NETS EXPERIENCES ON INSTANT
PAYMENTS
The Central Bank of Hungary
2018 March 1st Engagement Director Paul Walvik-Joynt
Nets RealTime24/7 in Europe
Only proven scalable and high performing cross border managed service solution in production
Proven speed of implementation and ability to deliver
Solid and proven architecture that has a proven operational track record
Instant Payment solution with world leading P2P uptake and services
Nets’ in numbers
500,000More than 500,000
terminals interact with Nets
45%45% of the Nordic market
for card processing
33m33 million cards on
Nets’ platforms
500,000More than 500,000
merchants serviced
140,000Creditors use our services
along with most households
in Norway and Denmark
7.8mMore than 7.8 million
digital identities issued
THE BUSINESS THE COMPANYDKK 6,5 BILLIONA steadily growing turnover
2.500 EMPLOYEESMore than 2.500 skilled employees in
six countries and eight offices
NORDIC + BALTICLocal offices in Denmark, Finland,
Norway, Sweden, Estonia and Latvia
Instant Payments on RealTime24/7
Services on
Instant Payments
Business
Development
of Services
Payment Solutions
and situations
Experiences
when going
Instant
Services on Instant
Payments
Services for
merchants
POS and e-com
(Partners)
Mobile, Netbank
And Eco System
(Partners)
Powered by
Nets
P2P and P2M
Direct transfer and
Request to payAI and VR
(Nets Smart
Payments)
Receipts and
Loyalty
(Nets Storebox)
PSD2 and
Open Banking
(Nets NAAS)
Going Instant- Denmark scaling fast
0
2 000 000
4 000 000
6 000 000
8 000 000
10 000 000
12 000 000
14 000 000
16 000 000
Additional 40% on-us transactions
P2X ~ 7 out of 8 transactions
Average number of trx. per day tripled
~28 trx. per inhabitant per year 2016
~35+ in 2017 – average growth 4% per month
Business Development with success
Competitive, free of charge
Push for signup
User friendly app. sending/
request/share bill,
recipient validation, etc.
Smaller merchants usage
Market places/Events
Fundraising/charity
Bluetooth terminals -
Creating critical mass
Find store
Attractive commercial
model for merchants
Receipts archiving, Mobile
on your Apple Watch
Loyalty programs, 5-15%
Customer experience
Specifications
All banks on-boarded (80)Gradually increasing
amount limits for mobile
Retail chains joining
Internet retailers on-
boarded
05/2013
Bank´s launch
P2P Mobile
09/2013
RealTime24/7
Project Launch
Q1-2/2014
Use cases
acceleration
11/2014
RealTime24/7
Launch
Q4/2014
The P2M
approach
O1-2/2015
Broadening the
use cases
H2/2015
2016
Enhancing value
proposition
Transfer all current mobile
transactions to real-timeBuild the infrastructure for
creating full reach Promote home banking
Targeting merchants
further
Higher amount limits 7K€
Municipalities onboarding
IP INFRASTRUCTURE - VAS
Slovenia Instant Payments inspiration
REGISTER/
DIRECTORY SERVICE
BATCH INPUT
(BULK/DEBULK SCT)
M-BANK
E-BANK
MOBILE WALLET
(P2P, P2M)
E-SHOP
PISP APPLICATION
PAYER PSP
PSP EMPLOYEES
SEPA PARTICIPANTS
PISP
PAYEEE PSP
PSP EMPLOYEES
ACH
M-BANK
E-BANK
MOBILE WALLET
(P2P, P2M)
POS SOLUTION
AISP APPLICATION
PAYER PERSON
PAYER BUSINESS
PAYEE PERSON
PAYEE BUSINESS
FRAUD
AML / KYC
STAND-IN
PSD2 TPP CHANNEL
Nets RealTime24/7
CLEARING
SCTinst
SETTLEMENT
TARGET2 INTERFACE
CENTRAL BANK
AISP
Payments
solutions and
Situations
Large retailers provided with external
”units” with Bluetooth and QR
Solutions for e-commerce payments
Augmented Reality shopping
experience
Business versions of P2P for SME´s
without a terminal
2nd G enhanced terminals handling both
cards and mobile payments
Can both be integrated with cash
registers and function as mobile
and portable devices in stores.
Invoice function for users to pay
invoices via mobile phones.
Enroll ERP-suppliers
Chatbot in Messenger
Mobile Payout function for corporates
InnovationFriction
Convenience Right now
@pauljoynt /in/pauljoynt
Instant Payments on RealTime24/7