associations, avoiding penalties, etc.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 VALUE CHAIN One Full Service Payment Platform for all your global transactions. Scalable up to 22+ billion transactions, which is 42.000 per minute. Custom er Acquiring Acquiring P SP Credit/ Debi t Online processor Bank (BIN) Issuing Bank Merchant ▶ S ervices ▶ Payment acceptance ▶ Route transaction data ▶ Assume merchant offered ▶ Fraud detection and ▶ Requesting authorisation chargeback risk prevention from the scheme ▶ Card scheme compliance ▶ Merchant reporting ▶ Assisting acquiring banks in ▶ Merchant underwriting the ‘handling’ of the network associations, avoiding penalties, etc. ▶ Market ▶ Payvision ▶ Payvision ▶ P ayvi si on players ▶ Adyen ▶ Cybersource ▶ Chase Paymentech ▶ Cybersource ▶ Datacash ▶ RBS ▶ Datacash/MasterCard ▶ FirstData ▶ Standard Chartered Bank ▶ GlobalCollect ▶ Worldpay/Streamline ▶ Wirecard ▶ Netgiro ▶ Ogone ▶ Realex ▶ WorldPay| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 FULL SERVICE MODEL Three Service Layers PAYVISION PYRAMID 1. CARDHOLDER INTERACTION 2. CARD PROCESSING 3. REPORTING AND AND SCREENING FINANCIAL MANAGEMENT ▶ PSP functionality ▶ Domestic Banks in various regions ▶ One overview of your complete portfolio ▶ Multi-currency (150+) ▶ Multi-currency processing with various Banks ▶ Risk Management ▶ Multi-currency settlement ▶ Interchange Management ▶ Fraud scrubbing ▶ Global local presence (North America, ▶ Reconciliation ▶ Dynamic Currency Conversion Europe, Asia) ▶ General Ledger feeds ▶ 3D-Security / CVV2 / CVC2 ▶ Multi-Bank platform managed in ▶ Graphic reports corporation with OmniPay ▶ Charge Back handling ▶ Recurring Payment facility ▶ One clearing process for all of your global ▶ Interactive Charge Back handling ▶ Card-checks business possibilities ▶ Blacklisting ▶ Interchange optimization ▶ URL-/Device- and Geo-location checks| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 INSTITUTION HIERARCHY 2012 The hierarchy and transaction flows of the Payvision institution replicates the structure of the below diagram. PAYVISION EU APAC APAC BANK CANADA MERCHANT BANK BANK MACAU BANK BANK PSP PSP PSP PSP PSP MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 INSTITUTION HIERARCHY 2012+ The hierarchy and transaction flows of the Payvision institution replicates the structure of the below diagram. PAYVISION PAYVISION EU BANK 2ND AUSTRALIA CANADA AMERICAN CHINA APAC BANK US BANK BRAZIL JCB PSP (2) APAC BANK BANK BANK EXPRESS UNION PAY PSP PSP ISO PSP ISO PSP ISO PSP MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT MERCHANT| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 INSTITUTION GLOBAL ALLIANCE HIERARCHY One Full Service Payment Platform for all your Transactions. Global Domestic Acquiring with the same quality in each region! PAYVISION INSTITUTION EUROPEAN BANK APAC BANK REGIONAL BANK US BANK APAC CANADIAN EUROPEAN CANADIAN EUROPEAN APAC APAC CANADIAN US BANK US BANK US BANK EU BANK BANK BANK BANK BANK BANK BANK BANK BANK| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 CONNECT AND GROW Payvision brings Payment Service Providers (PSPs) to the Banks, and Banks to the PSPs. It’s all about global cross-selling, we all benefit. PSPs and ISOs ACQUIRING BANKS| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 CONNECTING THE DOTS... CONNECT AND GROW One Full Service Payment Platform for all your Transactions. Global Domestic Acquiring with the same quality in each region.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 INNOVATION We offer innovative technological solutions in sync with next generation payment methods.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 MOBILE PAYMENTS Netswipe™ - without the need to purchase and install additional hardware, you can accept credit card payments today. Improves experience and better risk management. WHY SHOULD YOU BE INTERESTED HOW IT WORKS ▶ Online Card Present ▶ OCR engine: we acquire payment data using optical character recognition to ▶ Easy and convenient identify two dimensional and embossed characters on the face of the card using ▶ Secure a devices camera ▶ Jumio brings the benefits ▶ Card Security Code (CVC, CVV, CVC2, etc.): we require consumers to confirm their from face-to-face-payments to e- credit card by entering their CVC. To prevent key logging, we can implement an commerce. onscreen keypad to enter in data with a mouse ▶ Jumio’s patented technology turns the ▶ Live Video Stream Capture: we do not take pictures of credit cards or IDs; instead, camera of the computer or mobile into we send a direct video link from the consumers device to our servers to analyze the a card reader. The most secure form of card on the fly online payment possible ▶ Data encryption: once we acquire payment data, we use standard SSL on ▶ More privacy transmission for secure encryption. We then submit encrypted data for bank ▶ No false positive rejections processing ▶ No manual population of fields ▶ Server Security: all data is located in a secure environment, protected by an alarm installation, and is monitored 7 days a week, 24 hours per day. All data is protected by firewall ▶ Fraud checks: fraud checks are returned via API and available in a backend. Merchants can choose which transactions to process depending on the result of fraud checks ▶ PCI/DSS: 100% compliant| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 INNOVATION With Payvision web-based Reporter you track, analyze, manage and control your global card payment transactions.