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Corporate presentationpresentation Corporate presentationpresentation Presentation Transcript

  • General Overview 2012VALUE PROPOSITION▶ Card Processor▶ Global Bank Network▶ BIN Sponsorships▶ 40 countries / 150 currencies▶ Full Acquiring Member▶ Single connection & report▶ Fast Boarding Process▶ Global Acquiring Relations▶ Visa / MasterCard▶ OmniPay▶ EMC▶ DNB▶ ‘Research’ PartnersCORE ACTIVITIES▶ Product Development▶ Sales & Marketing▶ Services & Consultancy▶ 24/7 Customer Support▶ SandboxingCOSTS▶ Variable costs: fixed per item orpercentage of Value▶ Fixed costs: Labour; ICT &Operations; Marketing; Offices▶ CNP / CP Processing▶ Domestic Global Acquiring▶ Underwriting▶ Fraud/Risk Monitoring▶ Interchance Optimization▶ Multi currency processingCORE COMPETENCESPARTNERS TO RELY ONDISTRIBUTION CHANNEL▶ EU – Indirect via PSP▶ US – Indirect via PSP▶ APAC – Direct and Indirect▶ ‘Outbound and Inbound marketing’▶ Extranet portalCUSTOMER SEGMENTS / TARGET▶ Domestic Midsize Banks▶ Financial Institutions▶ PSP’s / ISO’s / MSP’s▶ Industry Groups & TradeAssociations▶ ‘Analysts and Media’▶ Personal▶ Service support 24/7▶ Implementation▶ Educational▶ Trusted Advisor▶ Premier Partner ProgramREVENUE▶ Signup costs▶ Monthly fees▶ Transactional fees▶ Commission / Merchant Service Fees▶ Chargeback fees▶ FX conversionCUSTOMER RELATIONSHIP| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012▶ Payment acceptance▶ Fraud detection andprevention▶ Merchant reporting▶ Merchant underwriting▶ Route transaction data▶ Requesting authorisationfrom the scheme▶ Assisting acquiring banks inthe ‘handling’ of the networkassociations, avoidingpenalties, etc.▶ Assume merchantchargeback risk▶ Card scheme compliance▶ ServicesofferedVALUE CHAINOne Full Service Payment Platform for all your global transactions.Scalable up to 22+ billion transactions, which is 42.000 per minute.OnlineMerchantPSP Credit/DebitAcquiringprocessorAcquiringBank (BIN)CustomerIssuing Bank| | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012▶ Payment acceptance▶ Fraud detection andprevention▶ Merchant reporting▶ Merchant underwriting▶ Route transaction data▶ Requesting authorisationfrom the scheme▶ Assisting acquiring banks inthe ‘handling’ of the networkassociations, avoidingpenalties, etc.▶ Assume merchantchargeback risk▶ Card scheme compliance▶ Servicesoffered▶ paypal▶ Adyen▶ Cybersource▶ Datacash/MasterCard▶ GlobalCollect▶ Netgiro▶ Ogone▶ Realex▶ WorldPay▶ paypal▶ Cybersource▶ Datacash▶ FirstData▶ Worldpay/Streamline▶ paypal▶ Chase Paymentech▶ RBS▶ Standard Chartered Bank▶ Wirecard▶ MarketplayersVALUE CHAINOne Full Service Payment Platform for all your global transactions.Scalable up to 22+ billion transactions, which is 42.000 per minute.OnlineMerchantPSP Credit/DebitAcquiringprocessorAcquiringBank (BIN)CustomerIssuing Bank| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012FULL SERVICE MODELThree Service Layers▶ PSP functionality▶ Multi-currency (150+)▶ Risk Management▶ Fraud scrubbing▶ Dynamic Currency Conversion▶ 3D-Security / CVV2 / CVC2▶ Recurring Payment facility▶ Card-checks▶ Blacklisting▶ URL-/Device- and Geo-location checks1. CARDHOLDER INTERACTIONAND SCREENING▶ Domestic Banks in various regions▶ Multi-currency processing▶ Multi-currency settlement▶ Global local presence (North America,Europe, Asia)▶ Multi-Bank platform managed incorporation with OmniPay▶ One clearing process for all of your globalbusiness▶ Interchange optimization2. CARD PROCESSING▶ One overview of your complete portfoliowith various Banks▶ Interchange Management▶ Reconciliation▶ General Ledger feeds▶ Graphic reports▶ Charge Back handling▶ Interactive Charge Back handlingpossibilities3. REPORTING ANDFINANCIAL MANAGEMENTPYRAMID| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012INSTITUTION HIERARCHY 2012The hierarchy and transaction flows of the institution replicates the structure ofthe below diagram.EUBANKPSPMERCHANTAPACBANKPSPMERCHANTAPAC BANKMACAUPSPMERCHANTCANADABANKPSPMERCHANTMERCHANTBANKPSPMERCHANTPAYVISION| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012INSTITUTION HIERARCHY 2012+The hierarchy and transaction flows of the institution replicates the structure ofthe below diagram.wePSPPSPMERCHANTEU BANK(2)PSPMERCHANTAPAC BANKISOMERCHANT2NDAPAC BANKPSPMERCHANTAUSTRALIABANKISOMERCHANTCANADABANKBRAZILCHINAUNION PAYPSPMERCHANTUS BANKAMERICANEXPRESSJCBISO PSPMERCHANT MERCHANT| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012INSTITUTION GLOBAL ALLIANCE HIERARCHYOne Full Service Payment Platform for all your Transactions.Global Domestic Acquiring with the same quality in each region!US BANKAPACBANKCANADIANBANKUS BANKEUROPEANBANKEUROPEANBANKAPACBANKEU BANKCANADIANBANKUS BANKAPACBANKINSTITUTIONEUROPEAN BANK APAC BANK REGIONAL BANK US BANKCANADIANBANK| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012CONNECT AND GROWbrings 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 ACQUIRINGBANKS| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012MOBILE PAYMENTSNetswipe™ - without the need to purchase and install additional hardware, you canaccept credit card payments today. Improves experience and better risk management.