2013 04 16 exploring prepaid in the nordics
DESCRIPTION
CAC Conference HelsinkiTRANSCRIPT
CAC Conference – Helsinki 16.04.2013
1
Exploring prepaid in the Nordics
2
CAC Conference – Helsinki 16.04.2013
Agenda
• Background and market size
• Some success stories
• Prepaid in the new contactless and mobile world
• Some conclusions
Exploring prepaid in the Nordics
Our story
Making a difference in the Nordics
3
CAC Conference – Helsinki 16.04.2013
Close to our customers
50 cities with capacity to deliver
11 regional offices with specialistcompetencies
Cultural affinity
”Local” language
Business made easy
Diversity and business agility
Empowered local management
Enthusiastic and motivated employees
Delivery models for any segment
Meeting the needs and expectations of Large and SME customers
Critical importance for society as a whole
Banking & finance
Public sector
Shareholders
Posten 40%
Telenor 30,2%
Listed at Oslo Stock Exchange since 1995
100+ employees
Pay before Pay now Pay later
CAC Conference – Helsinki 16.04.2013
4
Closedloop
PrivateLabel
RestrictedLoop
OpenLoop
CAC Conference – Helsinki 16.04.2013
5
6
CAC Conference – Helsinki 16.04.2013
7
CAC Conference – Helsinki 16.04.2013
Denmark
Finland
150
135
Sweden 120
Norway 113
365
330
468
334 40.215
53.074
54.651
44.457
Avg. card usage per year Avg. card spendingNOKNo.of transactions per card NOK
Avg. card spending per year
Kilde: Visa Datamonitor, Country statistics for cards 2011
8
CAC Conference – Helsinki 16.04.2013
Estimate prepaid market size 2015 – NOK 170 billion
Sverige Danmark Finland Norge -
20.0
40.0
60.0
80.0
100.0
120.0
140.0
160.0
180.0
37.7
30.8
34.7
67.0
170.2
Visa Europe Prepaid Market Sizing Study 2011, prognosis 2015
9
CAC Conference – Helsinki 16.04.2013
6,9 7,7 6,5
21,64,6 6,5
7,7
4,0
13,1
6,28,5 8,5
20,0
Finland
21,6
Denmark
17,9
Sweden Norway
42,4
Prepaid private market in 2015 – NOK 100 billion
Travel/Gift/etc
Gaming
General purpose
I mrd NOK
Visa Europe Prepaid Market Sizing Study 2011, prognosis 2015
10
CAC Conference – Helsinki 16.04.2013
3,9 3,1 3,43,5
4,53,1 2,5
2,3
6,9
4,6 4,6
14,6
23,1
2,7
NorgeSverige
17,0
1,7
Finland
12,2
1,7
Danmark
12,3
1,5
Prepaid corporate market in 2015 – NOK 65 billion
Benefits
Incentives
Wages
Other
I mrd NOK
Visa Europe Prepaid Market Sizing Study 2011, prognosis 2015
11
CAC Conference – Helsinki 16.04.2013
12
CAC Conference – Helsinki 16.04.2013
13
CAC Conference – Helsinki 16.04.2013
15
CAC Conference – Helsinki 16.04.2013
16
CAC Conference – Helsinki 16.04.2013
17
CAC Conference – Helsinki 16.04.2013
18
CAC Conference – Helsinki 16.04.2013
19
CAC Conference – Helsinki 16.04.2013
20
CAC Conference – Helsinki 16.04.2013
21
CAC Conference – Helsinki 16.04.2013
22
CAC Conference – Helsinki 16.04.2013
23
CAC Conference – Helsinki 16.04.2013
24
CAC Conference – Helsinki 16.04.2013
25
CAC Conference – Helsinki 16.04.2013
• There is a Market for niche players
• There is a need amongst corporate clients for prepaid
• Prepaid can stimulate innovation
• EVRY can be your partner exploring prepaid opportunities
26
CAC Conference – Helsinki 16.04.2013
ConclusionsExploring prepaid in the Nordics
CAC Conference – Helsinki 16.04.2013
27
28
CAC Conference – Helsinki 16.04.2013
Embraceinfinite opportunities.We live in a world that's changing rapidly, in which the pace of change is accelerating all the time. But with change comes an infinite range of new possibilities. We remain open to every opportunity, constantly seeking out new challenges and new solutions that help to build our customers' businesses and benefit the wider community.
CAC Conference – Helsinki 16.04.2013
29