Eestel atelier cartes 2013 - 2013-11-20
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Transcript of Eestel atelier cartes 2013 - 2013-11-20
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EESTEL : 5 keys to succeed in Digital Wallets
November, 20th, 2013
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Agenda
• EESTEL Introduction
Eric Nizard, President, EESTEL
• Market trends for mobile payment: remote versus proximity
payments
François Lecomte-Vagniez, Partner, LOBARY – EESTEL expert
• Mobile Wallet to be simple and trusted
Pierre Francon, Partner, Quaelys – EESTEL expert
• International standards emerging
Benoit Delestre, CEO, SCCP Europe – EESTEL expert
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EESTEL : 5 keys to succeed in Digital Wallets
Association of
European Experts in E-Transactions Systems
Expertise & Services
Eric Nizard
President
November, 20th, 2013
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The Fundaments
•Smart Cards
•Terminals
•Mobiles
•Networks
•Acquisition, withdrawal, issuing, authorization
•Security of transactions and systems
•Dematerialization
Specialists of E-Transactions Systems
•Services Architecture and Functional approach
•Technologies et technical Architectures
•Projects Management – Testing – Approval – Certification
•Training session (with the « EESTEL » Catalogue)
Complementary Jobs and multiples Skills
•No financial dependency
•Global Approach
•Ethics
Professionnals
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Markets, Numbers & References
Issuers
E-Payment
Transport Operators, Ticketing
Telcos,
Retail, Loyalty, Gifts
Administrations and Territorial Governments,
Healthcare
IT / CIOs
Smart Card and Mobile Ecosystem
48 Members
References
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Services to members
Monthly Meetings in Paris
Training Sessions / Technical & Market News
Conception and Organization of Conferences, Seminars, Symposiums
Common Projects (R&D & Business)
• Payment– Merchant Services – E-Ticketing
• Identity – Healthcare – E-Administration
• Mobile
• Security
4 working Groups
• EESTEL Brochure, Cards and Badges EESTEL
• www.eestel.com
• Expertise Cartography
• A unified Communication at Cartes 2013
Common and personal Enhancement of the Members
• Training sessions via a common Training Catalogue
• Services : a Catalogue of common Services, common customized Business Offers
A unique Offer
The ESTE Expertise Label (Expert in E-Transactions Systems)
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EESTEL Members on November 14th 2013
Active Members: SMEs (28)
• 2icones
• 4GSecure
• AO Concept
• BacTech
• Decode Consulting
• DP Consulting
• Ecosix
• Ekosys
• Flash iZ
• Idaho Consulting
• Ingélis
• Ionosys
• Istium
• LIC (L’INFORMATIQUE COMMUNICANTE)
• LOBARY
• Mercury Technologies
• Netheos
• NFCTech
• Open Pass
• Pemance
• Pôle Consulting
• Pradeo
• Quaelys
• Realex Payments
• Smart Consulting
• Smile’nPay
• Sofie
• Z#bre
Active Members: Independent Experts(11)• Blaise Imbert
• François Brion
• Philippe Coiffard
• Claude Meggle
• David Naccache
• Jean-Claude Pailles
• Alain Potier
• Xavier Joffrin
• Philippe Coulot (Oxatis)
• Jean-Luc Pellegrinelli (JLPI)
• Maître Pierre Storrer
Associated Members (7)
• APECA
• CONCERT International
• FNTC
• Pôle Finance Innovation
• Pôle TES
• BULL sa
• MONEXT
Users College (2)
• Banque Palatine
• Sodexo
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•Eric Nizard
President
•Benoît Delestre / Olivier Détour
Treasurer / Trésorier adjoint
•Robert Fargier
Secretary
•Pierre Crego (Training and E-Transactions Jobs)
•Bernard Morvant (Business Development)
•Eric Laurent-Ricard (relations with Institutions)
•Cyril Deflesselles (web site and communication)
•Didier Hallépée (ESTE Label)
Activity Leaders
•4, rue Alfred Kastler - 14000 Caen - France
•Email : [email protected]
•Tél. +33 (0)1 46 62 91 00
•Fax +33 (0)1 46 62 63 26
•www.eestel.com
Contacts
Bureau 2013
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Key #1 : Value of Experience
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EESTEL : 5 keys to succeed in Digital Wallets
Market trends for mobile payment:
remote versus proximity payments
François Lecomte-Vagniez
Partner, LOBARY
A member of EESTEL
+33 681 494 944
November, 20th, 2013
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Mobile centric customer’s relations
Deliver
the promiseLeverage
social impacts
Catch the
winning instant
Get attention
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ProximityDigital
Remote Mobile or Hyper Local relations ?
