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Marcel Roelants - SEQR @SEQRnl
WHAT WILL MAKE MOBILE PAYMENTS CHANGE THE GAME?
SHOPPING MOBILE AS EASY AS BRUSHING YOUR TEETH?
(Source: 60SecondMarketer.com, The Meeker Report 2013, ImpigeMobileStrategy.com 2011, Statista/Google Our Mobile Planet 2013)
HOW PEOPLE USE MOBILE TODAY
7B people 4B mobile phones 3B toothbrushes
90% new phones are smartphones
150 times / day looking at phone
74% using phone for shopping
26 apps per person
shopping still only 12% of mobile use
PREDICTIONS ON THE NEXT BIG INDUSTRY
(Source: Garner 2013, Juniper Research 2014, GfK Retails & Technology, Nielsen´s Q2 2014 Mobile Wallet Report)
69% would become loyal users if retailers offer rewards while paying
Mobile coupon users to pass
1B by 2019
Mobile transaction $720B with more than 450M users by 2017
2013 2014 2015 2016 2017
TODAY MAJOR PLAYERS LOOKING TO FIND SWEETSPOT
Source: PYMNTS.com
Webster’s Habit-‐Forming Payment Theorem
Willing
Able
High
High
Low
Low
Lost Opportunity
Nirvana
Uphill Ba@le Hopeless
Webster’s Habit-‐Forming Payment Theorem leverage consumer habits
all smartphones download app
pay-button scan QR
PIN pay from account
STARBUCKS MOST SUCCESSFUL SO FAR
Able
TECHNOLOGY NEEDS TO DELIVER BENEFITS TO CONSUMER & MERCHANT
Customer Retention - Increasing Competition - Regulation
Cost - Revenue - Customer Relation
CONSUMER
MERCHANT
BANK/ISSUER
Convenience - Rewards - Security
WHY MOBILE PAYMENTS?
TAKE THE STARBUCKS EXAMPLE
all smartphones download app
pay-button scan (QR)
PIN pay from account
SEQR WORKS THE SAME WAY FOR ALL MERCHANTS
•
CONNECTS TO ANY BANK ACCOUNT THROUTHOUT SEPA
Select the preferred payment method
Tap gray bar at top of screen in SEQR default menu
Item bought and invoice shows in
phone
Amount deducted from bank account
€ 200,00 SEPA Direct Debit € 193,06
SEPA Debit Debit ü
Promotes innovation Incentives / Loyalty opportunities
Low risk, high visibility Partnership opportunity
No hardware Lower transaction fees
Omnichannel Consumer acquisition opportunities
Zero integration costs Increased sales
CONSUMER
MERCHANT
BANK/ISSUER
Convenient Secure
Loyalty programs & cash-backs Fast
Pay with your smartphone
SEQR TICKS ALL THE BOXES!
MAXIMIZES TECHNOLOGY USE
SEQR - A SMARTER WAY TO PAYSEQR WORKS ON ALL SMARTPHONES
Pay instore
NFC P2P
QR-code
Offers/Coupons
Punch cards
No investment
Loyalty cardsParking
Detailed Digital Receipt
Giftcards
Pay online
GOOGLE WALLETWORKS ONLY ON NFC ENABLED ANDROID
Punch cards
Giftcards
Parking
No investment
Digital Receipt
Loyalty cards
Offers/Coupons
Pay instore
NFC
P2P
Pay online
APPLE PAYWORKS ONLY ON NFC ENABLED iPHONES
P2P
QR-code
Punch cards
Pay online
Giftcards
Parking
No investment
Digital Receipt
Loyalty cards
Offers/Coupons
Pay instore
NFC
PAYPALWORKS ONLY ON NFC ENABLED SMARTPHONES
Punch cards
Giftcards
Parking
No investment
Digital Receipt
Loyalty cards
Offers/Coupons
NFC P2P
QR-code Scan by POSPay instore
Pay online
SEQR - A SMARTER WAY TO PAYSEQR WORKS ON ALL SMARTPHONES
Pay instore
NFC P2P
QR-code
Offers/Coupons
Punch cards
No investment
Loyalty cardsParking
Detailed Digital Receipt
Giftcards
Pay online
(ONLY IN CERTAIN MARKETS)
• Significantly lower transaction fees
• No hardware investments
• No fixed fees
• Faster payments à Higher consumer turnover
• SEQR Offers à Customer acquisition
• Connect existing loyalty programs
• Open up new sales channels
LOWER COST INCREASED REVENUE
PROFITABILITY FROM DAY 1 ∞ ROI
BRINGS BENEFITS TO MERCHANTS
&
Card payment
SEQR payment
MERCHANT CARD TERMINAL FEE
PAYMENT PROCESSOR FEE
MERCHANT SERVICE CHARGE
CARD NETWORK FEE INTER-CHANGE FEE
SEQR reduces the merchant service charge (MSC) and eliminates the payment processor fee
CUT OF MSC MERCHANT ACCOUNT ISSUER
19
LOWERS COST AS THERE ARE LESS INTERMEDIARIES
MORE THEN PAYMENTS FOR CONSUMERS
SCAN/TAP TO PAY
PERSON-2-PERSON TRANSFERS
DIGITAL RECEIPTS
SEQR OFFERS & CASHBACKS
OFFERS ARE DRIVING STORE REVENUE
Usage of SEQR offers has increased exponentially
Total amount of used SEQR offers. Strong indications amount correlates with increased turn-over and more active users.
Jan Feb Mar Apr May Jun Jul Aug Sep Oct
DIRECT MAIL NEWSPAPER TV BILLBOARD
TRANSFORMING ANY MEDIA INTO
A POINT OF SALE!
SHOP ON THE SPOT
REDUCES ABANDON RATES
DELIVERED PAY & SCAN
No payment information to store No need for PCI
QR/NFC codes are unique per POS SEQR guarantees pay-out (SCT)
CONSUMER
MERCHANT
No payment information send No information stored on the phone
All payments with PIN SEQR responsible to collect (SDD)
SEQR AND MORE SECURE
PERSONAL RECORDS safe with SEQR according to the Swedish public authority data inspection board
Pay with your smartphone
MOMENTUM BUILDING
SWEDEN Since 2012
ROMANIA Since 2013
FINLAND Since 2014
BELGIUM Since 2014
PORTUGAL Since 2014
over 600,000 users at more the 6500 stores shopping with SEQR today
SHOPPING MOBILE AS EASY AS BRUSHING YOUR TEETH?
PAY WITH SEQR – SCAN, PAY, DELIVERED
Oral €62,94 Tandenborstel Totaal €62,94
JOIN THE EVOLUTION the future belongs to those who evolve
Get SEQR today!
SEQR.com/nl facebook.com/SEQRnederland
@SEQRnl
