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©EESTEL20/11/2013
1
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 1
EESTEL : 5 keys to succeed in Digital Wallets
November, 20th, 2013
©EESTEL20/11/2013
2
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 2
Agenda
• EESTEL Introduction
Eric Nizard, President, EESTEL
• Market trends for mobile payment: remote versus proximity
payments
François Lecomte-Vagniez, Partner, LOBARY – EESTEL expert
• Mobile Wallet to be simple and trusted
Pierre Francon, Partner, Quaelys – EESTEL expert
• International standards emerging
Benoit Delestre, CEO, SCCP Europe – EESTEL expert
©EESTEL20/11/2013
3
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 3
EESTEL : 5 keys to succeed in Digital Wallets
Association of
European Experts in E-Transactions Systems
Expertise & Services
Eric Nizard
President
November, 20th, 2013
©EESTEL20/11/2013
4
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 4
The Fundaments
•Smart Cards
•Terminals
•Mobiles
•Networks
•Acquisition, withdrawal, issuing, authorization
•Security of transactions and systems
•Dematerialization
Specialists of E-Transactions Systems
•Services Architecture and Functional approach
•Technologies et technical Architectures
•Projects Management – Testing – Approval – Certification
•Training session (with the « EESTEL » Catalogue)
Complementary Jobs and multiples Skills
•No financial dependency
•Global Approach
•Ethics
Professionnals
©EESTEL20/11/2013
5
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 5
Markets, Numbers & References
Issuers
E-Payment
Transport Operators, Ticketing
Telcos,
Retail, Loyalty, Gifts
Administrations and Territorial
Governments,
Healthcare
IT / CIOs
Smart Card and Mobile Ecosystem
48 Members
References
©EESTEL20/11/2013
6
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 6
Services to members
Monthly Meetings in Paris
Training Sessions / Technical & Market News
Conception and Organization of Conferences, Seminars, Symposiums
Common Projects (R&D & Business)
• Payment– Merchant Services – E-Ticketing
• Identity – Healthcare – E-Administration
• Mobile
• Security
4 working Groups
• EESTEL Brochure, Cards and Badges EESTEL
• www.eestel.com
• Expertise Cartography
• A unified Communication at Cartes 2013
Common and personal Enhancement of the Members
• Training sessions via a common Training Catalogue
• Services : a Catalogue of common Services, common customized Business Offers
A unique Offer
The ESTE Expertise Label (Expert in E-Transactions Systems)
©EESTEL20/11/2013
7
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 7
EESTEL Members on November 14th 2013
Active Members: SMEs (28)
• 2icones
• 4GSecure
• AO Concept
• BacTech
• Decode Consulting
• DP Consulting
• Ecosix
• Ekosys
• Flash iZ
• Idaho Consulting
• Ingélis
• Ionosys
• Istium
• LIC (L’INFORMATIQUE COMMUNICANTE)
• LOBARY
• Mercury Technologies
• Netheos
• NFCTech
• Open Pass
• Pemance
• Pôle Consulting
• Pradeo
• Quaelys
• Realex Payments
• Smart Consulting
• Smile’nPay
• Sofie
• Z#bre
Active Members: Independent Experts(11)
• Blaise Imbert
• François Brion
• Philippe Coiffard
• Claude Meggle
• David Naccache
• Jean-Claude Pailles
• Alain Potier
• Xavier Joffrin
• Philippe Coulot (Oxatis)
• Jean-Luc Pellegrinelli (JLPI)
• Maître Pierre Storrer
Associated Members (7)
• APECA
• CONCERT International
• FNTC
• Pôle Finance Innovation
• Pôle TES
• BULL sa
• MONEXT
Users College (2)
• Banque Palatine
• Sodexo
©EESTEL20/11/2013
8
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 8
•Eric Nizard
President
•Benoît Delestre / Olivier Détour
Treasurer / Trésorier adjoint
•Robert Fargier
Secretary
•Pierre Crego (Training and E-Transactions Jobs)
•Bernard Morvant (Business Development)
•Eric Laurent-Ricard (relations with Institutions)
•Cyril Deflesselles (web site and communication)
•Didier Hallépée (ESTE Label)
Activity Leaders
•4, rue Alfred Kastler - 14000 Caen - France
•Email : info@eestel.com
•Tél. +33 (0)1 46 62 91 00
•Fax +33 (0)1 46 62 63 26
•www.eestel.com
Contacts
Bureau 2013
©EESTEL20/11/2013
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 9
Key #1 :
Value of Experience
©EESTEL20/11/2013
10
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 10
EESTEL : 5 keys to succeed in Digital Wallets
Market trends for mobile payment:
remote versus proximity payments
François Lecomte-Vagniez
Partner, LOBARY
A member of EESTEL
+33 681 494 944
flecomte@lobary.com
November, 20th, 2013
©EESTEL20/11/2013
11
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 11
Mobile centric customer’s relations
Deliver
the promise
Leverage
social impacts
Catch the
winning instant
Get attention
©EESTEL20/11/2013
12
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 12
ProximityDigital
Remote Mobile
or Hyper Local relations ?
