POS terminals development, a perspective in Eastern Europe 17 TH CEESCA CONFERENCE - CONNECTS THOUGHT LEADERS STEVAN VUKOVIC
agenda � Ingenico Group in a nuthsell � Eastern Europe vs Western Europe cashless snapshot � What next in Eastern Europe? � Three way to grow cashless payments in EE: a Perspective 1. mPOS 2. VAS at POI 3. Verticals � Our vision moving forward
Ingenico Group in a nutshell 3
Ingenico global leader in seamless payments Empowering in-store, online and mobile commerce Operating the widest range Ingenico Payment Services The global reference in turns complex financial mobile acceptance today and base of terminals (>22 Mns), and connected to more transactions into seamless operates in 14 countries , than 1,000 acquirers and payment solutions . We serving 100,000 banks, the Group’s smart leverage on historical position connected merchants terminals 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. 4
KEY FIGURES / 2014 Solid Financials & Dynamic Revenues growth Revenues 2014 Revenue split by Regions EBITDA 5
Ingenico Group in SEE A market leader focusing on innovation in seamless payment CUSTOMER BASE PART OF INGENICO 14 European territories EASTERN EUROPE + Israel Main references Acquirers Intesa Sanpaolo, Societe ANNUAL 160.000 Generale, Raiffeisen, Erste, … SHIPMENT terminals Main references SHARE IN 2014 delivered in Retailers ( Lidl, McDonalds, 60% 2014 Agrokor, Delhaize…) Our latest innovation on the field PRODUCTS AND SOLUTIONS • Full Ingenico Smart terminals • Payment and Value added apps • Field services • Tailored Vertical solutions • Payment services 6
Eastern Europe vs. Western Europe 7
Eastern Europe A huge market potential WESTERN EUROPE EASTERN EUROPE x 2 188 Mns Habitants 391 Mns Habitants x 3,5 179Mns of Cards 643 Mns of Cards x 4,8 1 590 000 POS x 4,8 7 815 000 POS 8
Eastern Europe cashless payment growth drivers for acquirers Traditional merchants / Acquiring “ BAU” - Contactless devices / Color screen devices / bring payments with highest security requirements and all payment means acceptance New merchants / Acquiring “ Generate new revenues by extension of merchants portfolio ” - Vertical markets entering with cashless devices ( i.e. Vending / Transportation) - Vertical markets entering with cashless solutions ( i.e. mPOS) Keep merchants loyal/ Acquiring “ Up-selling by bringing value” - Pushing value added services ( (i.e. VAS generating revenues to merchants) - Acquirers becoming VAS aggregator (i.e. Point of Services kiosks) 9
What’ next in Eastern Europe? New Merchants acquisition and Keep merchants loyal 10
V VAS at POI V E Verticals mPOS A R M S T P Enabling new Enabling new Generating new @ I O revenues for merchants merchants to accept segments with P C S and acceptance cashless payments cashless payments O A opportunities I L S 11
mPOS M P Enabling new merchants to O accept cashless payments S 12
mPOS : a significant potential worldwide mPOS market growth is driven by Europe share in mPOS shipments will reach complementary solutions to existing 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 Source: Smart Insights 2014 report on mPOS 13
Turn your smartphone / tablet / PC into a secure and mobile POS solution iCMP Highest Security All Payment Options EMV Chip & PIN, MagStripe, PCI-PTS 3.x, SRED certified Contactless, NFC Telium 2 Telium 2 Advanced Sized for mobility Empowered to manage graphical Small and Perfectly flat, the iCMP fits libraries, TouchScreen & with all pockets multimedia Bluetooth Connectivity Optimized battery life Smartphone and tablet connectivity Up to cover 3 days of work compatible with iOS, Android and Windows world Open up a wide range of opportunities to expand your mobile business leveraging the mobile commerce platform 14
Large Merchants are ready for mPOS Use case: Retail/ Allianz Hungaria � Customer • Largest Insurance Company in Hungary • Looking for an innovative mobile payment solution to avoid (pricing calculation erroros, cash acceptance) to have immediate cash-in • Completing his digitalization strategy with mPOS solution launch � Why Ingenico? • Reliable terminal platform and transaction authorisation speed and contactless acceptance • The best fitted solution ( unique actually among solution looked at on) with customized expectations • Perfectly suitable Merchant Commerce Manager back-office with perfect integration with the Customer BO Facts & Figures Key success factors of mPOS solution (4 months observation) • Excellence & commitment in project coordination • 7000 tx • Ease, convenience, speed in set-up and operation • 560 agents • Demateralized receipt for merchant and consumer (future proof/ paperless) • 30% of tx cless • Technical reliability, • SECURITY 15
