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The Channel
The Channel
•58% of all Greece internet is through mobile (!!!), It was
38% eight months ago
•55% of retailer app impressions are served within
the physical store, this is why WIFI is a becoming
commodity
•40% increase of app usage for 45+ of age over
the last 8 months
eCommerce is still small
source: emarketer 2014 US Market
Same with mCommerce
source: emarketer 2014 US Market
Commerce is offline
source: emarketer 2014 US Market
InStore
source: emarketer.com gartner.com
First Steps In Greece ?
Already Established!
Works for specific industries such as:
food delivery (>10K daily), travel industry(3x growth over the last 24 months), MNO Self Care (>80% of active user top up), ticketing and coupons will follow.
Resistant to change Value Chain
Early 2016
Case of Apple Pay
War of Formats Ended
•NCF POS Retailers are ready•Apple finally adopted NCF•EFT POS is moving into the cloud • Mobile Penetration is massive for high
disposable income consumers!
The Replication
How one geographically replicates a business
model in fintech ?
EFT POS and ECR
EFT POS and ECR is the new IoT infrastructure playground that all fintech can target. Unified deployment base at
scale, that can solve EU and MEA region fragmentation issues
Value Added Services
•Coupons - Suppliers•Lottery •Loyalty •Pre-Paid•Coalition Schemes
Market Size
$ 110M is the loyalty benefits market per year in Greece. Some of the channels
especially retail business are performing as low as <10% in redemption. An open data initiative would result in result on at least
a $500M per year, only by increase of redemption (!!!)
Bitcoin Adoption
Via MC/VISA prepaid cards it is easy to have real world
payments, no merchant integration needed
#truedisruption
Bitcoin is a Commodity
bitcoin’s first major price shift was
triggered by CY bail in
The Data
2.9M unique devices
2.3M unique users
Brands are used to pay for data
65%of media buying through programmatic,
exploiting 3rd party data sources
a new kind of identity
-advertising id -email
-CCN/CI- device fingerprint
One Wallet to Rule Them All
•OS Providers•OEMs
Large Markets
•Retail Banks •Online Banks•Retailers •MNOs
Smaller and Emerging
Legislation
- FTC Fair Information Practice - California Online Privacy Protection Act(OPPA) of
2003 - COPPA rule - Personally Identifiable Information [PII] - The UK Privacy & Electronic Communications (EC
Directive) Regulations 2003 - Directive 2002/58/EC (the E-Privacy Directive) - Right to be Forgotten Ruling C-131/12 - E-Money Directive - E-Invoicing Directive
Future of a Flat World
Transact Distribute Legal Consensus
