PrePay Technologies PrePay Technologies: the reason why? Accor - - PowerPoint PPT Presentation

PrePay Technologies

2

PrePay Technologies: the reason why?

Programme design Final Users Affiliate the Acceptance Network Establish Corporate relationships Ticket Production & Delivery Redemption Float mgt

Accor Services’ business model

• 1. Network access

and control

• 2. Issuer status

& competency

• 3. Transaction

authorization/ processing

… and speeds up

• ur time to market

for Electronic Transactions PPT integrates 3 key stages in the Value Chain:

1. Network access 2. Issuer status 3. Transaction authorization / Processing

3

3

• Acquisition in September 2007
• A value-added processing platform for

Prepaid Card solutions

• 60 specialist staff dedicated to prepaid
• Business volume: 400 Million €
• # transactions: 40 Million

PrePay Technologies: A Prepaid Card Solutions Provider

4

4

Programme design, integration & support

• Programme delivery and management
• 24/7 support, fully customisable self service options

Issuing & processing

• In house processing on closed, filtered & open

payment networks

• MasterCard certified prepaid processor

Compliance & regulation

• E-Money licence, FSA regulated (UK)
• ‘Passported’ across Europe
• Compliance & regulatory support (KYC)

Expertise: A fully integrated services model

5

Business Model: A fully integrated services model Set up the Business

Program design Program implementation Regulatory Approval & Support

Ongoing Services

Transaction processing International scheme handling (MasterCard) Regulatory

• perations

(E-Money compliance)

Set-up fees Fee per transaction

Card cycle Card Issuing Card Activation Card usage

7

Unique expertise in electronic prepaid solutions for all type of requirements & markets

Redemption within a single retailer Redemption within a selection of retailers Redemption within the entire network

Redemption Network (Loop)

Closed Open Filtered Central load High street cash top-up, bank transfer, bank cards, Post-Office,…

Top up Origins

Consumer Corporate Load/activate once, redeem, throw away

Card Account Cycle

Disposable Reloadable Reload and redeem many times

Cardholder Recruitment Model

B2B2E B2R2C Recruiting through corporate clients Recruiting through retail business channels Disposable

8

8

Numerous aspects need to be considered and addressed in prepaid programmes. PPT manage most of these requirements and can advise on many others.

Compliance and regulation

9

Market segments:

• Retail gift
• Corporate incentive
• Promotions / Rebates
• Payroll
• Insurance claims
• Corporate Expense
• Prepaid Debit / General Purpose/UUB

9

UK market leader in operating prepaid solutions

10

5 10 15 20 25 30 35 40 45 50 2002 2003 2004 2005 2006 2007

• Debenhams
• Comet
• Debenhams
• Outfit
• Evans
• Miss Selfridges
• Top Man
• Top Shop
• Comet
• Debenhams
• Western Union
• Laura Ashley
• Burton
• Wallis
• Dorothy Perkins
• Outfit
• Evans
• Miss Selfridges
• Top Man
• Top Shop
• Comet
• Debenhams
• Capital Incentives
• Daily Mirror
• RFU
• Lovefilm
• Family Fund
• Ticketmaster
• Gift Days Out
• Western Union
• Laura Ashley
• Burton
• Wallis
• Dorothy Perkins
• Outfit
• Evans
• Miss Selfridges
• Top Man
• Top Shop
• Comet
• Debenhams
• Buyagift
• BHS
• Habib Bank
• P&MM
• E-Group
• Caffe Nero
• Coinstar
• Incomm
• Blackhawk
• Virgin Money
• Sainsbury
• New Look
• Accor Services
• Yorkshire Bank
• Clydesdale Bank
• Capital Incentives
• Daily Mirror
• RFU
• Lovefilm
• Family Fund
• Ticketmaster
• Gift Days Out
• Western Union
• Laura Ashley
• Burton
• Wallis
• Dorothy Perkins
• Outfit
• Evans
• Miss Selfridges
• Top Man
• Top Shop
• Comet
• Debenhams

Number of programmes under Management

UK leader in the Gifting market with an estimated 50% Market share

11

11

20m cards under management

Capital Incentives Family Fund Comet Debenhams Arcadia Group Bhs Sainsbury’s Laura Ashley New Look Paul Smith Ticketmaster House of Fraser Fat Face Rugby Football Union LOVEFiLM Sainsbury’s Virgin Money Western Union P&MM Daily Mirror Group Clydesdale Bank Yorkshire Bank HBZ Bank

12

12

• One stop-shopping
• An integrated offer
• All types of prepaid programmes
• Transnational solution across Europe
• Truly localised teams

Major benefits for clients

13

A unique positioning in the value chain

Banks

Processors

Retailers Telco

Acceptance network Program design, integration & support Compliance & Regulation Authorization platform Physical Distribution interfaces

Potential competitors

Prepay Tech.

Main players characteristics

Integrated solution Strong focus

• n Open Loop

Strongly focused

• n one skill

Focused

• n Close Loop

Emerging player

14

Existing Products New Products Opportunities Challenges

• Cost savings
• Additional functionalities
• Access untapped markets
• Existing portfolio of

clients/merchants

• Existing models
• Resistance to change
• Speed to market adoption
• Competitive race

How to leverage PPT expertise & capabilities?

Replacement according to market needs Development of value- added prepaid services

15

PrePay Technologies as a strategic tool for Accor Services 43 quintillion wrong options… … 1 right answer!