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© Gabs – Clients, y’en a marre
Big data marketing challenges
« Come on! I’m the customer : guess what I want, and quick! I’m in a hurry !!!
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Payment and consumption desynchronized
• Paying first, consuming later– Prepaid purchases (vouchers), gift card, …
• Consuming and paying at the same time– On the web :
Remote Payment.
– In shop :
Proximity payment « card present » : EMV or private
Prepaid payment services
– In shop and on the web
Convert loyalty points to cash.
Coupons, discount, deals, etc.
• Consuming now, paying later– Credit payment
Pre-autorized revolving credit.
Simplified KYC (Know Your Customer)
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Customer’s mobile payment balance
Convenience Security
Scoring
Cost
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EMV
Scheme Online/Offline
transaction
Online
transaction
Online
platform
Mobile payment : in-shop convergences
AcquiringIssuingWALLETS m-POS
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Mobile Payment… What else ?
Mobile interactions change (almost) everything in a commercial relation
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Key #2 : Seamless customer journey
online/offline
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EESTEL : 5 keys to succeed in Digital Wallets
Mobile Wallet to be Simple and Trusted
November, 20th, 2013
Pierre Françon
Partner, QUAELYS
A member of EESTEL
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MW attributes
• Confusion
=> Types of e-wallets
• Open to the world
=> In and Out
• Enriched
=> Not only payment
• Be good on all aspects
=> The major challenge
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Types of e-wallets - what
• Payment method vs. payment solution
• Solution = secured container of payment methods
• Card / Direct debit / Credit transfer / e-money
• Method = “scheme”
• e-money = private 3 corners scheme
=> e-money based e-wallet means payment method
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Types of e-wallets – what for
• Usages
• P2P
• P2P when mobile
• Online
• Online in mobility
• Face to face
• Contactless face to face with a mobile
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Types of e-wallets - how
• Mobile vs. cloud based vs. local
• Mobile
• App
• Embedded secure element (SIM / SD card …)
• Online (cloud based in fact)
• Could based = hosted somewhere
• Could be accessed thru mobile (in-app or not)
• Local = software-based
• Not so secured!
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Openness - IN
• Need to feed the payment method
• Prepaid
• Card
• SDD
• SCT (integrated into home banking)
• Gateway
• Postpaid
• SDD
• Card
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Openness - OUT
• Need to pay in real world
• Communication
• NFC
• QR code
• General virtual card into mobile
• Visa
• MasterCard
• Gateway
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Full success
[ No need to pay as before thru a new system! ]
• Consumer
• Optimized customer journey
• Better control
• Loyalty
• New usages
• Lower fees
• Higher trust/confidence & security
• Merchant
• Integration into ordering
• Lower fees
• Higher guaranties
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Enriched
• Be good on all aspects
• Issuing
• Activation
• Merchant acceptance
• Merchant promotion
+ Processing + security + fraud management …
• No need to be perfect on 1 and bad on another
Do math : Success = multiply % [Thought]
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4 Key keys
Targeted
Openness
Not just payment
Good on all
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Key #3 : Simplicity of use
with rich contents
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Key #4 : Trust
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EESTEL : 5 keys to succeed in Digital Wallets
Market trends for mobile payment:
remote versus proximity payments
Benoit Delestre
CEO, SCCP Europe
A member of EESTEL
+33 1 43 47 35 27
November, 20th, 2013
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What we do
A white label operator
empowering
community
What the market needs
B2B players providing
full white label and
end-to-end solutions
(customized, flexible, scalable, secure, local)
Our added value
Turn-key solution used for
customer relationship,
payment, big data
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Key #5 : Open ecosystems and standards
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Conclusion
EESTEL : 5 keys to succeed in Digital Wallets
November, 20th, 2013
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Conclusion
EESTEL : 5 keys to succeed in Digital Wallets :
1. Value of Expertise
2. Seamless Customer Journey online/offline
3. Simplicity of use, with riche contents
4. Trust
5. Open ecosystems and standards