©EESTEL20/11/2013
13
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 13
© Gabs – Clients, y’en a marre
Big data marketing challenges
« Come on! I’m the customer : guess what I want, and quick! I’m in a hurry !!!
©EESTEL20/11/2013
14
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 14
Payment and consumption
desynchronized
• Paying first, consuming later
– Prepaid purchases (vouchers), gift card, …
• Consuming and paying at the same time
– On the web :
Remote Payment.
– In shop :
Proximity payment « card present » : EMV or private
Prepaid payment services
– In shop and on the web
Convert loyalty points to cash.
Coupons, discount, deals, etc.
• Consuming now, paying later
– Credit payment
Pre-autorized revolving credit.
Simplified KYC (Know Your Customer)
©EESTEL20/11/2013
15
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 15
Customer’s mobile payment balance
Convenience Security
Scoring
Cost
©EESTEL20/11/2013
16
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 16
EMV
Scheme Online/Offline
transaction
Online
transaction
Online
platform
Mobile payment : in-shop convergences
AcquiringIssuing
WALLETS m-POS
©EESTEL20/11/2013
17
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 17
Mobile Payment… What else ?
Mobile interactions
change (almost) everything in a commercial relation
©EESTEL20/11/2013
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 18
Key #2 :
Seamless customer journey
online/offline
©EESTEL20/11/2013
19
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 19
EESTEL : 5 keys to succeed in Digital Wallets
Mobile Wallet to be Simple and Trusted
November, 20th, 2013
Pierre Françon
Partner, QUAELYS
A member of EESTEL
Pierre.francon@quaelys.com
©EESTEL20/11/2013
20
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 20
MW attributes
• Confusion
=> Types of e-wallets
• Open to the world
=> In and Out
• Enriched
=> Not only payment
• Be good on all aspects
=> The major challenge
20
©EESTEL20/11/2013
21
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 21
Types of e-wallets - what
• Payment method vs. payment solution
• Solution = secured container of payment methods
• Card / Direct debit / Credit transfer / e-money
• Method = “scheme”
• e-money = private 3 corners scheme
=> e-money based e-wallet means payment method
21
©EESTEL20/11/2013
22
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 22
Types of e-wallets – what for
• Usages
• P2P
• P2P when mobile
• Online
• Online in mobility
• Face to face
• Contactless face to face with a mobile
22
©EESTEL20/11/2013
23
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 23
Types of e-wallets - how
• Mobile vs. cloud based vs. local
• Mobile
• App
• Embedded secure element (SIM / SD card …)
• Online (cloud based in fact)
• Could based = hosted somewhere
• Could be accessed thru mobile (in-app or not)
• Local = software-based
• Not so secured!
