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50 SHADES OF PAY A changing payments world

05.11.2015

Kristian T. Sørensen, Stategic Alliances & Market Development, Nets

Board member,

1 Twitter.com/KristianT

Payments = Pain!

2

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MAKING PREDICTIONS

To add preformatted bullets,

click the Home tab and

select Increase List Level

Click Decrease List Level

to return to the

previous list design

Some stick to what they know

To add preformatted bullets,

click the Home tab and

select Increase List Level

Click Decrease List Level

to return to the

previous list design

Others think outside the box

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THE LONG ROAD TO MOBILE

CONTACTLESS PAYMENTS

7

Settling on technology – the long road for NFC

Apple’s main contribution?

8

85 percent of

smartphone owners

see the benefit of

storing mobile

wallet content on

their phones.

“The success of Apple Pay so far lies not in the technology or the solution, but in the fact that Apple has managed to create a desire for

mobile contactless payments with consumers”

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When did Apple first show a prototype

of payments on a phone?

2013

2003

1993

1983

9

Concept for payments on a phone using a touch screen (and bank infrastructure…)

Apple Pay anno 1983

10

Issuers and merchants should adopt a multitier strategy to ensure reach

Payment Varieties

11

Comparing the three ”OEM Pays”

• Reuses existing

integrations (TSM) + TSP

• Magstripe/LoopPay (US)

• >90% acceptance in the US

• TSP integration (schemes)

• M-commerce integration

• ~10% acceptance in the US

• NFC – Near Field Communication

• EMV contactless (existing acceptance infrastructure)

• EMV Co Tokenisation

• International Schemes: Visa, MasterCard, Amex, (Discover)

SAMSUNG PAY APPLE PAY Android PAY

• Embedded Secure Element

• Newest flagship models only (6+)

(Apple Pay works with Apple Watch + iPhone 5)

• HCE - Host Card

Emulation

• Android KitKat & newer

versions

Hardware

control

Wallet/UI Biometrics OS control

Apple iPhones

iPads

Apple Watch

Apple Pay TouchID iOS

Samsung Galaxy phones +

tablets

SmartTV

(Smart Fridge)

Samsung Pay Fingerprint scanner (Tizen OS)

Microsoft Lumia

Surface

Xbox

(HoloLens)

(Microsoft Wallet)

Windows Hello

- Fingerprint

- Iris

- Face

Windows

Google (Glass)

Android1 chip

Nexus phones +

tablets

Android Pay

Google Wallet

Mainly software

control: Fingerprint

scanner in Android M

Android

(Chrome OS)

Power play – Device Control Points

E-commerce

reach

Physical retail

reach

Trx Data control Customer data

control

Apple In-app No control

(iBeacons to be

seen)

Payment data through

banks

(iBeacons to be seen)

Samsung In-app No control To be seen To be seen

Microsoft Back-end

software

(in-app?)

ECR software To be seen To be seen

Google In-app Ingenico

partnership

To be seen It’s Google after all…

Power play – Commerce Control Points

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WHAT’S NEXT?

15

With 50bn connected devices expected in 2020* - connected commerce is the next step after mobile payments

Connected (mobile) devices beyond

mobile phones

* Cisco/Forrester

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THANK YOU Kristian T. Sørensen

Strategic Alliances & Market Development

Mobile Services

17

ktsor@nets.eu +45 2948 2887 Twitter.com/KristianT

@