Memo Mobile Financial Services
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1 Memo Mobile Financial Services June 2017
2 Ambition and strategy Make mobile financial services available for all Since 2008, an improved mobile financial services offer to meet our customers new needs. The financial services ambition Mobile financial services are an opportunity Mobile Banking Finanse Mobile financial services and connected objects are the Group s two diversification levers. Global Europe Africa 400 million euros turnover in 2018 Bank launch 30 million Money customers in 2018 Increase customer loyalty. New income-generating activity. Strategic axis for new customer acquisition. has many assets A strong brand. An extensive customer base. A distribution network with a high customer-interaction rate. Technological and marketing know-how. NFC Mobile Payment Mobile Money avec Visa Europe Europe Africa Use your mobile to pay and send money Poland Subscribe to banking services* on your mobile * In partnership with mbank France (1), Spain Use contactless payment with your mobile * In partnership with Visa and Wirecard The African diaspora in France Use your mobile to send money from France (1) to Africa (2) France Subscribe to Bank services on your mobile Unique advantages for and Bank customers. Africa (1) Metropolitan France - (2) To Mali, Senegal and Côte d Ivoire. 02 Mobile Financial Services Mobile Financial Services 03
3 Mobile Bank With Bank, is now a bank operator. The new offer will be launched in France in 2017, followed by Spain and Belgium. Why diversify into banking? Banking services are more and more accessible via smartphones (85% of banking interactions are carried out on smartphones). is trusted by our clients and close to them: both advantages have been identified by our customers when choosing a bank. Favourable environment Booming mobile use. Increasing customer adoption of online banking. Changes in the regulatory environment making bank switching easier. Why choose a partnership with Groupama? Aligned strategy and joint vision. Robust banking processes. A distribution network with 3,700 Groupama and Gan agencies and 7 million customers in France in Bank - SA with capital of 297,575, rue Robespierre Montreuil Cedex RCS Bobigny - Orias n ( may market the products and services of Bank as an exclusive agent for banking operations and payment services. - a French limited company with a 10,640,226,396 share capital - 78 rue Olivier de Serres Paris RCS Paris - Orias n Open a free Bank account: no minimum revenue is required. You can pay either way: bank card or mobile. (1) You can send money by SMS. (2) You can check your account balance right after making a purchase (3) Bank in a nutshell An agile bank: simple, transparent, immediate and accessible 24/7 via a virtual assistant. A «Phygital» model: Physical and digital acquisition. Innovative, designed for mobile. You can block or reactivate payments on your card directly from the application. (4) You can save money via a saving account and soon to get a loan and insurances. At the launch: 890 employees trained and certified IOBSP (Intermediary in Banking Operations and Payment Services). 140 stores with a dedicated area for bank account subscription. (1) Mobile payment, subject to conditions and availability, requires Bank s application download available only on Android and ios and reserved for «New Bank offer» account holders with compatible software (Android 4.4 mobile, or latest version, with a SIM NFC card and mobile subscription, or Iphone 6, or latest version with an ios 9, or latest version, and an icloud account). Service provided and operated in mainland France Wirecard Bank AG (Einsteinring 35, Aschheim, Germany registration n HRB ) on the Visa network, in partnership with Bank and licensed under Visa (trademark of Visa Inc.). Android is a trademark of Google Inc. ios, iphone and icloud are trademarks of Apple Inc. Visa Card s issue subject to conditions determined by Bank. Please refer to terms and conditions on the Bank app and on orangebank.fr. (2) SEPA credit transfer upon customer request, once beneficiary bank details have been registered, following an SMS sent by Bank and subject to sufficient funds. Please refer to conditions on orangebank.fr (3) Balance provided for information purposes only. Subject to conditions and electric-money trading regulations. Please refer to conditions on orangebank.fr (4) Temporarily blocked. Unblocked by customer. Cancellation necessary in the event of loss. Please refer to conditions on orangebank.fr Mobile Financial Services 05
4 Mobile Banking in Europe Finanse in Poland Central Europe banking-offer pioneer. Currently available in Poland. Finanse is the first mobile bank initiative and was launched in October 2014 in Poland in partnership with mbank. The offer provides bank services such as current accounts, savings, credit cards, overdraft facilities and consumer loans. mbank brings its banking skills and its IS; brings its brand, customer base, distribution network and marketing skills. Finanse is available to customers and other operators customers. More than customers on boarded 2 years after launch. Finanse: your 100% mobile, comprehensive banking offer Current and savings account. Ask for a consumer loan in a few clicks. Send money as easily as sending an SMS (regardless of the recipient s mobile operator or bank). Contactless payment in shops. withdrawal from cashpoints, using a mobile. Exclusive telecoms and banking advantages. Benefit from deals and retail partner offers. Mobile Financial Services 07
