SlideShare a Scribd company logo
3. May 2018
Rasmus Eskestad – Senior Business Manager, Nets
INSTANT PAYMENT REVIEW
FinTechShow - Budapest
Instant payments create new use cases – you never imagined
Nets’ in numbers
500,000
More than 500,000
terminals interact with Nets
45%
45% of the Nordic market
for card processing
33m
33 million cards on
Nets’ platforms
500,000
More than 500,000
merchants serviced
140,000
Creditors use our services
along with most households
in Norway and Denmark
7.8m
More than 7.8 million
digital identities issued
THE BUSINESS THE COMPANY
DKK 6,5 BILLION
A steadily growing turnover
2.500 EMPLOYEES
More than 2.500 skilled employees in
six countries and eight offices
NORDIC + BALTIC
Local offices in Denmark, Finland,
Norway, Sweden, Estonia and Latvia
Nets RealTime24/7 in Europe
Proven scalable and high
performing cross border
solution in production
Proven speed of
implementation and ability to
deliver
Solid and proven
architecture that has a
proven operational track
record
The solution – RealTime24/7
Different message
support
High-performance
24/7/365
ISO 20022
payment engine
EPC/SEPAwith
AOS options
Starting with credit
transfers
Value added
services
Experiences
when going
Instant
Business Development with success
Competitive, free of charge
Push for signup
User friendly app. sending/
request/share bill,
recipient validation, etc.
Smaller merchants usage
Market places/Events
Fundraising/charity
Bluetooth terminals -
Creating critical mass
Find store
Attractive commercial
model for merchants
Receipts archiving, Mobile
on your Apple Watch
Loyalty programs, 5-15%
Customer experience
Specifications
All banks on-boarded (80)
Gradually increasing
amount limits for mobile
Retail chains joining
Internet retailers on-
boarded
05/2013
Bank´s launch
P2P Mobile
09/2013
RealTime24/7
Project Launch
Q1-2/2014
Use cases
acceleration
11/2014
RealTime24/7
Launch
Q4/2014
The P2M
approach
O1-2/2015
Broadening the
use cases
H2/2015
2016
Enhancing value
proposition
Transfer all current mobile
transactions to real-time
Build the infrastructure for
creating full reach Promote home banking
Targeting merchants
further
Higher amount limits 7K€
Municipalities onboarding
Use-cases for
Instant payments
Mobile payments
Chatbot in Messenger
Bill sharing
Invoice function for users to pay
invoices via mobile phones
Adding mandates
Removing the need for cash
The car dealer case
Phasing out legacy systems & products
Future platform for all innovation
Insurance payout / loan payout
Large retailers provided with external
”units” with Bluetooth and QR
Solutions for e-commerce payments
Instant funding to Merchants
2nd G enhanced terminals handling both
cards and mobile payments
InnovationFriction
Convenience Right	now
Doing it right
Rasmus Eskestad (Nets): Instant Payment Review

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Rasmus Eskestad (Nets): Instant Payment Review

  • 1. 3. May 2018 Rasmus Eskestad – Senior Business Manager, Nets INSTANT PAYMENT REVIEW FinTechShow - Budapest
  • 2. Instant payments create new use cases – you never imagined
  • 3. Nets’ in numbers 500,000 More than 500,000 terminals interact with Nets 45% 45% of the Nordic market for card processing 33m 33 million cards on Nets’ platforms 500,000 More than 500,000 merchants serviced 140,000 Creditors use our services along with most households in Norway and Denmark 7.8m More than 7.8 million digital identities issued THE BUSINESS THE COMPANY DKK 6,5 BILLION A steadily growing turnover 2.500 EMPLOYEES More than 2.500 skilled employees in six countries and eight offices NORDIC + BALTIC Local offices in Denmark, Finland, Norway, Sweden, Estonia and Latvia
  • 4. Nets RealTime24/7 in Europe Proven scalable and high performing cross border solution in production Proven speed of implementation and ability to deliver Solid and proven architecture that has a proven operational track record
  • 5. The solution – RealTime24/7 Different message support High-performance 24/7/365 ISO 20022 payment engine EPC/SEPAwith AOS options Starting with credit transfers Value added services Experiences when going Instant
  • 6. Business Development with success Competitive, free of charge Push for signup User friendly app. sending/ request/share bill, recipient validation, etc. Smaller merchants usage Market places/Events Fundraising/charity Bluetooth terminals - Creating critical mass Find store Attractive commercial model for merchants Receipts archiving, Mobile on your Apple Watch Loyalty programs, 5-15% Customer experience Specifications All banks on-boarded (80) Gradually increasing amount limits for mobile Retail chains joining Internet retailers on- boarded 05/2013 Bank´s launch P2P Mobile 09/2013 RealTime24/7 Project Launch Q1-2/2014 Use cases acceleration 11/2014 RealTime24/7 Launch Q4/2014 The P2M approach O1-2/2015 Broadening the use cases H2/2015 2016 Enhancing value proposition Transfer all current mobile transactions to real-time Build the infrastructure for creating full reach Promote home banking Targeting merchants further Higher amount limits 7K€ Municipalities onboarding
  • 7. Use-cases for Instant payments Mobile payments Chatbot in Messenger Bill sharing Invoice function for users to pay invoices via mobile phones Adding mandates Removing the need for cash The car dealer case Phasing out legacy systems & products Future platform for all innovation Insurance payout / loan payout Large retailers provided with external ”units” with Bluetooth and QR Solutions for e-commerce payments Instant funding to Merchants 2nd G enhanced terminals handling both cards and mobile payments