The Future of Business Travel Payment. Michael Fürer BeLux Director, AirPlus International
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1 The Future of Business Travel Payment Michael Fürer BeLux Director, AirPlus International Digital Transformation Day, Antwerp, 18 May 2017
2 AirPlus International A leading international provider of Corporate Credit Cards 49,000 Corporate Clients 60+ Countries 14 bn issuing volume Employees Headquarter: Frankfurt/Main, Germany Payment institution under supervision by BaFin Member of : UATP, MC, Visa 2
3 Key Figures Belgium Corporate Travel & Expenses Belgium has the 9 th highest number of cards in western Europe There are 2.4 cards per adult, up from 2.3 in 2012 The debit sector accounts for 68% of total cards Total Corporate Travel spend: 4,5 billion Estimated cardable travel spend is 75% of the total spend Source: Belgian card issuers and RBR analysis (study named Payment cards issuing and acquiring, 2016) ; Edgar, Dunn & Company Mastercard report 2015 AIRPLUS. WHAT TRAVEL PAYMENT IS ALL ABOUT. 3
4 Disruption: Four Reasons that Change The Game Technology Regulation Competition Culture 4
5 Regulation 5
6 EU Regulation Just Started in Our Industry New EU regulations are changing the market rules: New entries barriers for classical providers because of a less profitable market Increased need for investment Innovation is at risk Regulation within the finance industry is still ongoing e.g. AML, PCI, PSD2 IF 1.6 % 0.3 % 6
7 Competition 7
8 Amount of new Payment Solutions Has Risen Tremendously Niche Players Are Coming! physical online mobile 8
9 Technology 9
10 In the Eye of the Tornado: Number of Start-ups in Finance Industry Keeps Growing 67,000 TravelApps Septembre 2016 itunes App Store worldwide 35,000 Finance Apps Septembre 2016 Source: statista.com Source: CB insights and KMPG 10 10
11 New Technologies Enable Invisible Payment Our Goal: Payment Without Payment Experience! 11 11
12 Invisible Payment: No cards no paper BUT compliant Core component of digitization in corporate customer business No use of plastic cards No entry of credit card number Transactions in the background Digital delivery of bill One-time registration of company and/or Card user Security through unique identification Data transfer to travel expense report An integrated process for booking + payment + billing 12
13 After the trip Before the trip Our Future Has Already Begun: first steps on the way to invisible payment Air Rail Car rental Accommodation Taxi Corporate Parking Restaurant Expense 13
14 Smart booking process: One-click booking straight from the agenda Flights can be booked directly through the Outlook Add-in Personalized search and booking directly from the Outlook Calendar Connections suggested based on information scheduled User profile info stored 14
15 Parking Payment Has Never Been so Easy! Enter and exit with the Payment Card Immediately after entering, the traveler receives an with the location of the vehicle Fees are automatically paid through the Company Account Paperless billing with full data quality 15
16 Restaurant: Pay Without Waiting for The Bill Invisible payment in the restaurant The app is linked to the restaurant s cash system In the stored profile, the guest chooses the preferred method of payment and receives the electronic bill directly integrated in the travel expense report The guest no longer needs to wait for the bill and can leave the restaurant whenever he likes 16
17 Post Trip: Stopping the Hurdle of Expenses Reports Mobile service platform available 24/7 Complete access, transparency and monitoring of volume Comprehensive card and cost management solution as an app Immediate overview of all travel costs Completely digital process: mobile, electronic, paperless 17
18 Car Rental: How to Bill Centrally Worldwide? Invisible reservation and rental process No need to enter the Company Account as the number is automatically taken from the company profile Business travelers do not need to pay in advance and save themselves the travel expense reporting later Renting is a breeze presenting a driver s license suffices Full mobility: Suitable vehicles at more than 5,000 locations in 165 countries 18
19 Culture 19
20 Zoom on the 12 th Version of our International Travel Management Study The Audience: interviews in 24 countries 963 travel managers: 738 phone interviews/225 online panel interviews business travelers: online panel interview Key findings are very different per geographical zone 20
21 Payment Preferences Vary Significantly per country 21
22 Digital s Transformation: China is the world s early adopter Only 2 % say they would not consider using new payment providers. The joint-lowest figure for any country 91 % already make payments by mobile devices, the highest figure worldwide and way ahead of the global average of 44 % Only 1 out of 3 Belgian travel managers would consider payment offers from new players such as Google, Apple or Paypal. 67% don t use virtual credit cards because virtual payment is not allowed in the company 60 % make mobile payments for both personal and business expenses, the highest figure worldwide 22
23 Thank you. Your questions, please! AIRPLUS. WHAT TRAVEL PAYMENT IS ALL ABOUT
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