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 UNDERWRITING AND RISK MANAGEMENT Our holistic approach to Risk has resulted in one internationally approved Risk and Underwriting Protocol. Only 0,0001% of all Annual Online Transactions end up in a financial loss.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 EXECUTIVE MANAGEMENT RUDOLF BOOKER - CHIEF EXECUTIVE OFFICER At the birth of e-commerce, Rudolf envisioned the enormous potential of online Payment Processing and invested in innovative solutions. Rudolf is an entrepreneur who understands and anticipates on future business needs and changing market trends, in the different regions worldwide. He has built a global network of successful strategic alliances with domestic acquiring banks, international payments service providers and their merchants, a network which continues to expand. GIJS OP DE WEEGH - CHIEF OPERATING OFFICER Having previously worked in the Banking Industry, Gijs op de Weegh joined Payvision in 2002 as Head of Legal and Financial Operations. Gijs is currently responsible for Global Operations. His experience with the different aspects of e-commerce and his knowledge and insight in the complexity of Card Payment Services and Solutions, enable Gijs to understand the dynamics behind future trends. Gijs has been the driving force behind innovative high-tech solutions, developed in-sync with changing business needs, which he foresees in the near future. Developments for which Payvision is well prepared. CHENG LIEM LI - CHIEF COMMERCIAL OFFICER Cheng gained experience in ICT and Telecom before joining Payvision in 2003. As a member of the Executive Board, Cheng successfully developed partnerships with domestic acquirers and payment service providers worldwide. The dedication and commitment with which Cheng engages with business partners has built him a reputation of a trusted advisor, whose relentless drive inspires those working close to him.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 EXPERTISE Where do our Executives come from...| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 GLOBAL TRANSACTION VOLUME CAGR 14% Global E-payments transaction volume E-payments transaction volume per region 2009-14 (in $billion) 2010-14 (in $billion) 1800 1,200.00 Goldman Sachs 1600 1,000.00 1400 FedEx CAGR 14% 800.00 1200 600.00 1000 RBS 800 400.00 600 200.00 Aggregated 400 - market data 2010 2011 2012 2013 2014 200 0 Europe North America APAC Rest of the world 2009 2010 2011 2012 2013 2014 ▶ E-payments market forecasts are very diverse but they all Estimated CAGR e-payments transaction ▶ Estimation estimates show steady growth in the next five years volume, 2010-14 (in %) Europe 10% ▶ Growth ▶ While online payments are expected to grow approx. 14% North America 11% year-o-year, the growth champion is China with APAC 20% estimated growth of 30% in the next 5 years Rest of the world 21% 1 Source: Goldman Sachs Forecast June 2010 2 Source: FedEx market report taken from inbound logistics market trend report June 2011 3 Source: RBS and Capgemini World Payments Report 2011 4 Source: Data combined from several sources including Forrester Research, Javelin Payments Forecast 2011-2016, RBS and Capgemini World Payments Report 2011.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 THE PROFITABILITY OF THE ACQUIRING MARKET IS INVERSELY RELATED TO THE SIZE OF THE MERCHANT Total sales of all merchants ▶ > $ 1bln (Top150) ▶ Mil lion - $1bln ▶ 100,000 - $1M illi on ▶ <100,000 Volume Merchants Revenue captured by acquirer ▶ Value chain ▶ 90% of merchants process less than $100,000 per year. Whilst this category only generates 10% of total merchant sales, it represents in the order of 45% of the total revenues captured by the acquiring side of the value chain. Source: The Merchant-Acquiring Side of the Payment Card Industry: Structure, Operations, and Challenges, FDR of Philadelphia, October 2007| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 2010: $572BLN E-COMMERCE SALES WORLDWIDE Growing to almost $1.4 trillion by 2015 (Source: JP Morgan 2011) Global Value 2010 Payvision Value 2011 Payvision Growth Online Retail Sales Card Holders Destination 2010 – 2011 in %| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 CROSS-BORDER E-COMMERCE VOLUME $300 BILLION GLOBALLY Growing twice as fast as IS-retailing. (Source: Euromonitor 2011) 12 countries claim 80% of the world’s Payvision’s transaction processing value over $3 billion in 2011, cross-border power shoppers. Where which is 1% of total cross-border e-commerce volume. Our volume do they live… (Source: FiftyOne 2011) and growth in these 12 countries that claim 80% of the world’s cross-border power shoppers.