▶ Online Card Present▶ Easy and convenient▶ Secure▶ Jumio brings the benefitsfrom face-to-face-payments to e-commerce.▶ Jumio’s patented technology turns thecamera of the computer or mobile intoa card reader. The most secure form ofonline payment possible▶ More privacy▶ No false positive rejections▶ No manual population of fieldsWHY SHOULD YOU BE INTERESTED▶ OCR engine: we acquire payment data using optical character recognition toidentify two dimensional and embossed characters on the face of the card usinga devices camera▶ Card Security Code (CVC, CVV, CVC2, etc.): we require consumers to confirm theircredit card by entering their CVC. To prevent key logging, we can implement anonscreen keypad to enter in data with a mouse▶ Live Video Stream Capture: we do not take pictures of credit cards or IDs; instead,we send a direct video link from the consumers device to our servers to analyze thecard on the fly▶ Data encryption: once we acquire payment data, we use standard SSL ontransmission for secure encryption. We then submit encrypted data for bankprocessing▶ Server Security: all data is located in a secure environment, protected by analarm installation, and is monitored 7 days a week, 24 hours per day. All data isprotected 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 fraudchecks▶ PCI/DSS: 100% compliantHOW IT WORKS| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012UNDERWRITING AND RISK MANAGEMENTOur holistic approach to Risk has resulted in one internationallyapproved Risk and Underwriting Protocol.Only 0,0001% of all Annual Online Transactionsend up in a financial loss.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012EXPERTISEWhere do our Executives come from...| Company | Business Model | Solutions | Market | Management | Financials |paypal
  • General Overview 2012GLOBAL TRANSACTION VOLUME CAGR 14%1Source: Goldman Sachs Forecast June 2010 2Source: FedEx market report taken from inbound logistics market trend report June2011 3Source: RBS and Capgemini World Payments Report 2011 4Source: Data combined from several sources including ForresterResearch, Javelin Payments Forecast 2011-2016, RBS and Capgemini World Payments Report 2011.▶ Estimation ▶ E-payments market forecasts are very diverse but they allestimates show steady growth in the next five years▶ Growth ▶ While online payments are expected to grow approx. 14%year-o-year, the growth champion is China withestimated growth of 30% in the next 5 years0200400600800100012001400160018002009 2010 2011 2012 2013 2014GoldmanSachsFedExRBSAggregatedmarketdataCAGR 14%Global E-payments transaction volume2009-14 (in $billion)-200.00400.00600.00800.001,000.001,200.002010 2011 2012 2013 2014Europe NorthAmerica APAC Restof the worldE-payments transaction volume per region2010-14 (in $billion)Estimated CAGR e-payments transactionvolume, 2010-14 (in %)21%20%11%10%EuropeNorthAmericaAPACRestof the world| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012THE PROFITABILITY OF THE ACQUIRING MARKETIS INVERSELY RELATED TO THE SIZE OF THEMERCHANTVolume MerchantsTotal sales of all merchantsRevenue captured by acquirer▶ > $ 1bln (Top150)▶ Million - $1bln▶ 100,000 -$1Million▶ <100,000Source: The Merchant-Acquiring Side of the Payment Card Industry: Structure,Operations, and Challenges, FDR of Philadelphia, October 2007▶ Value chain ▶ 90% of merchants process less than $100,000 per year. Whilst this category only generates 10% of totalmerchant sales, it represents in the order of 45% of the total revenues captured by the acquiring side of the valuechain.| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 20122010: $572BLN E-COMMERCE SALES WORLDWIDEGrowing to almost $1.4 trillion by 2015 (Source: JP Morgan 2011)Growth2010 – 2011 in %Value 2011Card Holders DestinationGlobal Value 2010Online Retail Sales| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012CROSS-BORDER E-COMMERCE VOLUME$300 BILLION GLOBALLY12 countries claim 80% of the world’scross-border power shoppers. Wheredo they live… (Source: FiftyOne 2011)Our’s transaction processing value over $3 billion in 2011, which is1% of total cross-border e-commerce volume. Our volume andgrowth in these 12 countries that claim 80% of the world’s cross-border power shoppers.Growing twice as fast as IS-retailing. (Source: Euromonitor 2011)| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012EMERGING MARKETS AND E-COMMERCEThe 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 %)2010 versus 2011Growth (in %)2010 versus 2011South KoreaBrazilMexicoAustraliaNew ZealandJapanSingaporeCanadaPhilippinesHong KongSouth KoreaBrazilMexicoAustraliaNew ZealandJapanSingaporeCanadaPhilippinesHong Kong| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012SOLID PARTNERSHIPSThe best breed of Partners with a Vision that leads to Profitability.CONNECT AND GROW| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012MARKET INSIGHT - USUS e-retailers miss out on selling to global shoppers given that 90% of theworld’s consumers live outside the US!US, with only 14% of their transactions e payment servicecoming from international consumers. The countries with the mostinternational e-commerce sales are Hong Kong (96%), mainlandChina (90%), Japan (71%) and Canada (55%).