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Event sponsors:
Instant CreditJosé Luis Fernández LópezFinance Strategy & Innovation – Santander
Nicolas OrtizHead of Payment Innovation - Amadeus
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Future of Payments Airlines 2019
Low cost Simple and Easy
No paperwork
Transparent
Improved Cashflow
Traveller painpoint: How can I afford my dream holiday?
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Future of Payments Airlines 2019
Widen Customer
base
Improve sales conversion
Increase basket
value
Improved
CashflowBetter image
Airline painpoint: How can I increase my profitability?
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Future of Payments Airlines 2019
Pay Later is becoming popular across the world
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Future of Payments Airlines 2019
Travel Credit and Pay Later is on the rise!
Start-Ups
Pros
Cons
+ Quick risk assessment + Good onboarding + Integrated in book & pay flow
- High interest rates - Lack of transparency- Difficult to scale globally
Start-ups Bank Loans
+ Better interest rates + More transparency + More personalization
- Not included in book/pay flow- Very lengthy loan approval - High credit scoring required
BanksCredit Cards
+ No risk assessment needed as it has been done by issuer
- Very high interest rates due revolving credit - Lack of transparency
Credit Cards
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Future of Payments Airlines 2019
Travel retailers offering Pay Later: some K.P.I.s
Increased incremental sales by up to 25%
Increased conversion between 10%-50%
Increased basket value of up to 40%
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Future of Payments Airlines 2019
Travel Instant Credit
Best customer experience
State-of-the-art risk assessment to increase eligibility rates
Best products: competitive interest rates & conditions
with top banks
Global/Scalable
+ +
+
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Future of Payments Airlines 2019
Santander Group, a leading financial groupSantander Consumer Finance: Significant contributor to Santander’s results, representing 13% of the Group’s profit in H1’19
SCF, 13%
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Future of Payments Airlines 2019
Santander Consumer FinanceEuropean Leader
Well spread across Europe and well balanced between car loans and consumer lending
• Well spread across 15 European countries
• Important foothold in the largest economies
• 74% portfolio in AAA & AA countries
Main management focuses: to remain leader in auto finance and increase consumer finance, strengthening digital channels
€1.296 million
UnderlyingAttributable Profit
19,4 million
Active Customers
SCF ´18
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Future of Payments Airlines 2019
Global & Scalable Easy implementation globally
• Global Coverage: 3-4 major banks will cover the world
• Scalable: easy for you to open new markets globally
• Secure and compliant with local regulations
• Competitive rates and conditions
• State of the art low friction risk assessment
• Use Payments as a Marketing tool
• Customizable to your needs
2 Options for pilot:
1. E-Retail DX: MVP Available2. Other front-ends: joint and
agile development
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ευχαριστώ
DANKE
MERCI
KIITOS
THANK YOUありがとう
GRACIAS
GRAZIE
OBRIGADOблагодарю васاالefجركش
MULȚUMESC
谢谢DĚKUJI