Eestel atelier cartes 2013 - 2013-11-20

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Présidence d'EESTEL - tel : + 33 1 46 62 91 00 – [email protected] 1

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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Association of

European Experts in E-Transactions Systems

Expertise & Services

Eric Nizard

President


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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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Market trends for mobile payment:

remote versus proximity payments

François Lecomte-Vagniez

Partner, LOBARY

A member of EESTEL

+33 681 494 944

[email protected]


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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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Mobile Wallet to be Simple and Trusted


Pierre Françon

Partner, QUAELYS

A member of EESTEL

[email protected]

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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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Market trends for mobile payment:

remote versus proximity payments

Benoit Delestre

CEO, SCCP Europe

A member of EESTEL

+33 1 43 47 35 27

[email protected]


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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



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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