Digital Payment Landscape. Digital Payment Berlin Kurt Schmid, CEO NEXPERTS a Netcetera company. E-Commerce / Bill Payment
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1 Digital Landscape Digital Trends Card based open loop Account based open Berlin 2018 E-Commerce / Bill Checkout and 3DS Wallet (MasterPass, Checkout, SRC) Request API Bank Transfer SCT Inst Kurt Schmid, CEO NEXPERTS a Netcetera company M-Commerce App 2 App DSRP Secure Remote Commerce Request API SCT Inst P2P MC MoneySend, VISA Direct SCT Inst Mobile Proxy Forum Mobile at shop (proximity) Mobile Contactless (HCE via Scheme Tokenisation) SCT Inst (/Lastschrift) initiated via QR, Barcode, NFC, Beacon Netcetera 2
2 Trends Contactless (card) a success Expectations Blockchain / Distributed Ledgers Secure Remote Commerce - Request API Innovation Trigger PSD 2 SCT Inst Mobile Contactless s Contactless s (DE) Smartphone Banking Inflated Expectations Disillusionment Slope of Enlightenment Plateau of Productivity Contactless s (UK, CZ, PL, AT..) The contactless revolution ten years on: two-thirds of Brits now tap to pay News release The contactless revolution ten years on: two-thirds of Brits now tap to pay Contactless debit and credit cards were first used in the UK a decade ago Millennials lead contactless adoption over three quarters have made a contactless payment A quarter of Brits have made contactless payments using mobile devices London, UK 1 September 2017: Ten years on from the introduction of contactless cards in the UK, Visa s annual Digital s study released today reinforces the country s leading position in driving contactless payments. The study of 2,000 consumers in the UK shows that two-thirds (66%) of Brits have used contactless cards to make a payment since they were introduced in September Source: Time Netcetera 3 Netcetera 4
3 Nicht nur in UK Mobile Contactless s Presseinformation Neuer Rekord bei Kontaktlos-Zahlen mit Bankomatkarten Beliebt wie noch nie Rekordtag im Weihnachtsgeschäft 2017 Expectations Blockchain / Distributed Ledgers Secure Remote Commerce - Request API PSD 2 SCT Inst Mobile Contactless s Contactless s (DE) Smartphone Banking Contactless s (UK, CZ, PL, AT..) Innovation Trigger Inflated Expectations Disillusionment Slope of Enlightenment Plateau of Productivity Quelle: Netcetera 5 Netcetera 6 Time
4 Mobile Contactless s A long journey: From SIM to esim to Cloud Based s to Scheme Tokenisation Blockchain / Distributed Ledgers Riding (or waiting) on contactless adoption on merchant side Open solution (HCE) for ios still not possible Credit versus Debit versus local debit (e.g. Girocard) Important is efficient user onboarding and convenience for payment à use of biometrics on device authentication Expectations Secure Remote Commerce - Request API PSD 2 SCT Inst Mobile Contactless s Contactless s (DE) Smartphone Banking Contactless s (UK, CZ, PL, AT..) Question for integration into mobile banking or offering Issuer Pay (or do ) Innovation Trigger Inflated Expectations Disillusionment Slope of Enlightenment Plateau of Productivity Netcetera 7 Time Netcetera 8
5 (Scheme) Scheme Services (STS) Bank / Card Issuer Card Digital Wallet Token Lower Security Risk Merchant Yellow Case: Step Yellow UpCase: Step Authentication Up Authentication needed (e.g. SMS SMS with Activation with Activation code) code) Card Authorisation Card Token Scheme Token Authorisation Clearing / Green Case: Activation in Issuer App or Mobile Banking by encr. Card data & crypt code ( TAV ) MasterCard VISA AMEX Netcetera 9 *OEM include wearables *STS: MDES, VTS, AETS Netcetera 10
6 Scheme for Mobile Contactless s is in use (also incl. wearables) Tokens for in-app can be delivered but not used based on open standard Tokens for ecommerce / Merchants not standardized yet (e.g. MDES for Merchants is only used in US for Netflix) Token control / management for end-users to come Tokens for IoT devices (cars, fridge,..) still to be seen as payment validation open ( is my fridge allowed to pay for shoes from Zalando ) Netcetera 11 Expectations Blockchain / Distributed Ledgers Secure Remote Commerce - Request API Innovation Trigger PSD 2 SCT Inst Mobile Contactless s Contactless s (DE) Smartphone Banking Inflated Expectations Disillusionment Slope of Enlightenment Plateau of Productivity Time Contactless s (UK, CZ, PL, AT..) Netcetera 12
7 Sometimes the world is not crazy enough. What would be my strategy if I were a Google and thx to #googlepay had people's money under control.. Expectations Blockchain / Distributed Ledgers Secure Remote Commerce - Request API PSD 2 SCT Inst Mobile Contactless s Contactless s (DE) Smartphone Banking Contactless s (UK, CZ, PL, AT..) Jan Sechovez Innovation Trigger Inflated Expectations Disillusionment Slope of Enlightenment Plateau of Productivity Netcetera 13 Time Netcetera 14