5 NFC mobile payment in Europe avec Visa NFC mobile payment. Available in France (1) and Spain. avec Visa is 1 an application for all customers which can be easily downloaded for free (on Android, Windows Phone and ios from iphone 6 onwards). Easier shopping and increased special offers with. Locate the shops near you. Contactless mobile payment in shops. Take advantage of special offers. Pay up to 250 ( 62,50 with Jeunes) per purchase with your mobile. You can also pay for your purchases online without disclosing your bank card number. Your teenagers can pay with their mobile and benefit from special offers whilst learning how to manage their budgets with Jeunes. To subscribe to 2, customers must have a postpaid contract, own an NFC mobile which is compatible with and an NFC SIM card. With, 3 customers can open a prepaid account: Reloaded with a Visa or Mastercard, according to each customer s needs. Regardless of the customer s bank. Limited user expenditure to the amount available on the application. Commitment and subscription-free solution which does not require the presentation of documents (2,500 euros reload limit per year). 4 is retail smartshopping: can be used in any shops around the world accepting Visa contactless payment. Over 550,000 shops in France (38%) and over 800,000 (70%) in Spain. 5 is a secure payment method: is in partnership with Visa: offers the same level of security as the chip on the bank card. A secret code, or digital fingerprint for iphones, is required for all payments over 20 euros and online payments. It can be activated on user request for all payments above one euro. is a 6 prepaid payment service, launched in partnership with Wirecard and Visa Europe. The service is currently available in France (2) and Spain. Key figures 11.5 million users in metropolitan France own an NFC mobile* 12 euros per average purchase Almost 600,000 customers (by end May 2017) *AFSCM june 2016 (1) Metropolitan France. (2) Metropolitan France. Mobile Financial Services 09
6 Mobile Money in Africa Money Mobile payment and money transfer in Africa. This service was extended to France (1) in It enables our customers to send money to Africa (2) via their mobiles. Money is 1 an electronic money account linked to an mobile number. It is a universal solution 2 which is available on any mobile and also when there is no data network. There is also an Money application for smartphone owners. Money 3 is key to economic and societal development. It makes trade easier. It improves access to remote territories and financial inclusion. It promotes female entrepreneurship; in Sub-Saharan Africa, 27% of women create businesses (source: Global Entrepreneurship Monitor global report). International money 4 transfer extends Money benefits to the diasporas. Transfer to Sub-Saharan Africa between Côte d Ivoire, Mali, Senegal, Burkina Faso and Niger. Transfer between France (1) and Africa (to Côte d Ivoire, Mali and Senegal) through W-HA (3), an Group company. created 6 EMIs 5 (Electronic Money Institution) in 6 countries (Côte d Ivoire, Guinea, Mali, Senegal, the Democratic Republic of Congo, and Burkina Faso). will gain increased autonomy and agility from this status and will be able to launch new services. safeguards customers funds and guaranties bank compliance through the CECOM (Expertise Center for Money Compliance based in Abidjan). March 2017 key figures Initially, Money* met the urgent needs of unbanked customers Transfer money to your family. Top-up your airtime credit. Money s success has enabled it to develop its services Pay your bills. Pay your taxes. 31 million Money customers including 9 million active users 160,000 point of sales Receive your salary or your pension. Withdraw cash with your mobile. Own an Money Visa card. Money is extending its services to customers with bank accounts Make transfers between your bank account and your Money mobile account. Money was launched in Côte d Ivoire in 2008 Money is present in 17 African and Middle-Eastern countries: Botswana, Burkina Faso, Cameroon, Côte d Ivoire, Egypt, Guinea, Guinea- Bissau, Mauritius Island, Liberia, Madagascar, Mali, Niger, Central African Republic, Democratic Republic of Congo, Senegal, Sierra Leone*, Tunisia. * Under the brand name Airtel Money Money strategy Develop international destinations. Develop the partnership ecosystem (utilities, banks and distributors, etc.). Develop financial services: pico loan, savings. Make Money a universal means of online payment thanks to Money APIs. (1) Metropolitan France. (2) In Mali, Senegal and Côte d Ivoire - (3) W-HA is a comprehensive subsidiary and a certified electronic money issuer. * Services vary between countries Mobile Financial Services 11