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 EMERGING MARKETS AND E-COMMERCE The UK / US / European e-commerce market is still showing strong growth, but the marketplace in e-commerce is now becoming global. Growth Year-Over-Year (in %) Growth Payvision (in %) 2010 versus 2011 2010 versus 2011 South Korea South Korea Brazil Brazil Mexico Mexico Australia Australia New Zealand New Zealand Japan Japan Singapore Singapore Canada Canada Philippines Philippines Hong Kong Hong Kong| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 SOLID PARTNERSHIPS The best breed of Partners with a Vision that leads to Profitability. CONNECT AND GROW| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 MARKET INSIGHT - US US e-retailers miss out on selling to global shoppers given that 90% of the world’s consumers live outside the US! US, with only 14% of their transactions e payment service coming from international consumers. The countries with the most international e-commerce sales are Hong Kong (96%), mainland China (90%), Japan (71%) and Canada (55%). (Source: PayPal study of global e-commerce) USA 70% of shoppers online used major credit cards. 14% of transactions U.S. e-retailers process with PayPal for international customers, 48% come from customers in English-speaking countries such as the United Kingdom, Canada and Australia, with the rest from consumers in Europe, and the Asia-Pacific region. When it comes to shopping across borders, international online shoppers in 6 emerging e-commerce markets in Asia-Pacific prefer to buy USA. (Source: Nielsen / VISA)| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 MARKET INSIGHT - CHINA 35% of all consumer e-commerce spending in the Asia Pacific are overseas online purchases. APAC prefers to buy USA with one exception: mainland China online shoppers preferred Hong Kong shopping sites. December 29, 2011 - If we were to lay all 8 billion issued credit cards side by side, we get an area of 37 km2 The three largest credit card companies are Visa (28.6%), China Union Pay (29.2%) and MasterCard (20%). China Union Pay has issued twice as many credit cards as the combined population of the U.S. and Europe (2.3 billion). Altogether, a total of 16.8 billion transactions have been recorded. A total $12,680,280,000,000 dollars has been spent on credit cards, which would correspond to $1818 per citizen of the earth. (Source Paylane) CHINA 2012 will see the rise of the local global e-marketplace. Brazil is leading the global e-shopping charge with 81% of consumers keen to shop in different markets online , followed by Indonesia (77%), Thailand (74%), China (69%) and Spain (66%). (Source Global Rakuten) Biggest proportion spent online: Singapore (61%); Australia (48%) and China (35%). Highest spender (average value) on cross border e- commerce Singapore (US$1,892), Japan (US$1,827), India (US$887).| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 MARKET INSIGHT - MIDDLE EAST UAE accounts for 60% of GCC e-Commerce spend. GCC region looks set to emerge as the new economic power by 2020. (Source: 22 Nov 2011 – Khaleej Times) B2C e-Commerce sales in the UAE are estimated to have B2C E-COMMERCE grown to almost $2 billion in 2010, which equates to approximately 55-60% of total GCC e-Commerce sales that are estimated to be between $3 and $3.5 billion, and expected to reach $5 billion by the end of 2011. MIDDLE EAST With internet usage in the region growing by a staggering 1500% PURCHASE TRANSACTIONS since the year 2000, from a mere 1.2 million in 2000 to 18.7 million in 2010, e-Commerce gaining increased momentum. Currently, the Middle East region hosts 63 million internet users and internet penetration in the region is one of highest in the world| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 MARKET INSIGHT - EUROPEAN UNION By 2015, 50% of all consumers should be buying online and 20% cross-border online. (Source: 2011 - Consumer Conditions Scoreboard) By 2015, spending across the region will reach $343.5 billion , with 58.2% of the total, or $199.9 billion, coming from France, Germany, Italy and Spain. EU aims to double e-commerce volume EUROPE by 2015. The European Commission has unveiled a plan to encourage EU consumers to make their purchases via the internet, thus hoping to lift the share of e-commerce in retail sales from 3.4% to 6.8% by 2015. EU retailers that sell online (~50% of all retailers) only 21% took orders from consumers from other countries. (Source: Internet Retailer) In 2011, 58% of internet users aged 16-74 in the EU27 had ordered goods or services over the internet. The highest shares were observed in the UK (82%), Denmark and Germany (both 77%), and Sweden (75%). (Source: December 2011, Eurostat)| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012 MARKET INSIGHT - AUSTRALIA In 2010, 40% of online expenditure in Australia is to overseas sites. (Source: 2011 - Frost & Sullivan) The retail sector in Australia has a turnover of $243 billion ($255bln USD) per annum. The biggest segment of that is food retailing at 39.8% followed by household goods at 17.7%. (Source: Australian Bureau of Statistics ) Excluding spending on overseas sites and on services, online retail spending accounts for around 3% of Australia’s total retail sales. AUSTRALIA This compares to over 5% in both the US and UK. 40% of online expenditure in Australia is to overseas sites. (Source: Frost & Sullivan) PayPal estimates that the e-commerce has increased from $24 billion in 2009 to $27 billion in 2010 and predicts further growth of a little over 10% a year over the next few years.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012