The document discusses the changing payments landscape and the battle for leadership in digital payments between new challengers. It notes there are two main battles underway - for control of the checkout process and for digital wallets. It then provides six recommendations for winning in this new environment: commercialize and innovate with existing partners; collaborate across industries; make shopping easy both in stores and online; be relevant and personalize offers; and effectively communicate your value.

1. Who will win the battle of tomorrow’s payments?
Ingjerd Blekeli Spiten
Executive vice president eBusiness

3. Cash did not go under with checkbooks or cards
–now what?

4. The position as the world champion of cards and effective payments is being challenged…
… for how long?
0
50
100
150
200
250
300
350
400
Poland
Germany
Singapore
Ireland
Switzerland
Belgium
The Netherlands
United Kingdom
Sweden
Finland
Denmark
Canada
USA
Norway
Iceland
Card transactions per capita
Payments and cash withdrawals 2012
Source: Norges bank, ESB, BIS, Sediabanks Islands

5. The payment landscape is changing - new challengers are here

6. The payment landscape is changing - new challengers are here

7. Two main battles - Checkout and the digital wallet
”War of the Digital Wallets”
”War of the Check Out screen”
Sentral lagring av betalingsmidler
One-click kjøp

8. What does it take to be a winner?

9. #1 Commercialise and innovate with old alliances

10. #2 Collaborate across industry boundaries
…

11. Complicated checkout leads to
•abandoned shopping carts
•frustrated customers
•lower sales conversion
Kilde: DIBS e-commerce 2013
problem is even worse online mobile devices and tablets

12. # 3 Make it easy to shop – in store

14. # 4 Make it easy to shop - online
1
Press «Buy with Masterpass»
when checking out
Easy login to the DNB digital wallet
3
Confirm card and shipping adress
2

15. #5 Be relevant and personalise
15
27
30
Everyday
DNB Super
offer
Day before
Christmas eve
Expert Average revenue
DUMMY FIGURES

16. #6 Communication