internet world, london 29 april 2008 banking 2.0 and the rise of virtual wallets

Internet World, London29 April 2008

Banking 2.0 and the rise of virtual wallets

2

1 Introduction to Moneybookers

2 Banking 2.0 for Businesses

3 Banking 2.0 for Consumers

4 Banking 2.0: Trends & Key Drivers

Agenda

5 Contact

3

Key Facts About Moneybookers

3

First regulated e-money issuer, regulated by the UK financial authorities (FSA)

Founded in July 2001 and based in London, United Kingdom

Owned by Investcorp, Chairman of Moneybookers’ Board: Dr. Thomas Middelhoff

200 employees, supporting 12 languages

Most comprehensive Payment network for borderless money transfers worldwide and in

real-time

5.0 Million account holders and 8,000 new account openings per day

More than 20,000 merchants have used the Moneybookers solution

Moneybookers is an independent payment provider

4

Our Partners

4

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No. 1 in Local Payment Options – more than any competitor

•Amex•Visa• Mastercard• Jcb• Diners Club• Local Instant Bank Transfer

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• Poli

• Amex•Visa• Mastercard• Jcb• Diners Club• Bank Wire (coming soon)

• Amex•Visa• Mastercard• Jcb• Solo• Dinerd Club

•Amex•Visa• Mastercard• Jcb• Diners Club• eNETS

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club

•Amex•Visa• Mastercard• Jcb• Diners Club• Bank Transfer (coming soon)• Poli

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• Euro6000• 4B• Visa Electron


•Amex•Visa• Mastercard• Jcb• Diners Club


• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• EPS

• Bank transfer• Amex• Visa• Mastercard• Jcb• Diners Club• Laser

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• Cheque• Solo

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• iDeal

• Bank transfer• Amex•Visa• Mastercard• Jcb•ClubDiners • P24• BPH• Inteligo• Mbank• Multitransfer• Nordea

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• Giropay• ELV• Sofortüberweisung

• Bank transfer•Amex•Visa• Mastercard• Jcb• Solo

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• Poste Pay• Carta C• Visa Electron

• Bank transfer• Amex•Visa• Mastercard• Jcb• Diners Club• Cheque• Carte Bleue





• Amex•Visa• Mastercard• Jcb• Diners Club




• Amex•Visa• Mastercard• Jcb• Diners Club • Bank transfer



• Bank transfer• Visa• Amex• Mastercard• Jcb• Diners Club

• Bank transfer•Amex•Visa• Mastercard• Jcb• Diners Club


• Bank transfer• Amex•Visa• Mastercard• Jcb•ClubDiners




•Amex•Visa • Mastercard• Jcb• Diners Club• Bank Transfer (coming soon)

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Moneybookers’ E-Wallet enables...• Consumers to send money to each other

• Only email and password are required for a secure, convenient and high conversion payment transaction

• Merchants to receive money from customers instantly

• Affiliates to receive and distribute funds

• Auction platforms to process money between the participants

Moneybookers: E-wallet and Quick Checkout Payment Gateway

Go shoppingGo shopping

Send moneySend money

6

Moneybookers’ Quick Checkout enables...

• Direct processing of all local payment options

• Gateway integration per iframe

• Adaptable look and feel

• High conversion

• “One-click” payment

• Instant status reports

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7




4 Banking 2.0: Trends and Key Drivers

Agenda

5 Contact

Market Highlights and Trends in Europe:

• Market is growing with 25% per annum and to 300 billion in 2009• Biggest segments are Travel (38%), Clothing(11%) and Media(10%).

E-Commerce Revenues in Europe: Total growth to $ 300 billion in 2009!

8

The payment market becomes more and more fragmented!

9

Credit Card payments dominate the global online payment sector by far (59%)

E-Wallets make up already 12% of the global online payment market

Source: EuPD Research, E-Commerce 2007

Breakdown of preferred local payment methods (globally)

E-Wallet

COD – Cash on Delivery

Bank Transfer

Credit Card

Debit Card

Money Transfer

Postal Transfer

Cash Paid in Person by the Buyer

Payment Through a Convenience Store

Cash in the Mail

Pre-Paid Card

Other Method

In Germany Credit Cards make up only a small part of payment methods used for shopping

10

Bank transfer (69%) and Direct Debit (54%) are the most widely used payment options in Germany

Cash on delivery is still more widely used than payment via Credit Cards (only 40%, but growing)

Online bank transfer services (Giropay, Sofortueberweisung) and E-Wallets are on the rise

Source: EuPD Research, E-Commerce 2007

Breakdown of preferred local payment methods (Germany only)

Instant payment/bank transfer

Low transaction costs

All currencies supported

All local payment options

No need for local bank accounts

One integration

Risk profiling and fraud control

E-Wallet

...