Small merchants are ready Use case/ PeP Pioneer with mPOS contactless solution in Poland � Customer • PSO established in 2010, dedicated to small merchants • Focusing on innovation in payment and value-added services • Pioneer in card based bill payment and advanced rewards • First contactless mPOS provider in Poland � Why Ingenico? • Reliable terminal platform and transaction authorisation speed • Perfectly suitable devices with customer changing needs: design, ergonomic, size & seamless use Fully certified (1 st solution certified by Master Card for contactless in Poland ) • Key success factors of mPOS solution Facts & Figures (3 months observation) • Easy, quick and convenient payment service. • Different merchants segments on board (taxis, • No printed receipt, no need for paper to store hospitality, mobile services, cosmetics...) • Technical reliability, «zero-issue» authorization process so far • 70% of tx cless, 30% C&P, no Magstripe • Well documented merchant portal to get transactions • Several 000’ of tx so far statistics 16
mPos deployment approach fitting with new merchants expectations: flexibility and seamless Flexible business model Dedicated Easy & fast operations & merchant support New distribution activation channels Limited commitment 17
V A VAS at POI S @ Generating new revenues for merchants and P acceptance opportunities O I 18
Offering VAS at the POI New challenges for merchants and banks Boost daily Increase revenues Merchants productivity @ store Diversify its core Reduce operating business activities expenses Merchants acquisition Differentiate from Banks and retention competition Develop cost Strengthen security reduction programs 19
Example : VAS revenue generation at French SMB merchants Increase revenues � Small grocery stores � Typology : urban zone , 1 to 3 employees � VAS portfolio : mobile top up, e money � Average net revenue per store : 50 euros /per month � Convenience stores (tobacco, press, phone shops) � Typology : urban zone, 1 to 10 employees � VAS portfolio : mobile top up, gift card, e money � Average net revenue per stores : 250 euros /per month 20
V E Verticals R T I Enabling new segments with C cashless payments A Vending, Transportation L S 21
Cashless payment the next step for Vending Time to move is now Cashless payment generate more revenues and bring security to Vending machines • Secure & reliable • Seamless purchase experience for Consumers ( no limited by cash in the pockets) • Consumer could be refunded in real time • Almost all consumers have a card or a smartphone • Complementary revenues (cashless payment generate +5-10% revenues as per our field experience) • Huge vending machines installed base in Eastern Europe ( >500K, estimation) • High potential transactions number ( EU statistics, 6 Bn of items / year, 295 Mns of Consumer purchasing at least once per week • Almost all Vending machines are only cash based 22
Cashless payment in Transportation Huge opportunity in all segments Card Present Card not present Use cases On line Public transportation: on- At the counter board, in-store, on-line Taxi : in-door, out-door, On the move mobile parking, call a taxi At Kiosk VAS services Air Transport: Pay at kiosk Wireless for additional services 23
Use case «Air Transportation» Tailored smart terminals and payment services for all sales channels Several running Solution projects with More than across cross-border 800 kiosks Europe and payment in the US services Our solutions • Self-service kiosk equipment with unattended cashless payment devices • Mobile payment devices for on board payment integrated with PDA/smartphones • Centralised cross-border payment platform for transaction collection • Consolidated reporting on several sales channels (desk, mobile, self-service) 24
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