PrePay Solutions Prepay Solutions (PPS) UK pioneer in prepaid - PowerPoint PPT Presentation

PrePay Solutions

Prepay Solutions (PPS) UK pioneer in prepaid leading the sector for the last 10 years with continued innovation delivering successful prepaid programs throughout Europe 2

PPS in t in the D he Digit igital al Value C alue Chain hain Digital Value Chain  PPS is an e-money institution passported into the European Economic Area Issuer  PPS is a MasterCard member with a European licence Program Distributor Acquirer (technical or banking) Switch (international or domestic) Processor / PPS provides complete processing and authorization services on its certified platform Authorization Settlement manager Other support services provided by PPS Supply Program Call Centre Compliance Risk Chain Design Support Support Support Management Management 3

PPS is 100% Focused on Prepaid Hybrid Closed Filtered Open (Closed Loop Loop Loop Loop & Open loop) 4

PPS’s Positioning in the Prepaid Market B2C B2B B2G Dedicated Funds 23 1 29 21.6% 0.1% 45.9% Non dedicated Funds 4 2.3% 30.1% 18 % of PPS’s Activity Volume* # of active programs X% X PPS is active in all identified segments *Activity Volume includes Issue Volume and Managed Volume 5

A Flexi Flexible P ble Plat latfor orm m Around ound Smar mart Wall Wallet ets Load Spend Account Account Account Account Account channels channels Wallets Wallets Wallets Wallets Wallets POS Account NFC (1) Merchant Loop Filter Velocity Controls Loading Rules Transfer Rules QR Code (2) Multiple Wallets Mobile PPS’s account and wallet management system is at the core of the platform’s flexibility (1) NFC: Nier Field Communication (contactless technology) 6 (2) QR code: Quick Response barcode, read by equiped mobile phones

An I n Int ntegr egrat ated ed Plat latfor orm ( m (45+ 45+ Int ntegr egrat ations ions) Internet Open Gift Card Loop Mall Network Networks Clients (Point to Point) Closed Cash Loop Top-up Network Networks Decoupled Bank Debit Top-up Networks Networks Credit Domestic Card Networks Top-up Networks Airtime Top-up Networks BABS PPS’s architecture allows for direct connection to all types of transactional stakeholders 7

PPS’s Innovation Stream 2012 Master Account Mobile NFC (Mobile sim-based payment) Sub-Account Sub-Account Sub-Account Card Level controls Card Card Card (Usage rules for each card) Mobile Solutions (Mobile-based services) Virtual Cards (No physical card) B2B Features (Tools for the corporate client) Multiple Wallets (Multiple wallets for each account) 2009 8

Case 1: Paypal Access Card Paypal’s special authorisation process PayPal APIs Merchant / Standard MasterCard (to debit/credit) MC interface Authorisation Interface < 1 second on average < 0.5 second on average Very strong and unique integration 9

Case 2: Orange Cash Card (1/2) 10

Case 2: Orange Cash Card (2/2) Load Spend Virtual p2p Virtual Credit Card NFC Debit Card Direct Credit Card Standing Order Wallet Controls Limits Redemption & Withdrawal Cash Top-up Loyalty Points Top-ups Redemption MicroPayments Using PPS key functionalities 11

Case 3: Meal Card - Edenred Belgium Meal Card system in Belgium Merchants One connection to all Atos POS terminals in Belgium NFC Network Terminals Control (For small restaurants) Key elements of the project  Developement and certification for Belgium Transaction protocol  Integration with the new Edenred card Back Office  Specific developpement for local legal requirements 12

Case 4: Expense Card - Edenred Spain Expense Card system in Spain B2B Card Management One Platform connected to two different networks Clients Merchants (Repsol gas stations) Key elements of the project  Real-time card level controls  Integration with Solred Network  B to B integration with My Business Account 13

My Business Account Illustration 14

My Business Account Illustration 60 00 15

My Business Account Illustration Weekly Load € 50 16

PPS, Enabler of Edenred’s Digital Strategy  Short time-to-market by leveraging capabilities to quickly adapt Edenred’s offer to clients’ needs through a Product dedicated team at PPS working on Edenred programs  Full integration with Edenred’s Back Office  Short time-to-market to roll out new countries based on Roll-out previous program experience  Low internal implementation costs Cost  Global economies of scale Innovation /  Leveraging latest technical innovations  Permanent market trends benchmark Benchmark With PPS, Edenred can concentrate on product innovation and distribution 17

Conclusion A dynamic business that supports Edenred in its digital strategy and gives it an edge in prepaid innovation 18