Traditional Banks

Very fragmented environment Focus on local activities Traditionally slow and complex Need to open local bank accounts Various interfaces, high cost

Internet Payment Options Huge fragmentation Multiple integrations necessary Numerous contracts required

Banking 2.0: Overcoming fragmentation and complexity of the banking and payment industry to enable growth!

11

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http://www.ricardo.ch/

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12





Agenda

5 Contact

1313

Micropayments on the Rise

News / Articles News / Articles

En

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ain

men

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ent

Online PublishingOnline Publishing

MusicMusic

Video/DVDVideo/DVD

Games / MMOPRG’sGames / MMOPRG’s

CommunicationCommunication

Tra

dit

ion

al P

aid

Co

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Tra

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Mobile ContentMobile Content

Technical LiteratureTechnical Literature

PicturesPictures

The micropayments sector experienced a great shift in demand through new online consumption in recent years:

http://images.google.com/imgres?imgurl=http://www.voipservicelist.com/content/binary/globe7-logo.gif&imgrefurl=http://www.voipservicelist.com/CategoryView,category,United%2BKingdom%2BVoIP%2BService.aspx&h=60&w=120&sz=3&hl=en&start=1&um=1&tbnid=SBSKzzZSnDtrsM:&tbnh=44&tbnw=88&prev=/images%3Fq%3Dglobe7%2B%252B%2Blogo%26svnum%3D10%26um%3D1%26hl%3Den

http://images.google.de/imgres?imgurl=http://upload.wikimedia.org/wikipedia/de/thumb/6/65/Jamba%21_Logo.svg/800px-Jamba%21_Logo.svg.png&imgrefurl=http://de.wikipedia.org/wiki/Bild:Jamba%21_Logo.svg&h=283&w=800&sz=57&hl=de&start=3&tbnid=6m27SY2pGaTEKM:&tbnh=51&tbnw=143&prev=/images%3Fq%3Djamba%26gbv%3D2%26hl%3Dde%26sa%3DG

http://images.google.de/imgres?imgurl=http://www.wirelessfibre.co.uk/Images/presspix/publication%2520logos/financial_times_logo.gif&imgrefurl=http://www.wirelessfibre.co.uk/press.htm&h=100&w=200&sz=2&hl=de&start=1&tbnid=czh_B23vmRz5zM:&tbnh=52&tbnw=104&prev=/images%3Fq%3Dfinancial%2Btimes%2Blogo%26gbv%3D2%26hl%3Dde%26sa%3DG

Traditional Payment New Payment

Payment without revealing credit-card/banking details

Quick check out – no need to retype any details

Instant payment (send and receive)

Bank account aggregation, support of multiple payment

options/ various credit cards

The E-Wallet - The safest and quickest way to pay

Low Conversion Rate High Conversion Rate

Higher Revenue

Fear of security leaks

Reservation to enter sensitive data esp. for

smaller values

Phishing attacks

Limited Growth Potential

The rising importance of Micropayments emphasizes security concerns in traditional online payment!

14

15





Agenda

5 Contact

16

Banking 2.0: Trends and Key Drivers

Trend 1: Globalization of websites• Local businesses start selling globally• Domestic customers move money globally (International

money transfer/remittance)

Trend 2: Rise in identity theft and payment fraud• Protect your margins!• Manage payment risk locally! (Scoring models, Blacklists,

local BIN databases, IP checks, Device tracking, Fraud algorithms)

Trend 3: Emergence of new business models• ‘Pay!’ (Social gifting/charities)• ‘Micro Pay!’(Virtual goods, MMOGA)• ‘Pay Out!’(User generated content)• ‘Pay me back!’(P2P payments)

http://images.google.co.uk/imgres?imgurl=http://krijnen.com/pics/youtube.gif&imgrefurl=http://krijnen.com/archives/000513.shtml&h=338&w=367&sz=37&hl=en&start=3&tbnid=3izKlbjtzTFgZM:&tbnh=112&tbnw=122&prev=/images%3Fq%3Dyoutube%26gbv%3D2%26hl%3Den

17





Agenda

5 Contact

18

Contact

www.moneybookers.com

Martin OttCo-CEO

Phone: +44 207 608 8462Fax: +44 207 608 1603 Mobile: +44 782 520 4850 [email protected]

Moneybookers Limited Welken House · 10-11 Charterhouse Square London EC1M 6EH UK

Martin OttCo-CEO

Phone: +44 207 608 8462Fax: +44 207 608 1603 Mobile: +44 782 520 4850 [email protected]

Moneybookers Limited Welken House · 10-11 Charterhouse Square London EC1M 6EH UK

internet world, london 29 april 2008 banking 2.0 and the rise of virtual wallets

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comprehensive payment

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