How to do Online Payment: Keynote by David Mountain, Ogone (MD of Tunz.com) at the NOAH 2012 Conference in London, Old Billingsgate on the 7th of November 2012.

1. The
Future
of
Payments
David
Mountain,
Managing
Director
tunz.com
NOAH’12
-­‐
November
6,
2012
London

2. History
of
electronic
payments
1950:
Diner’s
1958:
Bank
1966/7:
1998:
paypal
2005/6:
club
issues
of
America
MasterCard
launches
the
iDEAL
is
the
first
issues
the
founded;
first
new
launched
in
‘plasLc’
a
first
credit
American
global
Holland;
NTT
cardboard
card,
later
to
express
payment
docomo
charge
card;
be
named
issues
first
system
in
30
(Japan)
and
in
Germany
Visa;
Amex
gold
card;
years
Belgacom
banks
issues
their
Barclays
(Belgium)
introduce
first
charge
opens
first
launch
first
giro
direct
card
ATM
in
UK
successful
debit
mobile
payment
schemes
in
Asia
and
Europe

3. European
payments
today
United
Germany
France
Holland
Spain
Belgium
Italy
Sweden
Kingdom
Credit
Cards
90%
38%
84%
35%
69%
55%
70%
39%
Direct
Debit
and
Debit
3%
Solo
34%
ELV
34%
4%
Carte
Bleue
7%
4%
12%
12%
Bancontact
-­‐
Cards
Bank
35%
35%
20%
52%
27%
4%
account
based
-­‐
Sofortüber-­‐
20%
weisung,
-­‐
52%
iDEAL
-­‐
27%
Bolle^no
Bancario
payments
giropay
e-­‐Wallet
and
6.5%
8%
4%
3%
4%
2%
3%
1%
PayPal
PayPal,
PayPal
PayPal
PayPal,
ukash
PayPal
prepaid
PayPal
paysafecard
COD,
Pay
&
Collect,
1%
-­‐
8%
3%
23%
4%
23%
25%
cheque

4. Payments
are
at
a
Lpping
point
Consumers
expect
to
buy
when
and
where
they
want
–
driven
by
A.
Consumers
ubiquity
of
smart
phones
and
tablets
Merchants
are
becoming
channel
agnosLc
and
encouraging
mulL-­‐
B.
Retailers
channel
behaviour
from
their
clients
C.
Micromerchants
Smaller
merchants
demanding
electronic
payments
in
the
offline
world
Technology
including
NFC,
locaLon
data
and
biometrics
are
enabling
D.
Technology
payment
specialists
to
add
more
value
E.
Security
Market
standards
(3D,
PCI)
are
achieving
desired
security
goals,
but
the
market
is
adapLng
them
to
be
more
usable

5. Future
of
payments
The
near
future
is
becoming
clear,
with
implicaLons
for
all
players
• Soon,
virtually
all
payments
will
be
‘online’,
which
is
to
say
they
will
be
routed
using
the
Internet
-­‐
Mobile
=
real
world
=
Internet
• This
allows
retailers
to
transform
how
they
sell
-­‐
Using
locaLon
data
to
do
circumstance-­‐based
markeLng
and
payments
-­‐
Personalizing
products,
messages
and
payments
using
social
media
and
other
‘big
data’
-­‐
Selling
globally,
even
for
SMEs
• The
complexity
of
bringing
disparate
stakeholders
together
requires
incorporaLng
exisLng
building
blocks
like
bank
transfers
and
credit
cards
-­‐
The
winners
will
wrap
tradiLonal
tools
and
innovate
around
them
For
retailers,
this
means
partnering
with
specialist
online
payment
providers;
for
innovators
it
means
innovaCng
by
wrapping
around
exisCng
building
blocks

6. David
Mountain,
Managing
Director
tunz.com
dmo@ogone.com
www.ogone.com

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