e-payment consulting services

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Bruno Zysman

E-Payment Consulting ServicesPresentation

January 2012

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What do merchants want ?

Increase revenues Take more customers per hour Offer new products and services Extend sales channels

Develop customer loyalty Accept all cards, all users Improve brand recognition Make payment simple and fast Offer new services, new

products, new channels

Optimization of cashless acceptance Optimize acquiring/processing

flexibility Decrease overall operation costs

(supervision, maintenance, visibility)

Maintain global security End to End risk management Respect rules Protect brand image against fraud

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What does the bank want ?

Acquiring side Terminal assets growth Increase acquiring revenues Security and Fraud management risk Ease of estate management and migration to new standards

and new applications

Issuing side Cardholder retention Security and Fraud risk management Migration to new chip standard with ease

4+What can we bring to you ?

Proposal and Implementation of Execution plan with your and your teams (Issuing / Acquiring) for Merchant network growth Management Merchant retention strategies New revenue streams using payment terminals Synergies between issuing and acquiring End to End Security (Vendor, merchant, Bank) Migration to new standards Terminals estate optimization

5+Merchant Growth ManagementMerchant Relationship Strategies

Terminal Transactions Growth Merchant Training Strategy New Revenue Streams

Network Growth Strategies Creative Sales Strategy Merchant Network Optimization

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Merchant Retention Strategies

Improved POS integration Reduced cabling / connections Merchant receipts stored

electronically

Offer additional revenues Gift cards, Loyalty, Topup…

Easy look-up of transactions Reporting Reconciliation with POS/cash

Reduced involvement in EDC issues: Transactions stored centrally Plug and play maintenance EDC parameters managed

centrally Automated migrations and

upgrades

Increase speed of card payments End-to-end IP connectivity Fast Authorisations process

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New Revenue Streams using Payment TerminalCustomer centric

Top up Loyalty Gift card

New business trend

Loyalty card Social media couponing Client recognition at the

point of sales

Facilities Bill payment Mini ATM Ticketing (transport,

event…) Installment

8+Synergies between Issuing and AcquiringInternal bank branding recognition

ON US transaction discount sponsoring

Cross Promotions for Cardholders at Merchants

Cross Promotions between Merchants

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Security

EDC Vendor side Secure storage and

delivery Secure key injection Secure EDC

maintenance process

Merchant side Secure terminal (PCI-

DSS) End to End Encryption

Processor / Gateway side Level of Certification Physical access control Logical access control processing network security Storage policy Business Continuity /

Redundancies, 365/27x7 Bank side

Secure Network Infrastructure Secure processing fraud management Risk monitoring

10+Migration to new Standard

Chip debit cards Migration strategy: When ? How ? Who ? Migration campaign

Mobile banking Platform Security Features

Mobile Payment NFC

11+Terminals Growth ManagementMerchant terminal transactions growth strategy Merchant Training Process Bank brand recognition for on us transactions (if

applicable) Other revenues acceptance IPP strategy

Network growth strategy Sales team training Sales arguments

12+Terminal Estate Optimization

Infrastructure management Network Communication between Terminals

and the Acquiring organization (NAC/NCC) Network Management System Communication Costs

What can you get from your TMS ? Terminal usage logs and statistics Terminals Diagnostic

13+How do we bill our services

Audit / Implementation / execution plan Agreed Monthly retainer Success fee on agreed target

Rules Retainer may or may not include incurred

expenses We don’t bill on a time basis

14+Bruno Zysman profile

More than 20 years in the secure transaction world: 4 years in customer loyalty and CRM 6 years at Gemplus in France (now Gemalto) 5 years at Ingenico in France and in Indonesia

(development center) 7 years in mobile payment, contactless systems and

NFC

Thank you !Bruno.zysman@e-PaymentConsulting.com

e-Payment Consulting Services Pte Ltd17 Phillip Street, #05-01 Grand Bulding

Singapore 04869515