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Finance 2018 - Jeroen Mulder - Het nieuwe gespreid betalen: disruptief en realtime scoring & activatie

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Jeroen Mulder - CreditClick @ Finance 2018

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Finance 2018 - Jeroen Mulder - Het nieuwe gespreid betalen: disruptief en realtime scoring & activatie

  1. 1. Instant Consumer Credit for eCommerce and Instore Jeroen Mulder Emerce Financials Amsterdam – November 29th 2018
  2. 2. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce and Instore Trends in the Dutch market Registered persons CKI +26% Registered loans +31% Active/open loans +43% +33,8% Growth Ideal trx 2017 vs 2016 Webshops accepting iDEAL >100.000 iDEAL trx per month >48.000.000 (Oct ‘18)
  3. 3. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce ecosystem s Trends in the Dutch market Available solutions “Pay with credit” during checkout hardly available in any eCommerce shops Scalable solutions Existing solutions are direct connections between Merchants and Credit Suppliers Realtime approval and usage However, the few existing solutions do not offer instant approval and usage of loans (e.g. usually 24 – 72 hours to approve or use)
  4. 4. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce and Instore The European payment landscape Many European payment methods are local to the country where they were developed and used. Fragmentation in the EU market requires connection to all specialized third parties (e.g. Payment Service Providers) per country Pan-European solution
  5. 5. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce and Instore So SEPA, right? Copy Inkef Capital PSP Credit Supplier Credit Supplier Credit Supplier Credit Supplier PSP PSP PSP Credit Suppliers are domestic focused. 26 EU countries equals 26 different Credit Suppliers. Payment Service Providers are EU focused. 40+ PSP’s active in the Netherlands, 100+ large PSP’s active in Europe. 26 EU countries x 100 PSP’s = 2.600 contracts Pan-European solution
  6. 6. Emerce Financials– November 29 th , 2018 A new eCommerce Payment Method To facilitate instant credit requests between consumers and credit suppliers during checkout / purchase Enabling consumers to receive buying power with a multipurpose credit Instantly accessible at the moment you need it Instant Consum er Credit for eCom m erce and Instore About CreditClick
  7. 7. Emerce Financials– November 29 th , 2018 Different needs PSPCredit Supplier MerchantConsumer Instant Consum er Credit for eCom m erce and Instore Buying power Access to eCom m erce channel New revenue Additional sales M ore m argin Recurring revenue Freedom to choose the m erchant
  8. 8. Emerce Financials– November 29 th , 2018 C o n s u m e r s R e c e iv e in s ta n t b u y in g p o w e r w ith m u ltip u rp o s e c re d it M e r c h a n ts G e t a d d itio n a l s a le s a t n o ris k a n d n o c o s t T h is is a u n iq u e p ro p o s itio n , a s o th e r p a y m e n t m e th o d s a re u s u a lly c o s tin g m o n e y to a c c e p t P a y m e n t S e r v ic e P r o v id e r s R e c e iv e re c u rrin g re v e n u e in s te a d o f o n e -o ff N e w re v e n u e fro m a to d a y n o t e x is tin g re v e n u e s tre a m C r e d it S u p p lie r s G e t c u s to m e rs a n d re c u rrin g re v e n u e fro m a n e w c h a n n e l th a t C re d it S u p p lie rs a re n o t a c tiv e in to d a y Differentiation in business models PSPCredit Supplier MerchantConsumer Instant Consum er Credit for eCom m erce and Instore
  9. 9. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce and Instore Differentiation in innovation Instant scoring, approval & available credit User friendly consumer identification 100% Digital onboarding Electronic signatures 5 min process
  10. 10. www.creditclick.eu Go to the cash register Choose on the terminal to pay with CreditClick Scan the generated QR code with your phone Your transaction is approved Instant Consum er Credit for eCom m erce and Instore Instore payment flow CreditClick works in every store using a POS terminal or ECR which can generate QR codes
  11. 11. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce and Instore Differentiation in Marketing Cobranded retargeting marketing material available for all merchants CreditClick Price Module is visible in the product catalogue; even before the consumer has decided to buy the product!
  12. 12. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce and Instore Differentiation in partner management Real time transparency and insight in the network Dashboard with data analytics and trends Realtime transaction monitoring Overview of PSP Commission
  13. 13. Emerce Financials– November 29 th , 2018 Instant Consum er Credit for eCom m erce and Instore Responsible lending Ability to repay is Priority 1 for us Customer service is key Transparent information at all times Direct approval or decline
  14. 14. Emerce Financials– November 29 th , 2018 Consumers Instant credit at moment you need it Freedom of choice of merchant Merchants Complete digital onboarding flow for new and existing customers 100% free for merchants to accept Guaranteed payments for PSPs and merchants Payment Service Providers New revenue stream for PSPs Simple and straightforward API integration (days, not months) Credit Suppliers New channel for credits & loans PAN-European payment brand acceptance Instant Consum er Credit for eCom m erce and Instore Summary of Benefits
  15. 15. Emerce Financials– November 29 th , 2018 Jeroen Mulder jeroen.mulder@creditclick.nl +31 653 60 58 41 Instant Consum er Credit for eCom m erce and Instore Questions? CreditClick Singel 250 1016 AB Amsterdam The Netherlands www.creditclick.nl

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