Importance of Data and Electronic Payment for E-Commerce (and how new EU rules will make our life difficult) Maurits Bruggink, 26/09/2017 1
EMOTA – The European E-Commerce and Omni Channel Trade Association • Aim o Represent online sellers in Brussels o Promote E-Commerce o Help policy makers remove barriers to trade • Members: 33 • EMOTA Brussels Office o Maurits Bruggink, Secretary General o Razvan Antemir, Director Government Affairs o Joana Speier Paulino Peireira, Association Manager o Oliver Hateley, Director Membership 2
EMOTA Data Use Varies SURVEY 3
EMOTA Cookies Remain Key SURVEY 4
EMOTA Top 3 Uses of Cookies SURVEY Top Shopping Basket 3 Language Settings Payment Settings 5
EMOTA Cookies Use SURVEY 6
EMOTA Advertising SURVEY § 94% of shops do some sort of advertising Main Channels Percentage Not at all 5.6% Internet media 92.3% TV 12.9% Radio 6.5% Printed Media 38.7% 7
EMOTA Interactive Advertising SURVEY • 3 rd party advertising generates the following proportion of sales for webshops Proportion of Sales Webshops 0-10% 24.8% 0-20% 24.3% 20-50% 31.9% More than 50% 19.0% 8
GDPR v Privacy Notice v Data Portability & Erasure v Documentation/Auditor v Data Security v Enforcement 9
ePrivacy Directive v Cookies v Machine-to-machine v E-mail Marketing v Telemarketig 10
EMOTA Payment Methods SURVEY 100 90 80 70 60 50 40 30 20 10 0 Credit/debit card, Payment on invoice, Instalments, other Online Payment, Cash on delivery Bank Transfer 11
EMOTA Fraud Attempts SURVEY Attempts over last 12 months Percentage of organizations 0 44.4% 1-3 27.8% 4-12 9.3% 12-36 7.4% >36 11.1% Average amount involved Percentage of organizations 1-50 euros 9.3% 50-250 euros 29.6% More than 250 euros 13.0% Not Applicable 48.1% 12
EMOTA Fraud Protection Mechanism SURVEY Quality (1= very bad, Percentage of Importance (1= not Percentage of 5= very good) organizations important, 5= organizations extremely important) 1 10.2% 1 12% 2 2.6% 2 14% 3 28.2% 3 10% 4 28.2% 4 24% 5 30.8% 5 40% 13
EMOTA Rules around Payment Security SURVEY From what amount should strong consumer authentication be mandatory? Amount Percentage of organizations 0 euros 17.6% 1-50 euros 20.6% 50-250 euros 14.7% More than 250 euros 47.1% Impact on sales Increase Decrease None Confidence 51.1% 13.3% 35.6% Sales 17.4% 58.7% 23.9% Turnover 23.9% 52.2% 23.9% 14
New Payment Standard v Card Reader >€30 v Rejection by consumer’s bank v Thresholds fraud levels v Aggregated risk calculation v USP of 3 rd party pay-out service providers 15
What Next? • Educate your government(participate to surveys) • Adapt to new rules • Show to customer (Trustmark) 16
THANK YOU www.emota.eu Avenue Marnix 30 1000 Brussels Tel: +32 2 213 74 23 E-Mail: info@emota.eu 17
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