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How Inpay keep banks
relevant in the E-commerce
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
224 October 2014
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+15%
€1.2 trillion
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
24 October 2014
http://www.emarketer.com/
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€19.3 billion+47.3%
Source: E-commerce Europe, Position Paper e-Payments (2014)
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How do you pay today?
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
524 October 2014
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The security of local bank transfers
The speed of payment cards
The integration of online banking
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
624 October 2014
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PayIn – smart, safe, seamless
1
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
724 October 2014
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PayOut – managing multiples
1
£
¥
$
€
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
824 October 2014
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What’s in it for the Bank
1. Recapture lost revenues from ‘alternative’ payments
2. Improve customer loyalty
3. Open new revenue sources
4. Increase merchant payment offerings
5. Drive customers to your online banking services
6. Inpay provides an extra layer of fraud prevention
7. Satisfy consumers’ needs for an easy and secure e-payment
method and the protection of their identity and personal data
8. Use a product leveraging the trusted ACH network
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
924 October 2014
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oOur compliance and security measures meet or exceed all national
and international requirements.
o Regulated by the Danish Financial Supervisory Authority
and passported to all EU member states
oRegulated by the Swiss Financial Market Supervisory Authority
(FINMA).
oAll customers and transactions vetted through multiple,
internationally recognised procedures, including Know Your
Customer (KYC), Anti-Money Laundering (AML), Counter Terrorist
Funding (CTF), Politically Exposed Persons Lists (PEPs).
oMeets all EU legislation and safety precautions regarding Anti-
Money Laundering and Terrorist Financing.
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
24 October 2014 10
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Zero costs …
… for improved customer proposition
Inpay sell in to the merchants
Inpay brings another layer of AML/CTF compliance check
Inpay develops and manages its own technology
Inpay handles all customer and technical support
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
1124 October 2014
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2014: 48 countries
Algeria
Argentina
Australia
Austria
Bahrain
Belgium
Bulgaria
Brazil
Chile
China
Colombia
Czech Republic
Denmark
Egypt
Estonia
Panama
Peru
Poland
Portugal
Qatar
Romania
Saudi Arabia
Slovakia
Slovenia
Sweden
Syria
Thailand
Tunisia
Turkey
UAE
Vietnam
Libya
Lithuania
Mexico
Morocco
Netherlands
Norway
Finland
Germany
Hungary
Iceland
Iraq
Ireland
Italy
Jordan
Kuwait
Latvia
Lebanon
1224 October 2014
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• Building a global payment network since 2007.
• Accounts with financial institutions in 48 countries.
• Enables two-way flow of funds in real time.
• We can pay in or out in over 60 currencies.
• Boost online banking reach with 100% security.
13XIX International Conference of Clearing
Institutions in CEE, Sofia, Bulgaria 24 October 2014
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Ms Britt Sondergaard
Chief Operating Officer
Telephone: +45 71 999 851
Email: [email protected]
Mr Soren Rose
Manager, Strategic Banking Alliances
Telephone: +45 25 947 610
Email: [email protected]
Skype: sorenrose2
Mr Dame Damevski
Manager, Strategic Banking Alliances
Telephone: +45 25 947 611
Email: [email protected]
Mr Henrik Rasmussen
Manager, Strategic Banking
Alliances
Telephone: +45 25 948 674
Email: [email protected]
Skype: her.inpay
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Online Banking ePayment - OBeP
The consumer is authenticated in real-time by the consumer bank’s online
banking infrastructure.
The availability of funds is validated in real-time by the consumer’s bank.
The consumer’s bank provides guarantee of payment to the merchant.
Payment is made as a credit transfer (push payment) from the
consumer’s financial institution to the merchant, as opposed to a debit
transfer (pull payment).
Payment is made directly from the consumer’s account rather than
through a third-party account.
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How Inpay works
XIX International Conference of Clearing Institutions in CEE, Sofia, Bulgaria
1624 October 2014