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2. Set check on Guides

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picture, Pan the picture

3. Hold SHIFT and resize

the picture by draging the

corners of the picture

FUTURE PAYMENTS What are the implications for the merchant?

05.11.2015

Vegard B. Lunde, Product Management POS

Contactless payments

mPOS

Mobile POS

Hardware compliance

Multi-channel payment and identification

POS or POI?

Invoice@POS

Improved UI

New terminal models

Changes that merchant will have to relate to

New Nets MS products

Agenda

The Swedish payment buzzword of 2016

Millions of cards issued

i.e. DNB in Norway issued 600 000 cards alone over 8 months

Apple Pay and Android Pay is moving into Europe, Nordics next?

Simplest solution for users (currently)

No battery needed for low amounts

International market standard

No change required for merchant (potentially change HW)

Nets has ca 12 000 active terminals with NFC enabled

Experience with NFC in several markets (FI, DK, NO, AT, DE)

Simple to activate (can be activated on the fly)

40% of installed Nets terminals in SE can activate

All new Nets terminals are ready for NFC

Contactless

mPOS

mPOS

Cheap, easy, one-stop-shop

Micro-merchants

Small merchants

Nets aim to launch Nordic

mPOS product during 2016

One-stop-shop, acquiring, POS and

terminal on one contract.

Possible for partners to integrate

with mPOS terminal so you can

offer a low-end cheap payment

terminal

The low-end offering

Crop image

1. Click on image to

activate Picture Tools

2. Click on Crop-tool to

change focus on the

picture, Pan the picture

3. Hold SHIFT and resize

the picture by draging the

corners of the picture Experiment

Let customers scan and pay for their

own goods and compare to

traditional “find goods and wait in

line at POS”

Result: Customers spent longer

doing everything themselves, but

were happier and thought they had

spent less time

Lesson: It is all about perception

and not stop-watch timing

Behaviour change

Customers want to save time

Crop image

1. Click on image to

activate Picture Tools

2. Click on Crop-tool to

change focus on the

picture, Pan the picture

3. Hold SHIFT and resize

the picture by draging the

corners of the picture iSMP Companion/i5

BT integrated to mobile device

I5 model allows for iPhone/iPod 5th

gen docking for all-in-one device

Barcode reader

Areas of use

Cue busting

Special treatment of high value

customer

Delivery services

Designed for high-volume retail

Offers all Nets value added features

Mobile POS Customers want to save time and receive

special treatment at the same time

PCI PTS status Terminal hardware compliance

PCI PTS version No new deployments Sunset (not to be used

after)

Pre-PCI December 2009 April 2014

PCI PED 1.x April 2014 December 2017

PCI PED 1.x (Unattended)

April 2014 December 2020

PCI PTS 2.x April 2017 December 2020

PCI PTS 2.x (Unattended)

April 2017 TBD

PCI PTS 3.x April 2020 TBD

PCI PTS 3.x (Unattended)

April 2023 TBD

PCI PTS 4.x April 2023 TBD

Omnichannel

Buy a cinema ticket online. Insert the

same card in the terminal at the

cinema for customer recognition and

print ticket

Start recurring payment from the

payment terminal. Buy cellphone and

store cardnumber for later subscription

or insurance payments at the same

time

8

Payment terminals with a new application ecosystem for merchants with 3rd party developers and “app stores”

From POS to POI

1979 2016

Payment terminals will become far more than just a device to facilitate payments. It will become a point of interaction with your customers

Why not use it for cross selling complementary services, recruitment tool for your loyalty scheme and offer a variety of different payment choices!

Register customer’s phone number

Measure customer satisfaction

Invoice@POS – A service from Nets

Fast and secure – Online control and approval

within a couple of seconds

No manual handling – The terminal manages

the entire consumer dialogue.

Reduce administration – No more papers.

High consumer integrity – Same experience

as in a web shop

Higher average spending

Don’t loss business between the dates 16th –

24th

No ECR investment needed – Standalone

terminal feature

Develop your business by giving the consumer more payment alternatives! Credit

purchases increase sales!

Reworked UI

Working with interest groups to

create best UI in market

Synskadades Riksförbund

Blindeforbundet

Progress

Pilots have started in Finland

Will go into rest of Nordics during

2016

Continous improvements based on

customer feedback through our

dedicated UX personell

Improved usability

New HW platform from Ingenico

Telium tetra

Telium tetra platform

Touch screen, BLE, third party applications, contactless, etc…

Will be launched during second half of 2016

Same application and technical interfaces in all countries

Nets will continue to deliver same solution across borders

Touch screen will add lots of potential

improvements to the user experience

Compliance

The PCI-PTS 4.X certification means the

deployment will at the earliest end in 2023

How will merchant relate to changes?

New technology

BLE

NFC

Mobile wallets

New customer behaviour

No desire to go to POS line

Self-service

Automation

Nets will strive to be the

payments partner for our

customers and merchants

Merchant data

Payment data

Accept

payments

Settle

payments

VAS

Settlement services

Vertical solutions

Change background colour

1. Right-click outside slide,

choose Format Background

2. Click the Colour-drop down

button and choose a new

colour from the selected Nets

colours