MULTI-CHANNEL PAYMENTS –
UNLOCKING THE POTENTIAL
Alan Moss
MORE GOOD NEWS FROM MARIO...
€ 1.900 Bln
37,2 Bln (+9%)
8,8 M
Use of the Main Payment Instruments in the EU (2000-2011)
Nu...
C A R D PAY M E N T S P E R C O U N T R Y
94% of all EU transactions from 12 countries
10,000
9,000
8,000

450
9,434

Tran...
C H A N G I N G PAY M E N T S M I X – U K E X A M P L E
Card Not Present playing an increasing role
9,000

CNP

8,327

Fac...
C H A N G I N G PAY M E N T S M I X – U K E X A M P L E
Card Not Present playing an increasing role

Telephone
Order
22%

...
CHANGING POINT OF INTERACTION
Dramatic changes converging to transform consumer behavior

Online

Multichannel

Stationary...
T O D AY ’ S C O N S U M E R I S C O N N E C T E D
Consumers know

Consumers what

What they want

Better selection

Who h...
R E TA I L E R S A L S O H AV E N E E D S
Make me faster and more nimble and make changes simple
Solve all my payments pro...
I N T R O D U C I N G PAY M E N T S A S A S E R V I C E
Everything required for secure and reliable payment acceptance
Poi...
MANAGED SERVICE INFRASTRUCTURE
Point-of-Sale Solutions

Reporting and Management
Card Payment

Fixed*

Portable*

Mobile

...
C O M P E L L I N G VA L U E P R O P O S I T I O N

Simple monthly fee pricing structure

No capital expenditure
No accred...
COMBINING MOBILITY AND MEDIA

Web Portal

Authorisation

Settlement
PAYware
Merchant
Store and
Forward

PAYware
Merchant
M...
HARNESSING THE SMART DEVICE

Enterprise

Micro
Merchant

13
IN-STORE MOBILITY
GlobalBay mobile POS applications
Increase revenue with access to near real-time
inventory, pricing and ...
MANAGING NFC INFRASTRUCTURE
Mobile Commerce Apps

NFC Issuance
Payments

Coupons/
Promotions

Tickets

TSM

NFC Acceptance...
BENEFITING THE MERCHANT
Make you more nimble to support a faster pace of innovation

Future-proof your payment system
Elim...
COMPLEXITY
17
C O M P L E X I T Y I S A N O P P O R T U N I T Y AWA I T I N G …

SIMPLIFICATION

18
MULTI-CHANNEL PAYMENTS –
UNLOCKING THE POTENTIAL
Alan Moss
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MultiChannel Payments - Unlocking the Potential

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At Cartes 2013 in Paris, VeriFone's Alan Moss presented on the topic of Multichannel payments and how payments are becoming more complex. But VeriFone Point can help simplify payment complexity. See how in this Slidshare presentation.

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  • “Key message: Offline -> Online -> Multichannel -> Omni-channel. We are now in a convergent world.Fixed -> Mobile -> Interact with cloudStatic payments -> Dynamic and impactful commercePlastic -> NFC, mobile, QR, GPS”Driving force to be reactive to new technologiesStrain on industry to change current infrastructureIntroduction of ShowroomingOmnichannelPhoneRedeem loyaltyLess retail and more customer facing
  • Consumers KnowWhat they wantWho has itWhat is costsConsumers wantBetter SelectionBetter ServiceBetter PricingAnd they want is now!Aislebuyer – other consumer shopping apps
  • Consumers have never been so empoweredWeb, FacebookSocial MediaShopping sites like Fancy and PinterestSmart phone equippedTabletsConsumers have better technology and information than your sales associates have
  • MultiChannel Payments - Unlocking the Potential

