Payments solved

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Fyra steg till en bättre betalprocess

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Invoice is..

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History of payments online

1949 1995 2008

Company facts

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• Market leader in Europe for invoicing solutions

• Turnover of EUR 80 million in 2011

• Profitable since first year

• 600 employees – 100% specialised on e-commerce/ payments

• More than 15,000 affiliated stores

• 6 Countries

Owners

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• Owned by the founders, Sequoia, Öresund and personnel

Michael MoritzEx-board- Google- YouTube- PayPal- Sequoia Capital

- Facebook- Privalia- Alibaba Group

- Facebook- Twitter- Spotify- 360BUY

Klaus HommelsAngel Investor:- Xing- QXL- Skype- Spotify- Facebook

DST GLOBAL

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How do you pay online?

0%

15%

29%

38%

46%

48%

55%

84%

0% 10% 20% 30% 40% 50% 60% 70% 80% 90%

Dont know

Cash on delivery

Paypal or other e-wallet

Manual money transfer beforedelivery

Single cheque (Eenmaligeincasso)

Creditcard

Per invoice (accept giro)

IDEAL

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Reason for not shopping online?

35%

7%

1%

8%

23%

26%

0% 5% 10% 15% 20% 25% 30% 35% 40%

Others.

Dont know

I don`t want to disclose personaldata online

I am worried about the safety ofthe online payment procedure.

I rather shop in normal stores

Befor buying, I want to hold theproduct in my hands\test it

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Consumer

• Safe

• Simple

• Fast

Merchant

What is payments all about?

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Are we there?

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Nelly.NL

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Product page

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Checkout

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Checkout

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Pay with card

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Pay by card

Buy now!

Card number is saved

Press order now!

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Customer

Merchant

Credit scoring

E-wallets

Tech Standard brand

Payment gateways

Fraud prevention

Acquirer

Issuing bank

Pay

men

t S

tack

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How about risk?

• Assess the risk of transactions based on minimum amount of data

• Continuously reduce the amount of data we demand from the users

• Collect behavioral data of users

• Shops 3 o clock during the day VS. 3 o clock at night

• First generation – based on scoring companies

• Second generation – decision trees

• Third generation – internal behavior scoring

• Fourth generation – machine learning, continuously adapting to changes

• Maximize acceptance rates

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ZERO FRICTION VISION

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Buying should be like this:

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Paying should be like this:

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VS

Choose Invoice !

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The world´s easiest mobile checkout!

Press BUY!

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Press BUY!

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Back to store!

Address!

Bedankt!