(Source: PayPal study of global e-commerce)70% of shoppers online used major credit cards.14% of transactions U.S. e-retailers process with PayPal for internationalcustomers, 48% come from customers in English-speaking countries suchas the United Kingdom, Canada and Australia, with the rest fromconsumers in Europe, and the Asia-Pacific region.When it comes to shopping across borders, international onlineshoppers in 6 emerging e-commerce markets in Asia-Pacificprefer to buy USA. (Source: Nielsen / VISA)USA| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012MARKET INSIGHT - CHINA35% of all consumer e-commerce spending in the Asia Pacific are overseasonline purchases. APAC prefers to buy USA with one exception:mainland China online shoppers preferred Hong Kong shoppingsites.December 29, 2011 - If we were to lay all 8 billion issued credit cards sideby side, we get an area of 37 km2 The three largest credit card companiesare Visa (28.6%), China Union Pay (29.2%) and MasterCard (20%).China Union Pay has issued twice as many creditcards as the combined population of the U.S. andEurope (2.3 billion). Altogether, a total of 16.8 billiontransactions have been recorded. A total $12,680,280,000,000 dollars hasbeen spent on credit cards, which would correspond to $1818 per citizenof the earth. (Source Paylane)2012 will see the rise of the local global e-marketplace. Brazil is leadingthe global e-shopping charge with 81% of consumers keen to shopin 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%) andChina (35%). Highest spender (average value) on cross border e-commerce Singapore (US$1,892), Japan (US$1,827), India(US$887).CHINA| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012MARKET INSIGHT - MIDDLE EASTUAE accounts for 60% of GCC e-Commerce spend. GCC region looks set toemerge as the new economic power by 2020. (Source: 22 Nov 2011 – Khaleej Times)B2C e-Commerce sales in the UAE are estimated to havegrown to almost $2 billion in 2010, which equates to approximately55-60% of total GCC e-Commerce sales that are estimatedto be between $3 and $3.5 billion, and expected to reach $5 billionby the end of 2011.B2CE-COMMERCEPURCHASETRANSACTIONSWith internet usage in the region growing by a staggering 1500%since the year 2000, from a mere 1.2 million in 2000 to 18.7million in 2010, e-Commerce gaining increased momentum.Currently, the Middle East region hosts 63 million internet users andinternet penetration in the region is one of highestin the world| Company | Business Model | Solutions | Market | Management | Financials |MIDDLE EAST
  • General Overview 2012EUROPEMARKET INSIGHT - EUROPEAN UNIONBy 2015, 50% of all consumers should be buying online and20% 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 volumeby 2015. The European Commission has unveiled a plan toencourage EU consumers to make their purchases via the internet,thus hoping to lift the share of e-commerce in retail sales from 3.4% to6.8% by 2015. EU retailers that sell online (~50% of all retailers) only21% took orders from consumers from other countries. (Source:Internet Retailer)In 2011, 58% of internet users aged 16-74 in the EU27 had orderedgoods or services over the internet. The highest shares were observedin the UK (82%), Denmark and Germany (both 77%), and Sweden(75%). (Source: December 2011, Eurostat)| Company | Business Model | Solutions | Market | Management | Financials |
  • General Overview 2012AUSTRALIAMARKET INSIGHT - AUSTRALIAIn 2010, 40% of online expenditure in Australia is to overseas sites. (Source: 2011 - Frost & Sullivan)The retail sector in Australia has a turnover of $243billion ($255bln USD) per annum. The biggest segment of thatis 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 retailspending accounts for around 3% of Australia’s total retail sales.This compares to over 5% in both the US and UK. 40% of onlineexpenditure in Australia is to overseas sites. (Source: Frost & Sullivan)PayPal estimates that the e-commerce hasincreased from $24 billion in 2009 to $27 billionin 2010 and predicts further growth of a little over 10% a yearover the next few years.| Company | Business Model | Solutions | Market | Management | Financials |