2013 05 07 Exploring prepaid in the nordics

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CAC Conference – Copenhagen 07.05.2013

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Exploring prepaid in the Nordics

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CAC Conference – Copenhagen 07.05.2013

Agenda

• Background and market size

• Some success stories

• Prepaid in the new contactless and mobile world

• Some conclusions

Exploring prepaid in the Nordics

Our story

Making a difference in the Nordics

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CAC Conference – Copenhagen 07.05.2013

Close to our customers

50 cities with capacity to deliver

11 regional offices with specialistcompetencies

Cultural affinity

”Local” language

Business made easy

Diversity and business agility

Empowered local management

Enthusiastic and motivated employees

Delivery models for any segment

Meeting the needs and expectations of Large and SME customers

Critical importance for society as a whole

Banking & finance

Public sector

Shareholders

Posten 40%

Telenor 30,2%

Listed at Oslo Stock Exchange since 1995

100+ employees

Sweden Stockholm

Norway Oslo, Trondheim, Bergen, Mo I Rana

Finland Helsinki

Denmark Copenhagen

UK London

We are where our customers want us to be!

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EVRY CARD presence

Pay before Pay now Pay later

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Closedloop

PrivateLabel

RestrictedLoop

OpenLoop

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Denmark

Finland

150

135

Sweden 120

Norway 113

365

330

468

334 40.215

53.074

54.651

44.457

Avg. card usage per year Avg. card spendingNOKNo.of transactions per card NOK

Avg. card spending per year

Kilde: Visa Datamonitor, Country statistics for cards 2011

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Estimate prepaid market size 2015 – NOK 170 billion

Sverige Danmark Finland Norge -

20.0

40.0

60.0

80.0

100.0

120.0

140.0

160.0

180.0

37.7

30.8

34.7

67.0

170.2

Visa Europe Prepaid Market Sizing Study 2011, prognosis 2015

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CAC Conference – Copenhagen 07.05.2013

6,9 7,7 6,5

21,64,6 6,5

7,7

4,0

13,1

6,28,5 8,5

20,0

Finland

21,6

Denmark

17,9

Sweden Norway

42,4

Prepaid private market in 2015 – NOK 100 billion

Travel/Gift/etc

Gaming

General purpose

I mrd NOK

Visa Europe Prepaid Market Sizing Study 2011, prognosis 2015

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3,9 3,1 3,43,5

4,53,1 2,5

2,3

6,9

4,6 4,6

14,6

23,1

2,7

NorgeSverige

17,0

1,7

Finland

12,2

1,7

Danmark

12,3

1,5

Prepaid corporate market in 2015 – NOK 65 billion

Benefits

Incentives

Wages

Other

I mrd NOK

Visa Europe Prepaid Market Sizing Study 2011, prognosis 2015

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• There is a Market for niche players

• There is a need amongst corporate clients for prepaid

• Prepaid can stimulate innovation

• EVRY can be your partner exploring prepaid opportunities

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ConclusionsExploring prepaid in the Nordics

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Embraceinfinite opportunities.We live in a world that's changing rapidly, in which the pace of change is accelerating all the time. But with change comes an infinite range of new possibilities. We remain open to every opportunity, constantly seeking out new challenges and new solutions that help to build our customers' businesses and benefit the wider community.

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