Ομιλία – Παρουσίαση: Βάσος Αριστοδήμου, Πρόεδρος & Εκτελεστικός Διευθυντής, Όμιλος Εταιρειών ΝΕTinfo Τίτλος παρουσίασης: «The Future of Retail Payment»

1. Vassos Aristodemou
Chairman & CEO
NETinfo plc
The future of
retail payments
The Future is now!

2. Internet, mobile and social media
Global overview
70% of individuals in Greece accessed the internet dailySource: 2018 Digital yearbook
WORLD
GREECE
INTERNET
USERS
+7%
53%
+7%
70%
4.021
BILLION
7.81
MILLION
ACTIVE SOCIAL
MEDIA USERS
+13%
42%
+8%
51%
3.196
BILLION
5.70
MILLION
UNIQUE MOBILE
USERS
+4%
68%
+3%
81%
5.135
BILLION
9.04
MILLION
ACTIVE MOBILE SOCIAL
MEDIA USERS
+14%
39%
+9%
43%
2.958
BILLION
4.80
MILLION

3. Demographics are changing
Global overview
Behavior is changing
CALL ME
Generation X
14,5%
42-53
EMAIL ME
Millennials
28,4%
23-41
WRITE ME
Baby Boomers
14,4%
57-72
TEXT ME
Centennials
20,8%
10-22
49,2%10-41 y/o

4. Things we do with our Smartphone
Global overview
4
CHECK THE
WEATHER
TALK /
MESSAGE
READ THE
NEWS
ONLINE BANKING
GET DIRECTIONS
CHECK EMAILS
PAYMENTS
WAKE-UP
SLEEP NEXT TO IT
SOCIAL
MEDIA
LISTEN
MUSIC
WATCH VIDEOS
PLAY GAMES
TAKE PHOTOS
and more

5. Will payments evolve in the same way?
The music industry evolution
5
1979 2001 2006 2007 2009 2018
1979
Walkman tape player become
one of Sony's most successful
brands of all time.
2001
The 1st generation
iPod was released.
2009
Walkman players
became obsolete.
2007
The device was introduced
as an iPod with a wider
screen, controlled by touch
instead of physical buttons.
2018
Smartphone
evolution. We simply
listen to music.
2006
Apple’s ipod evolution.

6. Will payments evolve in the same way?
The payments evolution
6
1950 1960 2014 2020
1958
The 1st American Express
was introduced in 1958.
1950
The first universal credit card
was introduced by the Diners'
Club, Inc., in 1950.
1960
Evolution of cards
2014
Apple announced that customers
can start making payments with the
touch of a finger.
2018
Mobile wallet and
e-money
?

7. 1
2
3
4
CONSUMER
MERCHANT
ACQUIRER
CARD NETWORK ISSUING BANK
AuthorizationA
AuthenticationB
5
67
Clearing & SettlementC
9
10
11
8
12
13
14
Present day
Payment initiation process

8. Present day – The future is now
Payment initiation process
1
2
3
4
CONSUMER
MERCHANT
ACQUIRER
CARD NETWORK ISSUING BANK
AuthorizationA
AuthenticationB
5
6
Clearing & SettlementC
9
10
11
12
13
14
8 7
Payment RequestA
2
3
4
1
Payment AcceptanceB
Confirmation & SettlementB
5
PISP

9. 9
Clever product design - User experience
The future of retail payments
The customer
mentality is ‘always
on’ and ‘instant.’
Make the payments
experience fast, easy and
enjoyable
The mobile natives
are here
They live through their mobile
devices, and they’re a fast-
growing consumer segment.
Mobile is everything
Today, more than 70% of the
population owns a
smartphone.
o Real time and
personalized
payment services
o Make it easy, make it
work
o Fast, frictionless and
Convenient
o Mobile contactless
o Security and privacySecurity is paramount
Consumers have legitimate
concerns about the security of
their data.

10. Mobile Financial Services
A world without cash
Mobile payments made simple and secure

11. Mobile Financial Services (MFS)
What is MFS?
A
B
C
Consumer’s e-wallet
Merchant’s e-wallet
Agent’s e-wallet
MFS Transactions
The MFS system is a “closed
system”.
All transactions are between
wallets within the MFS
system.
Any transaction outside the
MFS system, is a banking
transaction.
MFS System
A
B
C
MFS Clients’
account
MFS Clients’
account

12. NETinfoPAY Mobile Financial Services
Mobile payments made simple and secure
Add money to the e-account:
- From a bank account or card
- Using cash
1
Select the default channel for
payments
(e-account, bank account or card)
2
Account aggregator
Connect and view multi-bank
account details
3
Pay for goods and services (P2B,
B2B)
- Over-the-counter (Contactless
payment)
- Pay-at-the-table
- e-Commerce
4
Send money (P2P)
Transfer money (e-account - Bank)5
Internet of Things
Ticketing, Parking, petrol stations,
etc.
6
Personal Financial Manager (PFM)
Business Reporting / Analytics7
Loyalty and rewards
8

13. Your wallet

14. P2P transfers

15. Contactless payments

16. Amazing features
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.

17. 17
Transaction history
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.

18. Contact list
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.

19. 19
loyalty
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.

20. Android & iOS

21. Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Over-the-counter payment
Mobile payments made simple and secure
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
The Merchant Generates the
invoice and request payment1
Merchant requests payment
from MFS2
Payment confirmation &
settlement6
3
The user reviews and accepts
the payment (No internet
connectivity needed)4
Payment acceptance
sent to MFS5
MFS System
Δεν είναι δυνατή η προβολή αυτής
της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής
της εικόνας αυτή τη στιγμή.

22. Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Over-the-web payment
Mobile payments made simple and secure
The user selects to pay using NETinfoPAY
app.1
After reviewing the payment details,
the user is requested to input the
mobile number and an OTP (One-Time-
Password)
2
Payment confirmation &
settlement5
4
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
The user using NETinfoPAY app,
generates the OTP to accept the
payment
3
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.

23. Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Parking payment
Mobile Financial Services (MFS)
Parking Payment app
Select location
Start parking
Parking information
Parking ended
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.

24. Loyalty system
Mobile Financial Services (MFS)
Loyalty system & rewards
for the Users
Each merchant can define its
own loyalty plan
Users can view the Loyalty
points accumulated per
Merchant
Select to use now or add for
later use
Review merchant’s offers and
accumulated points
Review and use awarded
coupons and valid offers
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Review offer’s details

25. More transactions, settings and reports
Mobile Financial Services (MFS)
View transactions
(transaction history and
status)
View merchant details and
location on map
View available service points
(merchants / agents)
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Δεν είναι δυνατή η προβολή αυτής της εικόνας αυτή τη στιγμή.
Pay for fuel

26. Good reasons to implement
Mobile Financial Services (MFS)
3
INNOVATIVE &
DIFFERENT
1
MOST SECURE
2
REDUCE USE
OF CASH
SAVE MONEY
Low initial investment;
Innovative;
Convenient, fast, easy to
use, and Secure;
Suitable for any market;
Suitable for any
Merchant;
Anti-Money Laundering/
Combating the Financing
of Terrorism;
Minimize fraud and
corruption;
Minimize the use of cash.
4

27. Thank you!
Vassos Aristodemou
Chairman & CEO
NETinfo plc
The Future is Now!
Mobile payments made simple and secure