    1. 1. MULTI-CHANNEL PAYMENTS – UNLOCKING THE POTENTIAL Alan Moss
    2. 2. MORE GOOD NEWS FROM MARIO... € 1.900 Bln 37,2 Bln (+9%) 8,8 M Use of the Main Payment Instruments in the EU (2000-2011) Number of Transactions per Year in Billions 40 Credit transfers 35 Direct debits 30 Card payments Cheques 25 20 15 10 5 0 2000 2001 2002 2003 2004 2005 Source: ECB Blue Book, Sept 2012 2 2006 2007 2008 2009 2010 2011
    3. 3. C A R D PAY M E N T S P E R C O U N T R Y 94% of all EU transactions from 12 countries 10,000 9,000 8,000 450 9,434 Transactions in Millions 401 7,625 350 329 7,000 6,000 5,000 400 390 Value/Terminal K€ 311 307 300 258 250 234 201 4,000 200 177 150 3,000 2,721 2,324 2,173 113 1,746 2,000 1,227 69 1,000 2,019 90 1,736 1,092 1,049 100 74 996 942 50 0 0 Source: ECB Blue Book, Sept 2012 3 EU Avg
    4. 4. C H A N G I N G PAY M E N T S M I X – U K E X A M P L E Card Not Present playing an increasing role 9,000 CNP 8,327 Face-to-Face 8,000 7,430 Transactions in Millions 7,024 7,000 6,560 6,166 6,000 5,000 4,000 3,000 2,000 1,000 0 729 2007 792 878 2008 2009 Source: Payments Cards & Mobile/UK Payment Statistics 4 995 2010 1,108 2011
    5. 5. C H A N G I N G PAY M E N T S M I X – U K E X A M P L E Card Not Present playing an increasing role Telephone Order 22% Internet 76% Mail Order 2% CNP Transactions Source: Payments Cards & Mobile/UK Payment Statistics 5
    6. 6. CHANGING POINT OF INTERACTION Dramatic changes converging to transform consumer behavior Online Multichannel Stationary Mobile Plastic Omnichannel In The Cloud NFC, Mobile, QR, GPS 6 The Universal Merchant Offline
    7. 7. T O D AY ’ S C O N S U M E R I S C O N N E C T E D Consumers know Consumers what What they want Better selection Who has it Better service What is costs Better pricing 7
    8. 8. R E TA I L E R S A L S O H AV E N E E D S Make me faster and more nimble and make changes simple Solve all my payments problems, not just one component Give me a long term payments road-map to prevent frequent unplanned changes Secure my cardholder data, take store systems and integration out of scope A partner who can bring together a comprehensive multi-faceted solution Let me focus on the consumer and my business to innovate the store experience Drive footfall, increase spend or reduce cost 8
    9. 9. I N T R O D U C I N G PAY M E N T S A S A S E R V I C E Everything required for secure and reliable payment acceptance Point’s Payment-as-a-Service Platform Any processor/acquirer Loyalty TransporT Consumer Vouchers Invoices Key Facts Direct debit Coupons     Terminal/ VAS Restaurants mCommerce Point’s secure proprietary network (secured transmissions) Any Service Provider (loyalty, coupons, pre-paid, vouchers, etc.) Point’s gateway (bank/acquirer-neutral/ PCI-certified) Hotels Proprietary secure network PCI DSS certified Multi-channel capabilities Open platform (acquirer and third party neutral) 9  200 million transactions per month  Connected to 50 acquirers  Expanding to new markets in Europe as well as outside Europe Some 3rd party providers hosted by Point Credit/debit cards Shops Secure gateway eCommerce/ online payments Point Software & Industry applications Payment Methods
    10. 10. MANAGED SERVICE INFRASTRUCTURE Point-of-Sale Solutions Reporting and Management Card Payment Fixed* Portable* Mobile * Standalone or Integrated with POS Internet/CNP Solutions Gateway Enter Card: Internet Mail Order/ Telephone Order Recurring Payments/ Subscriptions Value Added Services 10
    11. 11. C O M P E L L I N G VA L U E P R O P O S I T I O N Simple monthly fee pricing structure No capital expenditure No accreditation fees Easy to integrate Easy to implement 11
    12. 12. COMBINING MOBILITY AND MEDIA Web Portal Authorisation Settlement PAYware Merchant Store and Forward PAYware Merchant Managed Service RBS Worldpay 5,500+ EMV contactless payment systems for card acceptance 12
    13. 13. HARNESSING THE SMART DEVICE Enterprise Micro Merchant 13
    14. 14. IN-STORE MOBILITY GlobalBay mobile POS applications Increase revenue with access to near real-time inventory, pricing and on-the-spot credit card transaction mPOS iPad Retailing Eliminate line abandonment and convert sales by expediting checkout Encourage repeat customers by improving the customer experience with personalized one-on-one attention Clienteling Create new sales opportunities outside of the store Inventory Mgmt. Empower workers with up to date information from anywhere 14
    15. 15. MANAGING NFC INFRASTRUCTURE Mobile Commerce Apps NFC Issuance Payments Coupons/ Promotions Tickets TSM NFC Acceptance Prepaid/ Loyalty VeriFone Estate Management App & Terminal Mgmt. OTA Provisioning PAYMEDIA Network Services Transaction Mgmt. & Routing MNO Wallet App NFC App Manager Open API Secure Element Flexible NFC App Software Common Interface Standards 15
    16. 16. BENEFITING THE MERCHANT Make you more nimble to support a faster pace of innovation Future-proof your payment system Eliminate the complexity of payment system changes Secure cardholder data and take your store systems out-of-scope Improve the in-store shopping experience Enable you to concentrate on your customers Solving the total payments problem so you can focus on your business 16
    17. 17. COMPLEXITY 17
    18. 18. C O M P L E X I T Y I S A N O P P O R T U N I T Y AWA I T I N G … SIMPLIFICATION 18
    19. 19. MULTI-CHANNEL PAYMENTS – UNLOCKING THE POTENTIAL Alan Moss

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