importance of data and electronic payment for e-commerce (and how ... - home voor webshops · 2019....

1

Importance of Data and Electronic Payment for E-Commerce (and how new EU rules will make our life difficult)

Maurits Bruggink, 26/09/2017

2

EMOTA – The European E-Commerce and Omni Channel Trade Association

• Aim o Represent online sellers in Brussels o Promote E-Commerce o Help policy makers remove barriers to trade

• Members: 33• EMOTA Brussels Office

o Maurits Bruggink, Secretary Generalo Razvan Antemir, Director Government Affairs o Joana Speier Paulino Peireira, Association Managero Oliver Hateley, Director Membership

3

Data Use VariesEMOTA

SURVEY

4

Cookies Remain KeyEMOTA

SURVEY

5

Top 3 Uses of Cookies

Top 3

Shopping Basket

Language Settings

Payment Settings

EMOTA SURVEY

6

Cookies UseEMOTA

SURVEY

7

Advertising§ 94% of shops do some sort of advertising

EMOTA SURVEY

Main Channels PercentageNot at all 5.6%Internet media 92.3%TV 12.9%Radio 6.5%Printed Media 38.7%

8

Interactive Advertising• 3rd party advertising generates the following proportion of

sales for webshops

EMOTA SURVEY

Proportion of Sales Webshops

0-10% 24.8%

0-20% 24.3%

20-50% 31.9%

More than 50% 19.0%

9

GDPRvPrivacy NoticevData Portability & ErasurevDocumentation/AuditorvData SecurityvEnforcement

10

ePrivacy DirectivevCookiesvMachine-to-machinevE-mail MarketingvTelemarketig

11

Payment MethodsEMOTA

SURVEY

0102030405060708090100

Credit/debitcard,OnlinePayment,BankTransfer

Paymentoninvoice,Cashondelivery

Instalments,other

12

Fraud AttemptsAttempts over last 12 months Percentage of organizations 0 44.4%1-3 27.8%4-12 9.3%12-36 7.4%>36 11.1%

EMOTA SURVEY

Average amount involved Percentage of organizations1-50 euros 9.3%50-250 euros 29.6%More than 250 euros 13.0%Not Applicable 48.1%

13

Fraud Protection MechanismEMOTA

SURVEY

Quality (1= very bad, 5= very good)

Percentage of organizations

1 10.2%2 2.6%3 28.2%4 28.2%5 30.8%

Importance (1= not important, 5= extremely important)

Percentage of organizations

1 12%2 14%3 10%4 24%5 40%

14

Rules around Payment SecurityEMOTA

SURVEY

Amount Percentage of organizations

0 euros 17.6%1-50 euros 20.6%50-250 euros 14.7%More than 250 euros 47.1%

From what amount should strong consumer authentication be mandatory?

Impact on sales Increase Decrease NoneConfidence 51.1% 13.3% 35.6%Sales 17.4% 58.7% 23.9%Turnover 23.9% 52.2% 23.9%

15

New Payment StandardvCard Reader >€30vRejection by consumer’s bankvThresholds fraud levelsvAggregated risk calculationvUSP of 3rd party pay-out service providers

16

What Next?• Educate your government(participate to surveys)

• Adapt to new rules

• Show to customer (Trustmark)

17

www.emota.euAvenue Marnix 301000 BrusselsTel: +32 2 213 74 23E-Mail: info@emota.eu

THANK YOU