23
©EESTEL20/11/2013
24
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 24
Openness - IN
• Need to feed the payment method
• Prepaid
• Card
• SDD
• SCT (integrated into home banking)
• Gateway
• Postpaid
• SDD
• Card
24
©EESTEL20/11/2013
25
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 25
Openness - OUT
• Need to pay in real world
• Communication
• NFC
• QR code
• General virtual card into mobile
• Visa
• MasterCard
• Gateway
25
©EESTEL20/11/2013
26
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 26
Full success
[ No need to pay as before thru a new system! ]
• Consumer
• Optimized customer journey
• Better control
• Loyalty
• New usages
• Lower fees
• Higher trust/confidence & security
• Merchant
• Integration into ordering
• Lower fees
• Higher guaranties
26
©EESTEL20/11/2013
27
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 27
Enriched
• Be good on all aspects
• Issuing
• Activation
• Merchant acceptance
• Merchant promotion
+ Processing + security + fraud management …
• No need to be perfect on 1 and bad on another
Do math : Success = multiply % [Thought]
27
©EESTEL20/11/2013
28
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 28
4 Key keys
Targeted
Openness
Not just payment
Good on all
28
©EESTEL20/11/2013
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 29
Key #3 :
Simplicity of use
with rich contents
©EESTEL20/11/2013
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 30
Key #4 :
Trust
©EESTEL20/11/2013
31
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 31
EESTEL : 5 keys to succeed in Digital Wallets
Market trends for mobile payment:
remote versus proximity payments
Benoit Delestre
CEO, SCCP Europe
A member of EESTEL
+33 1 43 47 35 27
benoit.delestre@sccpgroup.com
November, 20th, 2013
©EESTEL20/11/2013
32
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 32
What we do
A white label operator
empowering
community
What the market needs
B2B players providing
full white label and
end-to-endsolutions
(customized, flexible, scalable,
secure, local)
Our added value
Turn-keysolution used for
customer relationship,
payment, big data
©EESTEL20/11/2013
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 33
Key #5 :
Open ecosystems and standards
©EESTEL20/11/2013
34
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 34
Conclusion
EESTEL : 5 keys to succeed in Digital Wallets
November, 20th, 2013
©EESTEL20/11/2013
35
Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 35
Conclusion
EESTEL : 5 keys to succeed in Digital Wallets :
1. Value of Expertise
2. Seamless Customer Journey online/offline
3. Simplicity of use, with riche contents
4. Trust
5. Open ecosystems and standards

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Eestel atelier cartes 2013 - 2013-11-20

  • 1. ©EESTEL20/11/2013 1 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 1 EESTEL : 5 keys to succeed in Digital Wallets November, 20th, 2013
  • 2. ©EESTEL20/11/2013 2 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 2 Agenda • EESTEL Introduction Eric Nizard, President, EESTEL • Market trends for mobile payment: remote versus proximity payments François Lecomte-Vagniez, Partner, LOBARY – EESTEL expert • Mobile Wallet to be simple and trusted Pierre Francon, Partner, Quaelys – EESTEL expert • International standards emerging Benoit Delestre, CEO, SCCP Europe – EESTEL expert
  • 3. ©EESTEL20/11/2013 3 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 3 EESTEL : 5 keys to succeed in Digital Wallets Association of European Experts in E-Transactions Systems Expertise & Services Eric Nizard President November, 20th, 2013
  • 4. ©EESTEL20/11/2013 4 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 4 The Fundaments •Smart Cards •Terminals •Mobiles •Networks •Acquisition, withdrawal, issuing, authorization •Security of transactions and systems •Dematerialization Specialists of E-Transactions Systems •Services Architecture and Functional approach •Technologies et technical Architectures •Projects Management – Testing – Approval – Certification •Training session (with the « EESTEL » Catalogue) Complementary Jobs and multiples Skills •No financial dependency •Global Approach •Ethics Professionnals
