payment systems business model & the way forward
TRANSCRIPT
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Payment SystemsBusiness Model & The Way
Forwardby Mehmet Sezgin
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Focus War
on
Cash
Garanti Payment Systems
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BusinessModel
Issuing
Acquiring
Innovation
Customer Touch
Customer
Needs
Garanti Payment Systems
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GPS with numbers
PCE penetration
Spain 15%
Mexico 8%
US 46%
2000(Then)
2012(Now) Growth
# of credit cards 669.791 9.2 Million 14 Times
# of Debit Cards 625.649 7.0 Million 11 Times
# of POS terminals 25.147 525.000 21 Times
Volume (Bln TL) 0,4 62 155 Times
Market Share 7% 19% 2.7 Times
PCE penetration - Turkey 7% 34% 4.7 Times
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Innovation MilestonesBonus
asLoyalty
E-commerce
Contactless Mobile
Youth&
Unbanked
GroupBuying
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Bonus; a loyalty platform
• Visit frequency• Total spending• Frequency + spending• Cross-sell campaigns• Product based campaigns• E-purse
Value to the merchant by
loyalty
160Mio E-Mails in 2011
268Mio SMS in 2011
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Loyalty in e-commerce at GPSe-commerce
First virtual POS in TR
Fully integrated with bonus points and installments
Now 12% of total acquiring volume is e-commerce 8BlnTL vol in 2012; 30% share in Turkey
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Contactless solutionContactless
Small ticketReplacement of coins
Transportation;8 cities, 300 bus lines
Total ticketing application
First M/Chip Advance globally for ticketing
1st in EU1st EMV Contactless globally
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Mobile Payments; NFC
• OTA (Over The Air)• TSM (Trusted Service Manager )
In-house Development
First integrated SIM+NFC solution in the world in 2010
Mobile
All types of cards & services
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Co-branded Prepaid Available
at Turkcell Stores
Auto-enabled
SIM Menu
P2P Payment
s
Financial Services• Card information• Money transfer• GSM air time
(TL)• Properties
Available at
Turkcell Stores
Youth & Unbanked: Prepaid
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Group Buying with ‘POS touch’!Group BuyingBonubon
Just launched E-couponing at POS
For women and new generation
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Waragainst
Cash
Success Formula
BusinessModel
Org.Model
People & Culture
Technology Platform Innovation