Worldline Wallet & Mobile Payments. G. Regnault- Rotterdam 21/03/2017

Transcription

1 Worldline Wallet & Mobile Payments G. Regnault- Rotterdam 21/03/2017 1

2 We are at the crossroads

3 What if

4 What if

5 What if

6 What if

7 Wallet by Worldline : definition What it is Expected benefits Worldline Wallet is a substitution of a physical wallet : secure container of digital identity, Use cases enablement : payments, Booking and reservation, ID&V, (authentication, KYC, ) Core solution is made of : Wallet server platform hosted by WL in a PCI-DSS certified vault with standard web service APIs ready for plug-in a Mobile Software Development Kit (SDK/API) to be integrated into the bank or merchant s mobile application. 3rd party APIs (e-psps, fraud, card provisioning, coupon lifecycle ) 0 For wallet providers : Innovative payments journeys (quick, smooth, seamless, ), Enriched user experience (VAS), Secure and fraud efficient (authentication, FRM) Trust image (secure could storage, privacy & confidentiality respect) New revenue streams (loyalty, open APIs) For end-users : Quicken C2M payment (F2F or online) Mobility facility payment services (in-vehicle, inapp, with my watch ) Payback functions (P2P, split the bill) Extended usage (ex: checkin hotel, secure plane onboarding )

8 End-user needs in mobile payment Pay anyone, anywhere, easily and smoothly C2M Consumer to Merchant In-store In-APP Online emcommerce P2P Peer to Peer Pay on the spot Pay a bill with a seamless experience E-commerce nearly real-time shipment & delivery Transfer between 2 persons Split a bill Payback a debt Cash flexibility without disavantages Easier, Quicker, Increased payment certainty, Cheaper than cheques and wire transfers 8 Author Worldline GBU Division Department

9 Digital Wallet solutions : Key Elements Security Authentication Mobile App Protect PCI-DSS infra HSMs ( ) Universality (cards/sct/sdd) F2F & ecommerce Invoices Public services P2P ( ) Use Case simplicity UX design One-click payment One-tap payment Fingerprint ( ) Digital Wallet Interoperability Accounts integration Pay means integration Open APIs PSD2 aggregators ( ) extra VAS Trx monitoring Ticketting / ereceipt Invoicing Credit Instalment Payment-to-Many Insurances Delivery Affinity/loyalty

10 Global Digital Merchant Banks Mobile Payments: various positionings on the market Specificities Benefits Trust image Openness: local + other wallets C2M + P2P solution Strong connection to acceptance and acquiring world Local market penetration WALLET MARCHAND Specific to their buiness/vertical Payment + Various digital services ID check Loyalty/coupons burning Ticketing Card onboarding and/or prepaid? Brand control Fight against disintermediation Affinity engagement OU SCHEME Brand strength Universal (vertical + country) App security (fingerprint, secure enclave) Global market penetration Innovation 10 Author Worldline GBU Division Department

11 Why «Brand» Pay is still relevant for retailers? «Brand» Pay «device» Pay «bank» Pay Mobile Payment in-app & in-store Transaction costs for merchant Private-label payment means privilege (PLCs, co-branding, consumer credit) Seamless integration with loyalty systems Fast-pass checkout experience Multi-channel, multi-device, multi-means Confidential internal use only

12 Mobile Payments Market perspectives Roland Berger March-2017

13 Token Requestor Wallet : Digital ID container for sensitive data storage Wallet : Identity data Provider PCI-DSS encryption Pay instruments Personal details Other data PAN / exp. date Passport ID EMV tokens Mobile N National Card ID BIC / IBAN (or alias) address (... ) (...) (...) Wallet data model card (or token) Author. & Acquiring Payment Initiation Service (PSD2) (...) 13 Author Worldline GBU Division Department

14 PSD2: wallet as a Payment Initiation enabler? PSD2 Payment Initiation service draft architecture Authentication? wallet Personal datas (mobile, , address) IBAN or alias (card details) ID docs PSD2 HUBs (APIs aggregator) A P I A P I A P I Bank A Bank B Bank C Benefits/stakes for Wallet Providers Set cost-effective Business Model (vs cards MIF processing) Easy cross-border deployments T P P A P I Bank D Authentication process control (RBA; integrated and seamless UX) PSD2 Intercos (SCT/SDD) A P I Bank E...

15 Worldline Value proposition Pay-as-you-use Strong security [App/Authentication] Proven white-labeling expertise Covering all payment use cases (In-store, online, in-app, p2p) A complete package including VAS Sustainable solution Customization & options 15 Author Worldline GBU Division Department

16 Trusted Authentication : Worldline key wallet enabler Strong Customer Authentication Multi use cases Multi devices Multi channels Intuitive user experience Seamless authentication Frictionless transactions Multi-factors authentication Out of Band solution traceability Private Data Protection Confidentiality, integrity, tamper resistance Biometry Innovative use cases Risk Based Authentication Continuous authentication Hardware solutions PSD2 GDPR EIDAS 16 Author Worldline GBU Division Department

17 Worldline Innovations Openness Interoperability Blockchain Security Advanced authentication (Fingerprint, multi-modal, biotyping) Strengthened KYC (biometry, Selfie Match, ID papers onboarding) Mobile App security reinforcement Black & White Connector token requestor VAS Social P2P service ATM withdrawal Invoicing presentation/payment Coupons & tickets IoT and connected objects Payment modes Payment Initiation Service (PSD2) Pay before Pay after Crypto-currencies 17 Author Worldline GBU Division Department

18 Worldline s wallet credentials Bank consortium Payment schemes Solutions for Retail International footprint : 18 Author Worldline GBU Division Department

19 Some use cases with Worldline wallet P2P Bancontact Mister cash 19 Author Worldline GBU Division Department

20 Some use cases with Worldline wallet Paylib 20 Author Worldline GBU Division Department

21 Wordline wallet Making your digital vision a reality today 20+ Banks connected Active merchants x5 * 1.5M Trx processed per month 1.8M Live users of Worldline wallet platform 38M Customers able to activate $3.1b Value of the m- economy in 2017 * 2016 vs 2015 Worldline 2015

22 Why Worldline? The combination of several Worldline expertises Payment eg PCI-DSS E-Commerce Sips MyBank / ideal Worldline Omni-commerce n n n n Fully relevant The leader of wallet solutions in Europe Authentication ACS 3D-Secure Worldline Trusted Authentication Mobile activities Mobile Apps Trusted Authentication HCE 23 Author Worldline GBU Division Department

23 Equens and Worldline s active role in shaping the payments industry 24 Author Worldline GBU Division Department

24 Thank You Guillaume Regnault Product Manager Digital Wallet solutions Worldline