Viva Group is a payments company that has grown significantly since being founded in 2000. It provides innovative payment services and solutions to businesses through its licensed e-money institution status. The e-commerce market is growing substantially and Viva aims to empower this through offerings like its marketplace platform, checkout solutions, and proprietary smart money technology that can adapt to various business models and applications like marketplaces, escrow accounts, and loyalty schemes. Greek law now requires licensed providers like Viva for payments on behalf of third-parties through electronic or cash means.

1. Viva Group
presentation
November 2015
Empowering
Platform Payments
V. Zoupas | E-commerce | June 2017

2. An introduction: VivaWallet
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
Realize SA was founded on
June 2000 and is now called
Viva Wallet Holdings
Viva Services
(viva.gr) was
founded
Viva payments
was founded
Strategic partnerships
2016 2017

3. Viva Evolution - Employees
2000 201320092005
4x
25x
75x
100x
175x
andwearegrowing…
2017

4. Viva Payments
Viva Payments is a licensed e-money institution
for operations in the whole EEA-31 region by
ECB, through Bank of Greece.

5. Viva Wallet Account
+ App + Card
VIVA for Merchants
Viva payments offers a set of innovative payment services to businesses and
professionals, providing leading security, flexibility and continuous support.
POS / MPOSCheckout solutions
(e-shops)
Unique Payment
features
FOCUS ON NEW
E-COMMERCE SOLUTIONS

6. WHY SHOULD WE CARE?
E-commerce market is
steadily growing and will reach
15% of total retail sales in 2020.

7. THE E-COMMERCE EXPERIENCE
MARKETING
E-SHOP EXPERIENCE
PAYMENT EXPERIENCE
$
• Personalized
• Social
• Omni-channel
• Optimized
• Data-driven
• Intuitive
• Seamless
• Adaptive to various
business models

8. MARKETPLACES | Driving e-commerce growth
1. Connect Buyers & Sellers
2. Take care of transaction

9. MARKETPLACE MODELS
ONE-TO-MANY MANY-TO-MANY MANY-TO-ONE
- Common
Marketplace
(ebay.com)
- Subscription
platforms with
many merchants
- Crowdfunding
websites

10. VIVA MARKETPLACE (ONE-TO-MANY)
Platform
account
(escrow)
ACCEPT
Multiple payment
methods
HOLD FUNDS
Securely (PCI-DSS)
As long as needed
SPLIT
Payments and
platform fees
PAYOUT
To IBAN, cards or
e-wallets
100 €
Platform fees (10%)
10 €
50 €
40 €
Merchant A
Merchant B

11. CHECKOUT | User Experience
• Seamless checkout experience
• Quick and simple integration

12. HOW? SMART MONEY.
• Proprietary technology, based on unique e-money
codes with custom properties
• Flexible, adapts to many business models
• Example applications:
• Marketplaces
• Sharing economy
• Escrow accounts
• Vouchers for food & brands
• Loyalty schemes

13. WHY NOW? LAW 4446/2016 (Greece)
(active since Dec 2016)
Payments on behalf of third-parties, through
electronic means of payments or cash, can only be
performed by licensed Payment Service Providers.

14. Thank you!
vzoupas@vivawallet.com