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1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES New markets New competitors Competences Market orientation Pre-merger,

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Page 1: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

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<customer, place and date>

<write headline here>

Page 2: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

THE NORTHERN EUROPEAN LEADER

IN PAYMENTS, CARDS AND

INFORMATION SERVICES

New markets

New competitors

Competences

Market orientation

• Pre-merger, the portfolio of Payments, Information and eSecurity had a national orientation while the ambition for Nets was European. Need for change. Challenge or fear?

Page 3: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

THE MARKET IS CHARACTERISED BY EU

REGULATIONS, GLOBALISATION AND INCREASED MOBILITY

International regulations and globalisation of standards

Cross-border consolidations Always online – always available with

the mobile

Increasing change

Page 4: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Banks are being challenged

• Large IT-investments• … to ensure compiance, but also enhanced efficiency

• Aggressive players• … with powerful distribution want to enter the value chain

• Old architecture• Expensive to manage and makes supplier independe difficult

• Complex customers• With needs for tailormade solution and international

reach. • Creation of effective digital processes.• High demand for comptence

• B2C has reached a balance • Between willigness to invest • Challenged by players with leaner distribution channels

Page 5: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Our strategic approach- enhance the bank’s competitiveness

x

Stable and secure operationsx

WE BRING NORWEGIAN BANKS TO EUROPE

… HENCE ENABLING NORWEGIAN BANKS TO TAKE AN ACTIVE PART IN MARKETS

OUTSIDE NORWAY

WE BRING INTERNATIONAL AND COMPLIANT SOLUTIONS

TO NORWAY

… WHICH GIVE NORWEGIAN BANKS THE BENEFIT OF

SCALE AND SCOPE ECONOMIES ON A GLOBAL

LEVEL

Page 6: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Key strategic initiatives

• Future payment and information landscape• eSecurity landscape• ISO-based payment platform• Global reach• New models of co-operation• E-commerce and mobile

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// payments// invoice

Page 7: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Strengthening as-is solutions- Payment & Invoice

• New net banking applications• B2C e-invoicing: Universal sign-on• B2B e-invoicing: Implementation support• B2B e-invoicing: Activation of suppliers• SEPA direct debit

7

// payments// invoice

Page 8: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

‘My economy’– all transactions according to defined categories

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Min økonomiMin økonomi

Page 9: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Electronic customer agreements

Page 10: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Creating growth in new areas- Payments & Invoice

• B2B – new measures for expansion of scope and reach• New architecture. CT-ISO 20022• Closing gaps in the value chain• Mobile wallet• Assessment of opportunities for ERP-integration

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// payments// invoice

Page 11: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Banking services by Nets

• Nets and SDC both deliver modulised solutions

• Many of the solutions are already integrated with 3rd party suppliers

• The banks can tailord a holistic solution in line with the banks’ strategic direction

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Page 12: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Strenghening as-is solutions- eSecurity & Information

• Nets Share / e-Boks• Multi-platform mobile OTP approved by BSK• E-id on smart cards• Secure online B2b agreements• Etablere modulbasert tjenestetilbud ihht bankenes målbilde.• Several different certificates• Development of a module-based offering in line with the bank’s

objectives

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// payments// invoice

Page 13: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

eSecurity & Information- selected projects

NETS SHARE:

5 LARGE CUSTOMERS ON

BOARD

SIGNATURES FOR DNB AND NORDEA

ON THE CORPORATE LEVEL. 400 NOK

SAVING PER TRANSACTION

MOBILE ONE-TIME PASSWORDS FOR ALL PLATFORMS

(SPARBANK 1)

PKI BASED AUTHENTICATION AND SIGNATURS

FOR GLOBAL CUSTOMERS.

(STATOIL, DNA, DNB)

SELECTED PROJECTS

Page 14: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

Go for Nets!

Secure and stable

operations

A strategic payments partner

with tailored models of

cooperationA hub for invoicing

in the Nordic market strengthening the

banks internet banking solutions

Nets gives the banks freedom of choice and

the opportunitity to focus on diffentiation,

and not only bread and butter services

Digitalisation of manual processes.

Combining eSecurity and information

services

Page 15: 1. THE NORTHERN EUROPEAN LEADER IN PAYMENTS, CARDS AND INFORMATION SERVICES  New markets  New competitors  Competences Market orientation Pre-merger,

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Thank you!

Mette Kamsvåg GrimstadGroup Vice [email protected]