7 and fintechs What is a fintech? Put Finance and Technology together and you come up with fintech: banking startups which combine technology and banking services for individuals and companies. These companies use disruptive technological and economical models which aim to deal with existing or future issues in the financial services industry. Fab A worldwide programme of 14 startup accelerators (Europe, United States, South East Asia, Africa and Middle East). Several fintechs have benefited from the Fab programme, such as Pumpkin in France: a refund solution between friends; or Token in the Silicon Valley: a secure exchange solution between banks and payment service providers. Digital Ventures: a fintech portfolio As part of the Group s strategy, Digital Ventures is continuing early-stage startup investments, especially in its banking activity. Capital invested in initial funding ranges from 1 to 3 million euros with the option of reinvesting up to 10 million euros in subsequent funding. Afrimarket With cash-to-goods money transfer in association with partner retailers (food, health, education, etc.), people in Europe can pay for their friends and family s everyday purchases in Africa. It is one of the leading international money transfer markets. People can choose how they wish to help friends or family and benefit from reduced rates, in comparison to traditional solutions, and also rest assured of products quality and fund tracking. Lendopolis Lendopolis (KissKissBankBank Technologies Group) is a French SOHO/SME online crowdfunding platform direct to individuals who wish to boost their savings. This new funding model gives new meaning to savings as it contributes to French SOHO/SME development. According to project type and time scale, an interest rate is proposed. Each project is initially reviewed by chartered accountants and financial analysts who monitor and ensure project reliability. Afrimarket CEO : Rania Belkahia, Jérémy Stoss. Created in Country: France. 10 million euros in September Lendopolis CEO : Vincent Ricordeau. Created in Country: France. 5 million euros in KissKissBankBank Technologigies Group, February Chain Chain is the leading international Blockchain technological solutions provider. Chain offers a new digital shares and assets transaction model based on Blockchain capacity. Blockchain can facilitate, for example, the emission and transfer of financial shares, vouchers and mobile credit whilst ensuring a high level of security, precision and traceability. Chain CEO : Adam Ludwin. Created in Country: United States. 30 million dollars in September 2015, in particular with Visa, Fiserv and NASDAQ. Famoco Famoco produces and markets contactless and secure Android transaction terminals. Many French and international businesses have chosen Famoco for its terminals which can handle multiple transactions per day and recharge prepaid or travel cards. Famoco can also manage new customers subscriptions for telecom operators. Monzo Monzo is a neo bank which provides mobile banking in the UK. Its model follows an European regulations move towards the «APIsation» of banking systems. Payjoy Payjoy provides a platform for users with limited loan access through which they can pay for their smartphone in several instalments. Famoco CEO : Lionel Baraban. Created in 2010 Country: France 11 million euros in February 2017 Monzo CEO : Tom Blomfield. Payjoy Created in 2015 Country: United Kingdom million pounds in March 2017 CEO : Doug Ricket. Created in 2015 Country: United States. 18 million dollars in July Mobile Financial Services Mobile Financial Services 13
8 The word on the street Digital banking development Bank accounts and the weather channel are in the top 3 applications checked every morning (in France). One third of new bank accounts are opened with online banks. The number of customers who use internet and mobiles for their banking operations has increased by 50% in one year. Online banks have gained 14% in market shares in the past 3 years in France. Today, 85% of customer/ bank dealings are digital, 17% of customers go to their bank in comparison to 62% in New technologies are transforming the world of banking Blockchain technology, made famous by Bitcoin emoney, is used to register and check real time transactions. By reducingthe level of intermediaries Blockchain challenges current economic models and reduces operating costs. Artificial intelligence understands and interprets natural language. In the banking sector, robot advisers, «chatbots» offer high-quality added value services and operational cost management. Biometric technology is used to provide new methods for customers authentication. Customers can now sign in to a banking application using a digital fingerprint or make payments using voice or facial recognition. New market entrants Fintechs Three main fintech categories - Lending Platform (funding platform) - Consumer Banking (everyday banking) - Payment (payment method) Neo banks Neo banks are based on a simplified mobile application and customer experience. Some have a banking licence and others do not. Many offer innovative mobile offers in Europe (UK, Germany, France). The GAFA Sector giants like Apple, Samsung and Google offer mobile payment solutions: Apple Pay, Samsung Pay and Android Pay. They can now directly offer financial services through banking licence. Retail (Carrefour, Leclerc, Fnac, etc.) is ready to stake its claim in the financial mobile services value chain. Some retailers already have subsidiary banks and provide banking product offers ranging from current accounts to consumer loans. Others provide payment methods through which they gain customer loyalty, increase customer knowledge and avoid disintermediation by keeping track of payment data. Regulations to boost mobile uses In 2017, the PSD2 (European Payment. Services Directive) will open the payment market to newcomers. This will increase industry competition and aims to reduce consumer payment method access costs. The European directive also aims to implement instant payment before end This is an electronic payment solution available at any given moment. This directive announces as a new revolution for the mobile payment sector. 14 Mobile Financial Services Mobile Financial Services 15
9 June 2017 avec Visa
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