  • 5. ©EESTEL20/11/2013 5 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 5 Markets, Numbers & References Issuers E-Payment Transport Operators, Ticketing Telcos, Retail, Loyalty, Gifts Administrations and Territorial Governments, Healthcare IT / CIOs Smart Card and Mobile Ecosystem 48 Members References
  • 6. ©EESTEL20/11/2013 6 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 6 Services to members Monthly Meetings in Paris Training Sessions / Technical & Market News Conception and Organization of Conferences, Seminars, Symposiums Common Projects (R&D & Business) • Payment– Merchant Services – E-Ticketing • Identity – Healthcare – E-Administration • Mobile • Security 4 working Groups • EESTEL Brochure, Cards and Badges EESTEL • www.eestel.com • Expertise Cartography • A unified Communication at Cartes 2013 Common and personal Enhancement of the Members • Training sessions via a common Training Catalogue • Services : a Catalogue of common Services, common customized Business Offers A unique Offer The ESTE Expertise Label (Expert in E-Transactions Systems)
  • 7. ©EESTEL20/11/2013 7 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 7 EESTEL Members on November 14th 2013 Active Members: SMEs (28) • 2icones • 4GSecure • AO Concept • BacTech • Decode Consulting • DP Consulting • Ecosix • Ekosys • Flash iZ • Idaho Consulting • Ingélis • Ionosys • Istium • LIC (L’INFORMATIQUE COMMUNICANTE) • LOBARY • Mercury Technologies • Netheos • NFCTech • Open Pass • Pemance • Pôle Consulting • Pradeo • Quaelys • Realex Payments • Smart Consulting • Smile’nPay • Sofie • Z#bre Active Members: Independent Experts(11) • Blaise Imbert • François Brion • Philippe Coiffard • Claude Meggle • David Naccache • Jean-Claude Pailles • Alain Potier • Xavier Joffrin • Philippe Coulot (Oxatis) • Jean-Luc Pellegrinelli (JLPI) • Maître Pierre Storrer Associated Members (7) • APECA • CONCERT International • FNTC • Pôle Finance Innovation • Pôle TES • BULL sa • MONEXT Users College (2) • Banque Palatine • Sodexo
  • 8. ©EESTEL20/11/2013 8 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 8 •Eric Nizard President •Benoît Delestre / Olivier Détour Treasurer / Trésorier adjoint •Robert Fargier Secretary •Pierre Crego (Training and E-Transactions Jobs) •Bernard Morvant (Business Development) •Eric Laurent-Ricard (relations with Institutions) •Cyril Deflesselles (web site and communication) •Didier Hallépée (ESTE Label) Activity Leaders •4, rue Alfred Kastler - 14000 Caen - France •Email : info@eestel.com •Tél. +33 (0)1 46 62 91 00 •Fax +33 (0)1 46 62 63 26 •www.eestel.com Contacts Bureau 2013
  • 9. ©EESTEL20/11/2013 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 9 Key #1 : Value of Experience
  • 10. ©EESTEL20/11/2013 10 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 10 EESTEL : 5 keys to succeed in Digital Wallets Market trends for mobile payment: remote versus proximity payments François Lecomte-Vagniez Partner, LOBARY A member of EESTEL +33 681 494 944 flecomte@lobary.com November, 20th, 2013
  • 11. ©EESTEL20/11/2013 11 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 11 Mobile centric customer’s relations Deliver the promise Leverage social impacts Catch the winning instant Get attention
  • 12. ©EESTEL20/11/2013 12 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 12 ProximityDigital Remote Mobile or Hyper Local relations ?
  • 13. ©EESTEL20/11/2013 13 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 13 © Gabs – Clients, y’en a marre Big data marketing challenges « Come on! I’m the customer : guess what I want, and quick! I’m in a hurry !!!
