Mehmet Sezgin Payment Systems Business Model & The Way Forward

1. Payment Systems
Business Model & The Way Forward
by Mehmet Sezgin
1

2. Garanti Payment Systems
on
Focus War
Cash
2

3. Garanti Payment Systems
Issuing
Customer
Touch
Business Innovation
Model
Customer
Needs
Acquiring
3

4. GPS with numbers
2000 2012
Growth
(Then) (Now)
# of credit cards 669.791 9.2 Million 14 Times
# of Debit Cards 625.649 7.0 Million 11 Times
# of POS terminals 25.147 525.000 21 Times
Volume (Bln TL) 0,4 62 155 Times
Market Share 7% 19% 2.7 Times
PCE penetration - Turkey 7% 34% 4.7 Times
PCE penetration
Spain 15%
Mexico 8%
US 46%
4

5. Innovation
Milestones
Bonus
as Group
Loyalty Buying
Youth
E-commerce &
Unbanked
Contactless Mobile
5

6. Bonus; a loyalty platform
Value to the merchant by
• Visit frequency
• Total spending
• Frequency + spending 160Mio E-Mails in 2011
• Cross-sell campaigns
• Product based campaigns
268Mio SMS in 2011
• E-purse
6

7. Loyalty in e-commerce at GPS
First virtual POS in TR
Fully integrated with bonus points
and installments
Now 12% of total acquiring volume is
e-commerce
8BlnTL vol in 2012; 30% share in Turkey
7

8. Contactless solution
Small ticket
Replacement of coins
Transportation;
8 cities, 300 bus lines
Total ticketing application
1st in EU
1st EMV Contactless globally
First M/Chip Advance globally
for ticketing
8

9. Mobile Payments; NFC
First integrated SIM+NFC solution in the world in 2010
In-house Development
• OTA (Over The Air)
• TSM (Trusted Service Manager )
All types of cards & services
9

10. Youth & Unbanked: Prepaid
Available
Co-
at
branded
Turkcell
Prepaid Stores
Auto-
P2P
enabled
Payments
SIM Menu
Financial Services
• Card information
• Money transfer
• GSM air time (TL)
• Properties
10

11. Group Buying with ‘POS touch’!
Bonubon
E-couponing at For women and
Just launched
POS new generation
11

12. Success Formula
against
War
Cash
Business Org. People & Technology
Model Model Culture Platform Innovation
12