Smartcards seqr presentation_16062015 v2
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Smartcards seqr presentation_16062015 v2
- 1. Mobile payments on a daily basis developing Smart Cities by João Pedro Duarte Europe Southern Region - SEQR
- 2. SEAMLESS – THE BACKBONE OF SEQR
- 3. ABOUT SEAMLESS - 13 years of experience in developing and running Stored Value Accounts & Mobile Payments. - Publically traded company since 2006 (Nasdaq OMX) Ticker: SEAM - 525,000 active POS - Over 40 Mobile Network Operators are using Seamless’ ERS 360 in 26 countries - More than 3.1 billion transactions annually
- 5. FOCUS AREAS - FOCUS AREAS: US, SEPA and UK - MARKETS OUTSIDE FOCUSAREAS are open for licensing.
- 6. 1. Actual cities - already smart cities ? 2. What’s missing - for sellers (merchants) - for buyers (consumers) 3. Emerge of new payment scenarios ? AGENDA
- 7. MOBILE PHONES – A VITAL PART OF LIFE
- 8. (Source: 60SecondMarketer.com, The Meeker Report 2013, ImpigeMobileStrategy.com 2011, Statista/Google Our Mobile Planet 2013) 4B Global Mobile users 3,5B toothbrushes are sold annually 90% of phones sold today are smartphones 150/day the amount of times that the average person check their mobile 74% use their mobiles to make purchases 26 the amount of apps the average person has Still, only 12% of the total use of mobiles is payments (related) HOW WE USE OUR MOBILE PHONES
- 9. Mobile transaction market worth $721B with more than 450M users by 2017 Mobile Coupon users to pass 1B by 2019 (Source: Garner 2013, Juniper Research 2014) TRANSACTION SERVICES ON SMARTPHONE
- 10. YOU USE YOUR SMARTPHONE FOR MOST THINGS – WHY NOT PAY WITH IT?
- 11. What will mobile payments in 2015 look like? ) Source: Mobile paymentstoday – June
- 13. NO LACK OF EFFORT
- 14. MAJOR PLAYERS LOOKING TO FIND SWEETSPOT Global lpayers Global players
- 16. THE NEED FOR MOBILE PAYMENTS ARE CLEAR
- 17. SEQR TICKS ALL THE BOXES
- 18. HOW TO DO IT ? MULTIPLE PAYMENT SCENARIOS
- 19. SEQR IN-STORE PAYMENT 3. PIN1. TAP OR SCAN 2. CONFIRM 4. COMPLETED (DIGITAL RECEIPT)
- 20. SEQR PAYMENT FLOW Consumer’s bank Merchant’s bank SEQR Transaction Switch Consumer’s Bank Merchant’s Bank
- 23. SEQR PEER TO PEER
- 24. SEQR OTHER PAYMENTS Vending Outdoor Ads Parking Invoices TPA Self Service Gas Station
- 25. WHAT’S MISSING ? - For Merchants
- 27. SEQR DRIVING MOBILE PAYMENTS • Significantly lower transaction fees • No hardware investments • No fixed fees • Faster payments Higher consumer turnover • SEQR Offers Customer acquisition • Connect existing loyalty programs • Sell through new channels, active media allowing consumers to shop right on the spot LOWER COST + INCREASED REVEN PROFITABILITY FROM DAY 1 ∞ ROI
- 28. LESS INTERMEDIATES AND LOWER COSTS Card payment SEQR payment MERCHAN T CARD TERMINAL FEE PAYMENT PROCESS OR FEE MERCHAN T SERVICE CHARGE CARD NETWORK FEE INTER- CHANGE FEE SEQR reduces the merchant service charge (MSC) and eliminates the payment processor fee CUT OF MSC MERCHAN T ACCOUNT ISSUER
- 29. LESS INTERMEDIATES AND LOWER COSTS
- 30. PRODUCT OVERVIEW , BUT ONLY IN CERTAIN MARKETS
- 31. WHAT’S MISSING ? - For Consumers
- 32. SEQR FEATURES
- 33. SEQR OFFERS • Based on 1st purchase • Based on a specific item
- 34. SEQR REWARD PROGRAM CASHBACK REWARD IN ALL PURCHASES
- 35. INSTANT CHECKOUT
- 36. SEQR DONATIONS
- 37. NEW PAYMENT SCENARIOS NEW SALES CHANNELS
- 38. SEQR SHOP SPOT: NEW SALES CHANNELS TURNING YOUR EXISTING INVESTMENT TO A NEW STREAM OF REVENUE
- 39. SEQR SHOP SPOT: ACTIVE MEDIA DIRECT MAILNEWSPAPERTVBILLBOARD TRANSFORMING YOUR MEDIA INTO A POINT OF SALE!
- 40. SEQR SHOP SPOT: BILLBOARD
- 41. SEQR SHOP ON THE SPOT OFFER NOW!
- 42. SEQR SHOP SPOT: ACTIVE MEDIA ∞ POSSIBILITIES CONSUMERS REVENUES
- 43. SEQR SHOP SPOT: TV ADS
- 44. SEQR SHOP SPOT: NEWSPAPERS
- 45. SEQR SHOP SPOT: CATALOGUES
- 46. SEQR SHOP SPOT: SHOP ANYTIME
- 47. TRANSFORMING ANY USER IN A SELLER
- 48. SEQR MYSHOP: A SHOP FOR EVERYONE
- 49. SEQR : JOINING THE EVOLUTION By João Pedro Duarte Your contact in Spain + 34.685.320.715 Andres.varela.costa@seqr.com
- 50. SEQR : JOIN THE EVOLUTION
Editor's Notes
- The answer is, we actually already do. We pay for our taxis, buy our morning coffees, pay for our McDonalds meals and use public transport – but we do all this through different applications or functions and there doesn’t seem to be an obvious solution that can handle it all. The solution is a system that can handle all of these activities in the same place. (SEQR’s mission is to be the answer to that. Through one application you are able to make payments, collect loyalty points for all different retailers and at the same time also have your receipts neatly filed in the same place.)
- So what’s missing? Why have we not seen the numbers predicted 5 years ago? Well, there is no lack of effort but most innovations do not really solve consumer AND merchant needs
- MobilPay /net opia Mastercard based solution being live only in online environment (QR code based). Recently they announced launching of a partnership with Expressoft (one of the ECR SW provider for HORECA) and presented a DEMO where QR code is printed on the bill and the user scans it with MobilPay app and make the payment. The solution for offline it is not yet commercially launched - probably there are some pilots. advantages: opened for all MC irrespective the bank disadvantages: card based - higher fees, not yet deployed ING Wallet ING is one of the best bank in Romania ING did a partnership with RBC ( Wincor Nixdorf dealer in Romania). RBC copied our solution. RBC is quite present in media saying that they will launch ING Wallet, that they are in discussions with main Retailers ( most of them are using WN). ING did not make any PR. RBC is blocking us to get an integration offer from Wincor Nixdorf ING Wallet it is not launched yet, it will be card based and a QR code will be stick at the cash register. ING meets all our SEQR retailers and SW providers and proposes them contracts.Frustrating! advantages: opened for all cards, irrespective the bank, partnership with RBC ( we need to push though a retailer and from Seamless HQ to get a frame agreement with WN) disadvantages: card based - higher fees, not yet launched. Mobuy Vodofone mobile payment solution Vodafone launched M-Pessa in Romania it is a prepaid solution Vodafone Vodafone is going to launch it's mobile payment solution. I don't know more.