  • 14. ©EESTEL20/11/2013 14 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 14 Payment and consumption desynchronized • Paying first, consuming later – Prepaid purchases (vouchers), gift card, … • Consuming and paying at the same time – On the web : Remote Payment. – In shop : Proximity payment « card present » : EMV or private Prepaid payment services – In shop and on the web Convert loyalty points to cash. Coupons, discount, deals, etc. • Consuming now, paying later – Credit payment Pre-autorized revolving credit. Simplified KYC (Know Your Customer)
  • 15. ©EESTEL20/11/2013 15 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 15 Customer’s mobile payment balance Convenience Security Scoring Cost
  • 16. ©EESTEL20/11/2013 16 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 16 EMV Scheme Online/Offline transaction Online transaction Online platform Mobile payment : in-shop convergences AcquiringIssuing WALLETS m-POS
  • 17. ©EESTEL20/11/2013 17 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 17 Mobile Payment… What else ? Mobile interactions change (almost) everything in a commercial relation
  • 18. ©EESTEL20/11/2013 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 18 Key #2 : Seamless customer journey online/offline
  • 19. ©EESTEL20/11/2013 19 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 19 EESTEL : 5 keys to succeed in Digital Wallets Mobile Wallet to be Simple and Trusted November, 20th, 2013 Pierre Françon Partner, QUAELYS A member of EESTEL Pierre.francon@quaelys.com
  • 20. ©EESTEL20/11/2013 20 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 20 MW attributes • Confusion => Types of e-wallets • Open to the world => In and Out • Enriched => Not only payment • Be good on all aspects => The major challenge 20
  • 21. ©EESTEL20/11/2013 21 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 21 Types of e-wallets - what • Payment method vs. payment solution • Solution = secured container of payment methods • Card / Direct debit / Credit transfer / e-money • Method = “scheme” • e-money = private 3 corners scheme => e-money based e-wallet means payment method 21
  • 22. ©EESTEL20/11/2013 22 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 22 Types of e-wallets – what for • Usages • P2P • P2P when mobile • Online • Online in mobility • Face to face • Contactless face to face with a mobile 22
  • 23. ©EESTEL20/11/2013 23 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 23 Types of e-wallets - how • Mobile vs. cloud based vs. local • Mobile • App • Embedded secure element (SIM / SD card …) • Online (cloud based in fact) • Could based = hosted somewhere • Could be accessed thru mobile (in-app or not) • Local = software-based • Not so secured! 23
  • 24. ©EESTEL20/11/2013 24 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 24 Openness - IN • Need to feed the payment method • Prepaid • Card • SDD • SCT (integrated into home banking) • Gateway • Postpaid • SDD • Card 24
  • 25. ©EESTEL20/11/2013 25 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 25 Openness - OUT • Need to pay in real world • Communication • NFC • QR code • General virtual card into mobile • Visa • MasterCard • Gateway 25
  • 26. ©EESTEL20/11/2013 26 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 26 Full success [ No need to pay as before thru a new system! ] • Consumer • Optimized customer journey • Better control • Loyalty • New usages • Lower fees • Higher trust/confidence & security • Merchant • Integration into ordering • Lower fees • Higher guaranties 26
  • 27. ©EESTEL20/11/2013 27 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 27 Enriched • Be good on all aspects • Issuing • Activation • Merchant acceptance • Merchant promotion + Processing + security + fraud management … • No need to be perfect on 1 and bad on another Do math : Success = multiply % [Thought] 27
  • 28. ©EESTEL20/11/2013 28 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 28 4 Key keys Targeted Openness Not just payment Good on all 28
  • 29. ©EESTEL20/11/2013 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 29 Key #3 : Simplicity of use with rich contents
  • 30. ©EESTEL20/11/2013 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 30 Key #4 : Trust
  • 31. ©EESTEL20/11/2013 31 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 31 EESTEL : 5 keys to succeed in Digital Wallets Market trends for mobile payment: remote versus proximity payments Benoit Delestre CEO, SCCP Europe A member of EESTEL +33 1 43 47 35 27 benoit.delestre@sccpgroup.com November, 20th, 2013
  • 32. ©EESTEL20/11/2013 32 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 32 What we do A white label operator empowering community What the market needs B2B players providing full white label and end-to-endsolutions (customized, flexible, scalable, secure, local) Our added value Turn-keysolution used for customer relationship, payment, big data
  • 33. ©EESTEL20/11/2013 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 33 Key #5 : Open ecosystems and standards
  • 34. ©EESTEL20/11/2013 34 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 34 Conclusion EESTEL : 5 keys to succeed in Digital Wallets November, 20th, 2013
  • 35. ©EESTEL20/11/2013 35 Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – info@eestel.com 35 Conclusion EESTEL : 5 keys to succeed in Digital Wallets : 1. Value of Expertise 2. Seamless Customer Journey online/offline 3. Simplicity of use, with riche contents 4. Trust 5. Open ecosystems and standards