nets day 2014 finland olli nets card management service_nets
TRANSCRIPT
NETS CARD MANAGEMENT SERVICE Modern and cost efficient services
10.9.2014 Sakari Olli, Issuing Business Solutions, Senior manager
Exponential increase of payment methods How to complete against new players?
Physical Online Mobile
2003 2009
2000
2007
2003
2005
1950 1960 1980 2020 1970 1990 2000
Sustainable advantage for 2020
DIFFERENTIATION
ADAPTATION
EFFICIENCY
INNOVATION
AGILITY
OPTIMISATION AND SIMPLIFICATION
Baseline today
Baseline in 2020
Leaders in 2020
SOURCE: ACCENTURE
Components of Nets Delivery
NETS ISSUING PROCESSING PLATFORM
SMART CARD DATA MANAGEMENT,
CHIP & PIN, CONTACTLESS
FRAUD PREVENTION SYSTEM
TSM/WALLET SOLUTION
CARD MANAGEMENT SYSTEM
PROCESSING CENTERS/
BANK INTERNAL SYSTEMS
INTERNATIONAL CARD SCHEMES
3D-SECURE SOLUTION
PIN-MANAGEMENT SYSTEM
AUTORISATION TRANSACTION
INTERFACES WITH CARD MANUFACTURERS
SUPPORTED BY NETS
Interface Optional component
Better Customer Experience
“How to tailor products and services to individual customer experience to keep customer attention.”
Better personal control to card features and functionality
Contactless payments
Campaigns
Mobility Support for issuer innovations
“Customer behavior analysis, new business model, partners and continuous improvement.”
Big data analysis Partnerships Loyalty Flexible fee engine
New Revenue Streams
“Superb operations and execution with good quality at a very competitive price.”
Compliance costs in control Fixed price for card scheme and local compliance
Better support for end-to-end processes and value chains
From Web application to invoice archive
Online fraud prevention
Detect fraudulent transactions earlier
One partner for most of the card related services
Simple interface and clear responsibilities
Better time-to-market with an external partner
Bank’s limited development resources
Chance to improve
Customer Value and Nets Offering
COST EFFICIENCY
TIME TO MARKET
Future proof low risk solution • Compliant services e.g. PCI DSS, Nordic
legislations • Low risk operations • Nets SLA commitment
COMPLIANCE
One platform for all cards • Consolidating card and loan solutions • Instalment and consumer loans • Bigger volume – lower costs • Complex product combinations and rich
functionalities
Integrated card processing solution • Local partner – commitment to customer needs
and development roadmap • Easy differentiation – pricing, features and
functionalities • Easy tailoring – flexible differentiation
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Customer Value and Nets Offering
FLEXIBILITY
IN CONTROL
• Several products under the same contract • Flexible features for card accounts and loans • Self-selected PIN • Multi channel solution enables the cardholder to choose the best
communication channel at any given time
• Customised card features by rule driven pricing enable the cardholder to gain advantages by increasing the basket size
• The cardholder optimise the cash flow by selecting different payment schedules
• The advanced security features (e.g. geographical blocking and online card status) reduce time cardholder is spending on unauthorised transactions and card management
OPTIMISATION