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Importance of Data and Electronic Payment for E-Commerce (and how new EU rules will make our life difficult)
Maurits Bruggink, 26/09/2017
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EMOTA – The European E-Commerce and Omni Channel Trade Association
• Aim o Represent online sellers in Brussels o Promote E-Commerce o Help policy makers remove barriers to trade
• Members: 33• EMOTA Brussels Office
o Maurits Bruggink, Secretary Generalo Razvan Antemir, Director Government Affairs o Joana Speier Paulino Peireira, Association Managero Oliver Hateley, Director Membership
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Data Use VariesEMOTA
SURVEY
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Cookies Remain KeyEMOTA
SURVEY
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Top 3 Uses of Cookies
Top 3
Shopping Basket
Language Settings
Payment Settings
EMOTA SURVEY
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Cookies UseEMOTA
SURVEY
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Advertising§ 94% of shops do some sort of advertising
EMOTA SURVEY
Main Channels PercentageNot at all 5.6%Internet media 92.3%TV 12.9%Radio 6.5%Printed Media 38.7%
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Interactive Advertising• 3rd party advertising generates the following proportion of
sales for webshops
EMOTA SURVEY
Proportion of Sales Webshops
0-10% 24.8%
0-20% 24.3%
20-50% 31.9%
More than 50% 19.0%
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GDPRvPrivacy NoticevData Portability & ErasurevDocumentation/AuditorvData SecurityvEnforcement
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ePrivacy DirectivevCookiesvMachine-to-machinevE-mail MarketingvTelemarketig
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Payment MethodsEMOTA
SURVEY
0102030405060708090100
Credit/debitcard,OnlinePayment,BankTransfer
Paymentoninvoice,Cashondelivery
Instalments,other
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Fraud AttemptsAttempts over last 12 months Percentage of organizations 0 44.4%1-3 27.8%4-12 9.3%12-36 7.4%>36 11.1%
EMOTA SURVEY
Average amount involved Percentage of organizations1-50 euros 9.3%50-250 euros 29.6%More than 250 euros 13.0%Not Applicable 48.1%
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Fraud Protection MechanismEMOTA
SURVEY
Quality (1= very bad, 5= very good)
Percentage of organizations
1 10.2%2 2.6%3 28.2%4 28.2%5 30.8%
Importance (1= not important, 5= extremely important)
Percentage of organizations
1 12%2 14%3 10%4 24%5 40%
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Rules around Payment SecurityEMOTA
SURVEY
Amount Percentage of organizations
0 euros 17.6%1-50 euros 20.6%50-250 euros 14.7%More than 250 euros 47.1%
From what amount should strong consumer authentication be mandatory?
Impact on sales Increase Decrease NoneConfidence 51.1% 13.3% 35.6%Sales 17.4% 58.7% 23.9%Turnover 23.9% 52.2% 23.9%
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New Payment StandardvCard Reader >€30vRejection by consumer’s bankvThresholds fraud levelsvAggregated risk calculationvUSP of 3rd party pay-out service providers
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What Next?• Educate your government(participate to surveys)
• Adapt to new rules
• Show to customer (Trustmark)
