mPOS solutions for un- tapped merchants, but not only… SEPTEMBER 18, 2014 OTTILIA ROUGUET EASTERN EUROPE MARKETING SOLUTIONS & SERVICES DIRECTOR / INGENICO GROUP
mPOS, what is it? Source: Visa Europe, mPOS Implementation Guide_10 Dec 2013 2
mPOS Market Dynamics
mPOS A promising future… >50M 5M 2012 2018 4
Driven by new merchants acquisition and additional solution to existing merchants in all geographies… mPOS market growth is driven by Europe share in mPOS shipments will complementary solutions to existing reach USA level in 2018 merchants and by micro-merchants mPOS Shipments by Geography 60 50 40 ROW APAC 30 Europe 20 US 10 0 2013 2018 5
…and by significant changes in consumer - merchant relationship • Must to accept card payment, • Smartphone or tablet is at the heart of consumer relation to even very small, to do not loose products sales • Consumer wants to be • Need to adapt his payment and considered as unique and POS technologies to consumers expect dedicated offer expectations • A seamless payment • Look for consumer engagement experience whatever the and loyalty to enhance channel is a must • Wants deep consumer insight • Consumer becomes the best and data analytics to offer more brand promotion power to merchants personalized products 6
…moving up on the value chain For micro-merchants but not only… Retail Merchants The payments ecosystem (Tier 1, 2 & 3 ) Line Busting, Client Servicing, is becoming increasingly Integrations, Global complex as merchants Deployments work with consumers in new ways. Small Merchants Customized Solutions – (Tier 4) Loyalty Programs, Offers Mobile Merchants Field Payments – Delivery, (Tier 5) Catering, Pop-up Stores, Food Trucks Micro Merchants Basic Mobile Card Acceptance – App + Reader + Processing (Tier 6) 7
…creating a diverse range of new use cases Delivery Delivery Field Sales Field Sales Home Services Home Services Out-of-Store Events Events Pop-Up Stores Pop-Up Stores Mobile Payments Ticketing Ticketing Fundraising Fundraising In-Store On-Board Mobile Mobile Fixed Tablet Fixed Tablet Onboard Onboard Payments Payments POS POS Purchases Purchases Line Busting Line Busting Client Servicing Client Servicing Business Business Continuity Continuity 8
…meaning that one size does not fit all / mPOS must adapt to different markets Emerging markets where mPOS is High penetration of POS: Merchants looking leapfrogging fixed traditional POS to extend their business solutions • Unique use cases • Increased competition • Financial inclusion • Higher demands from tech-savvy consumers • Demand for increased efficiency and • New revenue opportunities and use security cases • Government mandates for tax • Stay connected to customers in new and collection meaningful ways 9
Creating profitable business by answering mPOS market challenges
New and complex requirements to address mPOS solution Challenges requirements � Integration with existing systems (ERP, inventory, CRM) and POS infrastructure Back-end integration � Real-time device management � Allow to control devices used in nomadic way � End-to-end encryption, PCI, EMV, Visa Ready Security � Risk engine enabling pre-processing controls � White labeling and customized branding options to brand continuity � Allow existing applications, value-added services use for brand White-labelling communication (through APIs) � Tools to board and manage thousands of mobile users � Support for global deployments (chip & sign, chip & PIN, global gateway Scalability connections, certified to international processors) � Localization and multi-currency support � Real-time control over devices, users and profiles � Transaction reporting, analytics and audit trails Management � Self-service portals for merchant & estate management � Turnkey solution that can be used off-the-shelf or customized Speed to market � Sales training and support 11
By building solutions putting complexity out Back-end Integration Solution providers must take the complexity out of mPOS by managing the work behind the Speed to Security and scenes – i.e. connecting to acquirers, Market Compliance local card schemes, security, key injections, hosting and more. Powerful Mobile Payments Creating a seamless experience, Engine combining powerful business Device and solutions with payment, and Customizatio Merchant n and changing the relationship between Managemen Branding merchants and consumers. t Global Reach and Scalability 12
And creating more value by combining business solutions with payments Source: McKinsey Small Business Panel – June 2013 Smart Insights Report: mPOS Expansion Shakes the POS Industry 13
Ingenico Group & Ingenico Mobile Solutions
INGENICO GROUP at a glance Global footprint / multi-local solutions Trusted partner / from small merchants to global brands Seamless experience / whatever the channel Security / Ingenico’ DNA Innovation / consumers’ lifestyles • A Solid financial track record • A continuous growth 15
One group Empowering in-store, online and mobile commerce Operating the widest range Ingenico Payment Services The global reference in turns complex financial mobile acceptance today of terminals, and connected to more than 1,000 transactions into seamless operates in 14 countries , acquirers and banks, the payment solutions . We serving 100,000 Group’s smart terminals leverage on historical position connected merchants offer more than 250 in Europe to set the ground and accounting for 70% of payment methods. for a global offer . white label mobile solutions in the USA. 16
Ingenico Group innovative mobile payment solutions Ingenico Your App App What the merchant Merchant Commerce commerce manager platform deliver? Manager Platform � Enables each component to work Transaction Device seamlessly together & Analytics management integrate with external services. � Provides centralized Merchant management through Boarding & Fraud Engine two intuitive interfaces Support – one for the estate owner and one for the merchant. 17
Building a value proposal to all players � Add new recurring revenue � � Gain access to their own self- Enrich enterprise offerings to streams from their small service management portal capture high value customers business channel and migrate to professional � View real-time reporting of all � accounts Enhance customer loyalty by transactions for both merchant providing small business � and sub-merchant accounts Drive market share while merchants with a solution that generating recurring � Customize receipts with lowers card acceptance costs transactional revenues branding, messaging and � Enables them to take � social media links Increase average revenue per payments anywhere, anytime user (ARPU) and create long- � Integrate with back-office � term relationships with Grow their brand outside of systems and reduce the need professional account holders your traditional markets, for reconciliations becoming a recognized leader � Disrupt the payments in mobile payments ecosystem and ensure customer and merchant adoption of their mobile money and value-added services programs 18
Leading to a strong commercial success International: Leveraging Ingenico US: Operating 70% of enterprise- Group’s strong network to grow level mPOS solutions ISOs and Acquirers The only player operating in New verticals: 14 countries QSRs and Fundraising Direct Sales Strong network of Organizations acquirers New Entrants New Entrants 19
mPOS is a complete mobility solution & professional service Our business model is simple, transparent and customer tailored Our baseline model • HW • Set-up • Monthly operation fee Full managed services in white label • All components delivered from payment to merchant commerce manager back-office and mobile apps • Fully white-labelled with customization need • Project based design & build and implementation Tailored managed services trough SDK components and APIs • SDKs available for Customer own mobile apps or payment apps developments • APIs available to easy integration in existing reporting system 20
mPOS Solution implementation success factors
mPOS Solution on the field The winning implementation model in 5 steps Define and agree on the scope 1 Put in place a strong multi-party project management team 2 Architecture & build the solution 3 Integrate and test 4 Pilot and roll-out 5 22
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