![Page 1: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/1.jpg)
Digital commerce mění trh platebních karet
Miroslav Crha, SVP & Managing Director, Global Payments Europe
1
![Page 2: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/2.jpg)
1. About Us
2. Payment Services and Market Trends
3. Key Product and Services
2
![Page 3: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/3.jpg)
Global Payments (NYSE:GPN)
3
MERCHANT LOCATIONS
>100 3.5 M
~50B TRANSACTIONS PROCESSED
COUNTRIES
22%
68%
10%
America
Europe
Asia Pacific
~$8.6B ADJ NET REVENUE
>24,000 EMPLOYEES
GLOBAL SCALABLE ECOSYSTEM
![Page 4: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/4.jpg)
Global Payments Europe (GPE)
4
STABLE PARTNER FOR BANKS, PAYMENT
INSTITUTIONS AND MERCHANTS
SUPPORTED ISSUED CARDS
15 4.3 M
~1,3 B TRANSACTIONS PROCESSED PER YEAR
135.000 POS
3.250 ATM ~ 4,3 mil perso
cards/year
COUNTRIES
GPE EUROPEAN FOOTPRINT
![Page 5: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/5.jpg)
Tech-Enabled, Software-Driven Growth Global Payments has continuously evolved as a software-driven company, with a goal of being 60% technology- enabled by 2020.
2012
10% Tech-
enabled
30% Tech-
enabled
40% Tech-
enabled
60% Tech-
enabled
2015
2017 2020
5
![Page 6: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/6.jpg)
1. About Us
2. Payment Services and Market Trends
3. Key Product and Services
6
![Page 7: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/7.jpg)
Czech Market Basics
7
cash ~ 70% cashless ~ 30%
e-commerce % 12,35 millions - total number of payment cards
83 373 - total number of POS terminals
985,9 millions - number of domestic card payments sent
608,1 billions - value of domestic card payments sent, in CZK
Source: ECB
![Page 8: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/8.jpg)
8
Payment Services Trends
TIME
TO
MARKET
DIGITAL
PAYMENTS ERA EVOLVING
TECHNOLOGIES
LEVERAGE FINTECH SOLUTION
SEAMLESS INTEGRATION
COMFORT
INDEPENDENCE
SELF - SERVICE
INVISIBILITY
DATA SECURITY
HIGH RELIABILITY
GROWING
RETAIL
MARKET
DYNAMIC
GO MOBILE
MOBILE APPS. CUSTOMER CONTROL
VIRTUAL CARDS BIOMETRICS
DIGITAL TOKENS QR CODES
![Page 9: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/9.jpg)
9
Market Trends
E-commerce:
The HIGHEST GROWTH
in EU expected (16 %)
Fast and easy
CONTACTLESS
PAYMENTS
From desktop to
MOBILE
COMMERCE
DIGITAL BANKING
MERCHANT
APPS/PAYMENTS
DIGITAL
WALLETS
![Page 10: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/10.jpg)
Contactless Payments
10
Consumers claim they prefer cards rather than cash – despite the fact that they use cash more often. People remember the larger value payments and forget frequent small-value cash payments.
Contactless small-value payments could drive to significant increase of: - number of card transactions - frequency of card usage
![Page 11: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/11.jpg)
More than 80 % of Transactions Contactless
11
Source: GPE
![Page 12: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/12.jpg)
Small-Value Payments Grow Significantly
12
Source: GPE
![Page 13: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/13.jpg)
E-Commerce Growth in CR
13
In the CR one of the highest number of online stores per capita in Europe. Volume is still small = 0.8 % of the overall European e-commerce market.
The highest e-commerce growth (16 %) in EU expected - driven by young people.
![Page 14: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/14.jpg)
Expected E-Commerce Growth in Europe
14
Source: JP Morgan, 2019 Global Payments Trends Report - European Overview
![Page 15: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/15.jpg)
The Most Used Way of Payments
15
Source: APEK
2018
total cards 50% total cash 24%
bank transfers 22%
![Page 16: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/16.jpg)
E-commerce: from Desktop to Mobile
16
Mobile commerce is already well-established in CR = 54 % of all e-commerce transactions. High smartphone penetration 63,7 %
Further growth of mobile commerce is expected - fast and simple Strong
Customer Authentication methods (in App payments)
![Page 17: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/17.jpg)
CR #1 in E-Commerce Completed on Mobile in Europe
17
Source: JP Morgan, 2019 Global Payments Trends Report - European Overview
54%
54% 51% 42% 41% 39% 38%
33% 32% 31% 27% 27% 21%
20% 19% 15% 11% 10% 8%
![Page 18: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/18.jpg)
Future of Mobile Commerce
18
![Page 19: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/19.jpg)
Digital Wallets
19
Digital wallet can solve consumer's fears about sharing card details directly with merchants. High smartphone penetration 63,7 %
Further growth is expected - convenient, safe and easy
to use, - fast and simple Strong
Customer Authentication methods
![Page 20: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/20.jpg)
Impressive Launch of Apple Pay in CR
20
Source: GPE
Market share in CR
iOS 19 %
Android 81 %
![Page 21: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/21.jpg)
Merchant Apps / Payments
21
Online shopping becomes a part of everyday life. Czech consumers are price sensitive, promotions are very popular in CR.
Potential move from device-centric wallets to merchant apps/payments with complex shopping experience (incl. savings, promotions, coupons) expected..
![Page 22: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/22.jpg)
Digital Banking Apps Only
22
Digital alternatives for digital generation - open account with mobile - spend/withdraw money
abroad without fees - payment cards, Apple
Pay - peer to peer payments
- spending analytics
- pricing: free/premium plans
REVOLUT MONZO TRANSFER WISE
![Page 23: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/23.jpg)
1. About Us
2. Payment Services and Market Trends
3. GPE Key Product and Services
23
![Page 24: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/24.jpg)
Global Payments Europe at a glance
24
One stop shop experience to all players on the market
● Services are designed, developed and operated from one location.
● Ready to Customize - complete portfolio of services or single solution
● Focus on innovations - Google Pay, Apple Pay, Garmin Pay, Variable Fare for
Public Transport, Instant Card Issuing...
![Page 25: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/25.jpg)
GPE Key Industries
25
Banks Financial
institutions Fintechs
Identity card
issuers
Merchant acquirers Large retailers Petrol companies Municipality
Smart cities Technological
partners
Transport
companies
Sport and
Entertainments
companies
Credit Bureau
companies Crypto currencies Gaming Telco
![Page 26: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/26.jpg)
GPE Key Products and Services
26
Bank Cards perso & distribution
GP Webpay
Indirect Issuing services Direct Merchant Acquiring
E-commerce acquiring
3DS - ACS
ID and Fleet cards perso & distribution
GP Tokengate
Card Payments Processing
POS transport solution
Indirect Acquiring Processing
POS terminal SW
DCC Engine for ATM/POS/Ecommerce
Support of alternative payment methods
![Page 27: Digital commerce mění trh platebních karet Miroslav Crha, SVP & … · 2019-10-25 · Future of Mobile Commerce 18 . Digital Wallets 19 Digital wallet can solve consumer's fears](https://reader031.vdocument.in/reader031/viewer/2022011903/5f1390f1dafc99707f18c170/html5/thumbnails/27.jpg)
27
Thank you for your attention. Miroslav Crha
SENIOR VICE PRESIDENT, MANAGING DIRECTOR
GLOBAL PAYMENTS EUROPE