Will the Online Banking e-payments stimulate e-commerce in Europe? Piet Mallekoote, CEO Currence Brussels, 4 May 2012
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1 Will the Online Banking e-payments stimulate e-commerce in Europe? Piet Mallekoote, CEO Currence Brussels, 4 May 2012 p.m.mallekoote@currence.nl
2 1 Agenda Concept of online banking e-payments solutions How does ideal work? Business model and appreciation of the market Extension with new services Conclusions 1
3 2 Traditional payments methods have limitations Virtual accounts and e-purses Buyer Seller Credit and Debit Cards
4 3 that OBeP schemes like ideal can overcome Virtual accounts and e-purses OBeP payments Credit and Debit Cards
5 4 What is an OBeP? Online Banking Credit Transfer OBeP message protocol
6 5 Agenda Concept of online banking e-payments solutions How does ideal work? Business model and appreciation of the market Extension with new services Conclusions 5
7 6 ideal Demo
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9 8 ING example; different for other banks. ING uses (mobile) TAN-codes, other banks use their own authentication method most of them token-based
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16 15 Agenda Concept of online banking e-payments solutions How does ideal work? Business model and appreciation of the market Extension with new services Conclusions 15
17 16 ideal model Four party model with balance between cooperation and competition Demand side Supply side ideal Cooperation Cooperate space Buyer s Bank Seller s Bank processing CPSP s Competition consumers merchant
18 17 ideal figures - 11 banks - 32 Payment Institutions Collecting PSP s (NL & EU) - > merchants - > 10 mio consumers (online banking users)
19 18 Explosive growth of ideal Number of ideal transactions (millions) *
20 19 Benefits for consumers - Simply familiar, easy to use - Highly secure - Directly available in own online banking
21 20 Payment method used with latest purchase In percentage of online buyers 60% 58% 50% 40% 30% 20% 10% 0% 17% 12% 5% 2% ideal Acceptgiro Creditcard Credit Transfer Direct Debit PayPal Source: TMM, Blauw Research, Januari 2012
22 21 Benefits for merchants - Real-time, payment guarantee - Fully automated - No costs from charge backs - Low costs
23 22 Acceptance of ideal very high ideal 91% 89% Acceptgiro 12% 10% Credit transfer 63% 65% Cash on delivery 49% 52% Creditcard 47% 52% Direct Debit 16% 22% PayPal 35% 30%
24 23 Benefits for banks - Improve relations with clients - Strengthen competitive position - Re-use of existing infrastructure - Replacement of high cost paper based payments In the end market there is a strong competition between banks and Payments Institutions (CPSP s)
25 24 Agenda Concept of online banking e-payments solutions How does ideal work? Business model and appreciation of the market Extension with new services Conclusions 24
26 25 Extension with new services ideal creates new world for services ideal mobile for remote payments ideal billing E-mandates
27 26 Agenda Concept of online banking e-payments solutions How does ideal work? Business model and appreciation of the market Extension with new services Conclusions 26
28 27 Conclusions ideal is an example of Online Based e-payments scheme based in internet banking real time guaranteed payment user friendly and secure ObeP can stimulate e-commerce substantially (as ideal has shown in the Netherlands) OBeP-schemes in other countries can fill a serious gap in payments portfolio of banks OBeP can create new world for services
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