8 Values created by digital wallets ENABLEMENT Making Contactless s (MCP) on Mobile Phone Making s on ecommerce sites (also from mobile) Making In-App s Making P2P Transfers Get cash on ATM via Mobile Phone Accepting s on Mobile Phone CONTROL & SECURE Token control Limiting usage of payment card by Use case / channel Geography Amounts Get immidiate push on transaction Perform 2nd Factor Authenthication on Mobile (3DS, Bank Login ) for Secure Login / Secure Trx Confirmation INFORMATION Get last transactions history Get balance and remaining limits Spending analysis PFM Add other receipts other (cash) trx VALUE ADD Collect points Get targeted offers Upsell trx: Insurance, Installments, Add other cards (loyalty) Add shopping wishes / lists Netcetera 15 FUNCTIONALITY VALUE CREATED FOR ISSUER / MERCHANT Increase trx. volume, upsell & serve new channels Keep customer Interface Modern image, Innovation Manage risk Fulfil compliance ENABLEMENT CONTROL & SECURE INFORMATION VALUE ADD Netcetera 16
9 PSD2 - SCT Inst SEPA Instant Credit Transfer (SCT Inst) Expectations Blockchain / Distributed Ledgers Secure Remote Commerce - Request API PSD 2 SCT Inst Mobile Contactless s Contactless s (DE) Smartphone Banking Contactless s (UK, CZ, PL, AT..) Transfer of up to Euro from one IBAN to another within max. 10 seconds Implementation progress: Innovation Trigger Inflated Expectations Disillusionment Slope of Enlightenment Plateau of Productivity Time Netcetera 17 Netcetera 18
10 SEPA Instant s Flow SCT Inst User Flow Gateway SCTinst Confirmation (Settlement) Confirmation SCTinst Confirmation (Settlement) Response Enquiry Confirmation Initisation Syntax Plausability Sanctions Screening Syntax Plausability Account Sanctions Screening Enquiry Repsone (pain.014) Payer CSM Routing Fraud Detection Pay by Instant s Instant Information (via NFC or QR Code) Netcetera 19 Netcetera 20
11 Where Instant s will adopt? PSP View Where Instant s will adopt? Merchant View Netcetera 21 Source: Netcetera 22
12 Comparing Card versus SCT Inst s Secure Remote Commerce Request API Consideration: Credit / Debit Card Instant s Consideration / Mitigation for IP Blockchain / Distributed Ledgers Current User Adoption & Experience High Low Implement next to existing functionality in banking & Merchant apps Needs Smartphone & App No Yes Less problem going forward Very fast for consumer Yes (NFC) Could be Adopt to NFC in transaction initiation Supports reservation & chargeback Yes No Offer such services Fast for merchant to get money No Yes Inexpensive for merchant No Yes Expectations Secure Remote Commerce - Request API PSD 2 SCT Inst Mobile Contactless s Contactless s (DE) Smartphone Banking Contactless s (UK, CZ, PL, AT..) Fraud monitoring Yes No Offer such services Used Worldwide Yes No Use fallback to card once not supported Innovation Trigger Inflated Expectations Disillusionment Slope of Enlightenment Plateau of Productivity Accepted on POS Yes Could be Adopt to NFC in transaction initiation Netcetera 23 Time Netcetera 24
13 Secure Remote Commerce Framework Secure Remote Commerce Flow Defined by EMVCo ( Driven by the Schemes as silo solutions do not work Potential more information in next weeks Responsibility of Digital Card Facilitator Can be seen as Pay by credit card button in checkout Will be scheme neutral successor of MasterPass & Visa Checkout Will support card tokenization Will support card present type security ( cryptograms ) Netcetera 25 Netcetera 26
14 Request API How the e-commerce payments will evolve Defined by W3C ( PR API is a web standard to make payments easier on a merchant website. It replaces the traditional billing address, shipping address and credit card forms with a browser dialog to efficiently get data from the user to the merchant. Supported by many browsers (see: 30% 25% 20% 15% EMEA Method Share 2016 verus % 5% 0% Credit Card Bank Transfer Debit Card ewallet Cash on Delivery Charge & Deferred Debit Card Pre-Paid E-Invoices PrePay Other Netcetera 27 Source: WorldPay Global s Report 2017 Netcetera 28
15 Digital Landscape: What needs to be followed? Card based open loop Account based open loop E-Commerce / Bill M-Commerce App 2 App Checkout and 3DS Wallet (MasterPass, Checkout, SRC) Request API DSRP Secure Remote Commerce Request API Bank Transfer SCT Inst SCT Inst Kurt Schmid NEXPERTS Managing Director Netcetera Kurt.Schmid@netcetera.com P2P MC MoneySend, VISA Direct SCT Inst Mobile Proxy Forum Softwarepark Hagenberg Austria Mobile at shop (proximity) Mobile Contactless (HCE via Scheme Tokenisation) SCT Inst (/Lastschrift) initiated via QR, Barcode, NFC, Beacon info@netcetera.com Netcetera 29
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