asia-pacific retailers convention & exhibition
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Asia-Pacific Retailers Convention & Exhibition
Sep 2013, Istanbul
Global Payment SystemsMehmet Sezgin
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1BBVA
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Founded in 1857
130,000 employees
60 million customers
BBVA Quick facts
Present in 31 countries
25,000 ATMs
9,000 Branches
BBVA - Banco Bilbao Vizcaya Argentaria
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BBVA Global Presence
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BBVA Global Presence
• Mexico• US
North America
• Argentina• Bolivia• Brazil• Chile• Colombia• Ecuador• Paraguay• Peru• Uruguay• Venezuela
South America
• Belgium• France• Germany• Italy• Portugal• Russia• Spain• Switzerland• Turkey• U.K.
Europe
• Abu Dhabi, UAE• Australia• China• Hong Kong• India• Japan• Singapore• South Korea• Taiwan
Asia - Pacific
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Expansion on high growth markets
BBVA asset size 900$ Billion
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High and recurring gross income
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2BBVAGlobal Payment Systems
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BBVA GPS in numbers
Total # of Cards 75 Million
Total # POS Terminals 1 Million
Annual Purchase Volume 110 Billion$
Including Garanti, excluding CITIC Bank
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Payment Systems
The bridge between the retailer and the cardholder
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A different vision of Payment Systems
Perceive POS terminal as a “Customer Interaction Point”
Enable customer centric and customer enabled loyalty to increase retailers volume via POS
Partner with retailers on both loyalty and marketing efforts
Continuous customer centric innovation and trend setting
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Retailer Campaigns
More then 800 retailer campaigns each year
Bonus collection/
redemption
Postponement(skip payment)
Extra installments or postponement
Extra installments
Merchant-based bonus
Product-offer
CRM Cash-back
Cross-sell
Discount Enrollment
Online receipt messages and sms’
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Bonus campaign
Valentine’s Day Campaign
• 25 TL bonus, for 2. purchases of over 100 TL.• To enroll to the campaign the card holders has to
send an SMS to Garanti Bank System• After a certain period earned bonus expires• Mostly %90 percent of the bonus is used by the
customers• 29% volume increase
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Postponement & extra installments
General Textile Campaign
• The firm works with x installments.• The bank adds either 5 extra installments & 3
months postponement to x installments.• The customer buys a shirt now (transaction)• Pays it 3 months after the statement date• The statement date is 3 months after the
transaction
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Merchant Based Bonus
Stefanel Campaign
• ‘Spend 100 TL and earn %10 additional Stefanel bonus and pay in 8 installments’
• Bonus is loaded to the card at the time of transaction
• Bonus can only be used in Stefanel
• After a certain period, earned bonus expires
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Extra Installments
Mango Campaign
• The firm works with max 3 installments.
• The bank adds up to +5 installments
• Up to 8 installments total • 31% increase in Mango
volume
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Cashback, Merchant based bonus & Installment campaign
N11.com e-commerce campaign
• 11 TL n11.com bonus, 11 TL cashback discount for purchases of over 100 TL.
• During the campaign period the customer had the chance to shop with 11 installments without paying extra interest.
• After a certain period the earned bonus expires
• 35% volume increase
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Perform Marketing for RetailersMonthly Newsletter
• Communicates merchant campaigns and informs about new partners and their offers.
Cardholder Statements
• Includes partner retailer logos and specific messages to drive cardholder to the partner retailer
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Continuous Innovation:Payments on Mobile
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Continuous Innovation:Sum Up Dongle
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Payment Systems Banking
•A card payment to close the sale
Payment Systems
•Technology•One2One Marketing•Customer Generation•More Sales
Payment Systems
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