Innlegg Varehandel Raymond

Betaling i varehandelved Raymond Klavestad

Betalingsdagen 2010, 8 Juni

2

Betaling på tvers av kanaler

Fysisk butikk, transport, langs vei Internett og mobil

Markeder

Verdiøkende tjenester

Konvergens

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Betalingsprosesser tilpasses de ulike bransjer

Convenient ElektronikkBensin

TransportHotell & restaurantDetaljhandel

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http://www.jysk.no/

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http://fara.no/index.php

http://q8.dk/

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Varehandel og betaling i nye kanaler …

Varehandel mellom personer

Bedrift til person

Mobilapplikasjon for reisende

Bestill og betal for billetter direkte fra mobilen

Betaling på fly

PCI Complience

Eat24 – automat med mat Betalingskort bedrift

PayEx Mobil GAVEKORTRUBRIKK

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http://spendon.no/kjope/kjope.aspx

http://spendon.se/lf_mastercard

Varehandel i et nordisk perspektivVarehandel i et nordisk perspektiv

Det nordiske markedet

DKK

NOK EURO

SEK

INKASSO

INKASSO INKASSO

INKASSO

Kreditsjekk

Folkeregister

Kreditsjekk

Folkeregister

Kreditsjekk

Folkeregister

Kreditsjekk

Folkeregister

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http://www.bankid.no/index.db2

http://www.tele.fi/

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http://manison.infoweb.as.tietotalo.fi/Suomeksi.iw3

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http://www.sonera.fi/

http://www.sonofon.dk/

http://www.alandsbanken.fi/info/content/fi/

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http://www.terra.no/

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Nordisk infrastruktur for kortinnsamling

KassePosPay Klient

Prosessor

brukersted hovedkontor

Bank/innløser

Tjenester Gavekort Verdikoder Betalkort Lojalitet Kupong Ladekoder Finansiering

$

ABC45 123 TH E

ABC 34R

Nettbetaling

Payment Service providerIntegrasjonspartner

PAYEX

http://www.swedbank.no/sst/inf/out/infOutWww1/0,,32442,00.html

http://www.teller.no/pls/portal/url/page/teller


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http://images.google.se/imgres?imgurl=http://www.audiovision.dk/Betaling-kort/dankort.gif&imgrefurl=http://www.audiovision.dk/betaling_med_kort_how_to_ordre.htm&h=141&w=230&sz=3&tbnid=H2pOllyU0STfTM:&tbnh=63&tbnw=103&hl=no&start=3&prev=/images?q=dankort&svnum=10&hl=no&lr=





http://www.cekab.se/Default.aspx

PayEx leveranseplattform som PSP

PayEx

Backoffice

Bank og kredittkort

Innløsere /Banker

Operatører /Prosessorer

Distributører /PartnereØkonomi

avdeling

Direktebank

Faktura

Verdikoder

Bransjekort

Småpengekonto

Mobil betaling

Finansiering

Terminaler

ABC45 123 TH E

ABC 34R

$• Avstemming• Oppgjør• Cash Management

$$

GRENSESNITT

FLEKSIBILITET

VALGFRIHET

NORDISK

3-part /leverandører

Verdiøkendetjenester

Brukersted

http://images.google.no/imgres?imgurl=http://www.webpro.no/bilder/logo_elkjop.gif&imgrefurl=http://www.webpro.no/n_elkjop.html&h=48&w=168&sz=2&hl=no&start=9&sig2=sBBTJOPZtyvG4hqg8DlRRw&tbnid=XEe5Cd545pjcrM:&tbnh=28&tbnw=99&ei=pZm-R4OSCI7-wgH2592MDQ&prev=/images?q=elkj?p&gbv=2&hl=no

http://images.google.no/imgres?imgurl=http://www.lefdal.com/is-bin/intershop.static/WFS/store-lefdal-Site/-/nb_NO/mesip/images/logo.gif&imgrefurl=http://www.lefdal.com/is-bin/INTERSHOP.enfinity/WFS/store-lefdal-Site/nb_NO/-/NOK/El_DisplayProductInformation-Start?ProductID=iePD4QFHjhAAAAEcXlUdx29f&h=48&w=151&sz=2&hl=no&start=3&usg=__lRtd0PSAluoJ673bTWeGZMadzwc=&tbnid=GMGV6-tcXlo5LM:&tbnh=31&tbnw=96&prev=/images?q=Lefdal+logo&gbv=2&hl=no

http://images.google.no/imgres?imgurl=http://www.tomtom.com/lib/img/shops/Elgiganten_logo.jpg&imgrefurl=http://www.tomtom.com/stores/type.php?ID=2&Language=1&Country=203&h=22&w=160&sz=28&hl=no&start=105&usg=__AxnpN4TAeCJpaFBh6FPqcN6lryM=&tbnid=-8TABXeCwhyPXM:&tbnh=13&tbnw=98&prev=/images?q=elgiganten&start=84&gbv=2&ndsp=21&hl=no&sa=N

http://images.google.no/imgres?imgurl=http://www.masterd.es/masterd/images/colaboradores/logo_pccity.png&imgrefurl=http://tantoche.blogspot.com/2008/01/si-dell-ahora-en-pc-city.html&h=98&w=200&sz=5&hl=no&start=8&usg=__IwpBP6P-44gHDbnxFYWTQph23Rk=&tbnid=b9K6J66wXbkn_M:&tbnh=51&tbnw=104&prev=/images?q=PCCity&gbv=2&hl=no

http://www.markantalo.fi/is-bin/INTERSHOP.enfinity/WFS/store-markantalo-Site/fi_FI/-/EUR/Storefront-Start;pgid=Ak2z6oZKgYFSR0EBRoN2dOJo0000aGN3FMaA;sid=ZRLvlZn40WPtldEVnecmk3g7NqfRdKmdbsk=

http://www.gigantti.fi/is-bin/INTERSHOP.enfinity/WFS/store-gigantti-Site/fi_FI/-/EUR/Storefront-Start;pgid=D6ez6oZKCVlSR0EjF5FBwx1q0000swW5YIDh;sid=EYNDxgApoM1BxkjE6PyJwOHq5EF2kwGkAMU=

Oppsummering

Sikkerhet og sertifiseringer en forutsetning PCI, EMV, Visa Best Practices, ….

Verdiøkende tjenester mer i fokus Gavekort, verdikoder, kuponger, finansiering …

Betalingsløsninger tilpasses bransje og kanal Funksjonalitet, flere betalingsvalg, integrasjon

Fleksibilitet og valgfrihet i verdikjeden Uavhengighet, samarbeid mellom aktører

PayEx har etablert seg som en nordisk PayEx har etablert seg som en nordisk Payment Service ProviderPayment Service Provider

PayEx vil i 2010 prosessere mer enn PayEx vil i 2010 prosessere mer enn 250 millioner transaksjoner for våre kunder250 millioner transaksjoner for våre kunder

innen internett, mobil og varehandelinnen internett, mobil og varehandel

PayEx ser at brukerstedene stadig etterspør flerePayEx ser at brukerstedene stadig etterspør flerebetalingsalternativ og verdiøkende tjenesterbetalingsalternativ og verdiøkende tjenester

Economy & Finance

Innlegg Varehandel Raymond