Gijs Boudewijn

Amsterdam, January 13, 2017

Deputy General Manager

Relevant, verbindend, gedreven

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Dutch Payments Association

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Our mission

• We strive for an effective, efficient, secure and reliable payment system

• We implement non-competitive collective activities in the shared interest of ourmembers

• Our collective activities relate to:

- Infrastructure, standards, security and common product features

- Product management (e.g. iDEAL), quality control, fraud prevention,change management, payment system expertise and public information

- Representation of our members in national and international fora

• Our governance is tuned to our mission, e.g. non-member Board members

• We actively involve end user representatives in stakeholder fora

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Our members and stakeholders

Members: all regulated payment service providers on the Dutch market:

• Credit institutions

• Payment institutions

• Electronic money institutions

Stakeholders: end users of payment services on the Dutch market:

• All parties involved in the payment system as end users:consumers, businesses, processors, network suppliers ….

We are proud to be a member of Holland Fintech

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Contactless makes up 25% of debit card trx

June 10, 2016Holland FinTech Meetup 5

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Growth of iDEAL surpasses ecommerce

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# iDEAL transactions per annum

38,2%via mobile banking app

0%fraud

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Some of our collective innovations…

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2017: a busy year in payments …..

• National PSD2 implementation under full steam introducing Payment Initiation Services (PIS) and Account Information Services (AIS) per 13 January 2018

• Ongoing discussions on EBA Regulatory Technical Standards on Secure Customer Authentication and Secure Communication; due February 12

• PSD2 has already sparked a wave of innovation among incumbents andchallengers, gravitating to more intense competition but also cooperation

• Eurosystem expects instants payments and standardized proxy lookupservice by November, harmonized PIS/AIS API by early 2018 ….

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