How to empower your businesswith card payments?

Jana GolubevaEcommerce Project Development Manager

Jana.Golubeva@citadele.lv 00371 26 337305

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Key to business success –complex process!

Increaseclient base

Keepclients loyal

Increasevalue

Shareholders Happy

Set newprofit

records

3

Returning visits Repeat purchases

“Customer service” importance4

What is commonto these businesses?

Food store, meal ordering

Digital goods, e-books, movies,

music

Pre-paid telecom, parking, mob. app

Transport & Eventtickets, Discount

coupons

5

How 1-click payment works?

Sign in,choose e-book

Add yourdetails

Confirmpayment

Enter & SaveCard data

Get youre-book

or

1. 2. 3. 4. 5.

Confirm

Name* Card Number

Jana

Save this Card

Mark as defaultRiga

Address*

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Sport, fitness clubs

Newspapers, magazines

Serviceprovidersinternet, security,

utilities

Courses,webinars,e-learning

Rentingapartments, transport,

equipment

What is commonto these businesses?

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How does it work?

Recurring payment

One-click payment

Client enterscard data

First datagenerates

reference ID

E-shop initiatespayment, sendstransaction with

reference ID

First Datasends ID, cardauthorisation

details to eshop

Returning clientpresses “1 click pay”,

initiates payment

First Data getstransaction requestwith reference ID

1. 2. 3. 4.

2. 1.

First dataidentifies

card, processtransaction

5.

3.

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And a few more businesses

Health andBeauty, Vitamins

Dog food SocksContact lenses Daily usageproducts

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What is common when you sellthese products and services?

Furniture Travel Constructionmaterials, fabrics

Heatingsystems

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What does the salesprocess look like?

E-shopcontacts client,

reconfirmsorder

E-shopsends

confirmationand invoice

E-shopchecks bankstatement

Client rethinks, makes wiretransfer or

cancels order

Client gets digital invoice to email or SMS,

presses “pay by card’’

When moneyreceived,

proceeds withdelivery

1.

1. 3. 2.

2. 3. 4. 5.

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And a few more businesses

Any cataloguebusiness

Any serviceCompany

Telemarketers

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Who is going to use thesepayment options?

No. of smartphoneusers in Baltic

countries

No. of paymentcards issued in Baltic

countries

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2,3M

1,8M

3,4M

Europeon System of Central Banks (ESCB), 2015

Importance of managing change

264 million people in Europe are eShoppers*

73.4% of users access theweb via a mobile device*

94 million customers buy cross-borderand this figure is growing*

*eCommerce Europe: European B2C eCommerce Report 2014

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Multi-channel payment solutions

CustomerMobile

SelfCheckout

MobilePOS

eCommerce

Point ofSale (POS)

UnattendedTerminal

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Thank you!

Tallinn,Estonia

Vilnius, Lithuania

Riga, Latvia (Head Office)

Zurich, Switzerland

Moscow, Russia

St. Petersburg, Russia

Minsk , Belarus

Almaty , Kazakhstan

Kiev, Ukraine

Jana.Golubeva@citadele.lv +371 26 337305

Tomas.Janulevicius@citadele.lt+370 52664611

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